For the first quarter, consolidated results show ordinary income of 25,814 million yen (YoY +62.81 hundred million yen), ordinary profit of 2,575 million yen (YoY decrease), and net income attributable to owners of parent of 5,784 million yen (YoY +27.82 hundred million yen). Effects include the retirement benefit plan revision and merger-related items. Full-year forecasts remain at the current disclosed level.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"8362","jir_company_name":"Jou Financial Corporation","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-08-03","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/08\/8362-20260803-01.pdf","jir_short_summary":"For the first quarter, consolidated results show ordinary income of 25,814 million yen (YoY +62.81 hundred million yen), ordinary profit of 2,575 million yen (YoY decrease), and net income attributable to owners of parent of 5,784 million yen (YoY +27.82 hundred million yen). Effects include the retirement benefit plan revision and merger-related items. Full-year forecasts remain at the current disclosed level.","jir_summary":"### Overview of results\nJou Bank Group reports consolidated results for the first quarter following the management integration with Fukub\u014d Bank. Ordinary income increased, while ordinary profit declined due to merger-related costs. Net income attributable to owners of parent rose significantly, helped by the effects of the integration and concentrated recognition of retirement benefit plan revision. Total assets rose, and the equity ratio remained at a low level.\n\n### Outlook and key points\nSecond-quarter cumulative and full-year earnings guidance may exceed interim projections. Retirement benefit plan integration-related gains are expected to be concentrated in the period, with effective impact varying depending on tax costs. Focus going forward includes the sustainability of merger effects, interest rate trends, and improvements in capital structure.","jir_financial_highlights":"Ordinary income: 25,814\u767e\u4e07\u5186 (YoY +62.81 hundred million yen (+32.1%))\nOrdinary profit: 2,575\u767e\u4e07\u5186 (YoY \u25b320.? hundred million yen (\u25b343.8%))\nNet income attributable to owners of parent (quarter): 5,784\u767e\u4e07\u5186 (YoY +27.82 hundred million yen (+92.6%))\nTotal assets: 4,384,358\u767e\u4e07\u5186 (YoY end of period +699,995\u767e\u4e07\u5186)\nShareholders' equity ratio: 3.6% (vs previous term +0.1%)","jir_category":"","jir_hashtags":"#FukuiBank, #FinancialEarnings, #JapanStocks","jir_key_figures":"Ordinary income: 25,814\u767e\u4e07\u5186 (YoY +32.1%)\nNet income attributable to owners of parent (quarter): 5,784\u767e\u4e07\u5186 (YoY +92.6%)\nTotal assets: 4,384,358\u767e\u4e07\u5186 (YoY end of period +699 \u767e\u4e07\u5186)","jir_meta_title":"Fukui Bank Q1 FY2027 Earnings Summary | Highlights and Integration Effects","jir_meta_description":"Summary of Fukui Bank's Q1 FY2027 earnings summary. Ordinary income rose, ordinary profit declined due to integration costs, net income rose significantly. Key drivers: merger effects and concentrated retirement benefit revision gains.","jir_og_title":"Fukui Bank Q1 Earnings Highlights and Integration Effects","jir_og_description":"Fukui Bank's Q1 earnings show a large increase in net income but a decrease in ordinary profit. Contributions from merger effects and retirement benefit revisions. See IR materials for details.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[]","ir_related_company":17080,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"financial_summary","footnotes":""},"sector":[],"importance":[],"class_list":["post-92724","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n