Oakworth Capital Inc. Reports 24% Increase in Diluted EPS

Rhea-AI Summary

Oakworth Capital (OTCQX: OAKC) reported fiscal 2025 results with notable growth across earnings, revenue and balance-sheet metrics. Net income was $19.8 million (up 25% YoY) and diluted EPS was $3.94 (up 24% vs. $3.19).

Revenue rose to $82.7 million (+17% YoY), wealth assets reached $2.7 billion (+17%), and loans and deposits increased about 10–15% year‑over‑year. Capital ratios show total risk‑based capital at 11.9% and CET1 at 10.7%.

Positive

• Net income +25% YoY to $19.8 million
• Diluted EPS +24% YoY to $3.94
• Revenue +17% YoY to $82.7 million
• Wealth assets +17% YoY to $2.7 billion
• Loan growth ~10–12% YoY and deposit growth ~14–15% YoY

Negative

• Non-interest expenses increased 13% to $53.1 million
• Tangible book value per share $30.10 (no prior-period comparison provided)

News Market Reaction

+0.93%

1 alert

+0.93% News Effect

On the day this news was published, OAKC gained 0.93%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

BIRMINGHAM, Ala., Jan. 29, 2026 /PRNewswire/ -- Oakworth Capital Inc. (Oakworth) (OTCQX: OAKC) reported 24% higher diluted earnings per share in fiscal year 2025 compared to 2024.  Oakworth's Chairman and CEO Scott Reed stated, "We focus on serving our clients at the highest level on a consistent basis, across markets.  In 2025, our clients told us we were doing just that with a Net Promoter Score of 95 and 95% client retention.  We know that financial results will follow and they have.  I am exceptionally proud of our associates and look forward to more of the same in 2026."

Fiscal year and "as of" December 31, 2025, highlights include:

Income/Profitability:

• Net income of $19.8 million: 25% higher than $15.8 million year-over-year
• Diluted earnings per share of $3.94: 24% higher than $3.19 in 2024
• Pre-tax pre-provision income of $29.6 million: 25% higher than $23.7 million in 2024
• Revenue of $82.7 million: 17% higher than $70.8 million in 2024
  • 20% year-over-year growth in net interest income
  • 13% year-over-year growth in trust and wealth fees
• Non-interest expenses of $53.1 million: 13% higher year-over-year
• ROAE of 14.4%
• ROAA of 1.1%

Wealth Assets/Balance Sheet:

• Wealth assets of $2.7 billion, 17% higher than $2.3 billion one year prior
• Year-over-year loan growth of 12% on average basis and 10% on period end basis to $1.6 billion
• Year-over-year deposit growth of 14% on average basis and 15% on period end basis to $1.8 billion
• Tangible book value per share: $30.10

Safety and Soundness:

• Credit quality metrics: 
  • $0.5 million non-performing loans
  • $0 past due +90 loans
  • $3.4 million ORE
  • 1.2% allowance for credit losses as percentage of loans, net
• Capital ratios
  • Total risk-based capital: 11.9%
  • CET1: 10.7%
  • Tier 1 leverage: 9.3%

About Oakworth Capital Inc. and Oakworth Capital Bank
Oakworth Capital, Inc. operates as the bank holding company for Oakworth Capital Bank (Oakworth) (OTCQX: OAKC). Oakworth was founded in 2008 and operates four offices in the Southeast, including its headquarters in Birmingham, Alabama. Oakworth provides commercial and private banking, wealth management and advisory services to clients across the United States.

Oakworth has been ranked among American Banker's "Best Banks to Work for" for the past nine years, holding the top spot for six of those and ranking #2 most recently.  Additionally, Oakworth's 2025 average Net Promoter Score (NPS) was 95 with a commensurate client retention rate of 95%. As of December 31, 2025, Oakworth had $2.0 billion in total assets, $1.6 billion in gross loans, $1.8 billion in deposits and $2.7 billion in wealth and trust assets under management. For more information, visit www.oakworth.com.

Advisory services, including investment management and financial planning, are offered through Oakworth Asset Management LLC, a registered investment advisor that is owned by Oakworth Capital Bank, Member FDIC. Investment products and services offered via Oakworth Asset Management LLC are independent of the products and services offered by Oakworth Capital Bank, and are not FDIC insured, may lose value, have no bank guarantee, and are not insured by any federal or state government agency. Because Oakworth Asset Management LLC is owned by Oakworth Capital Bank and because associates of either entity may provide financial advice to our clients, there exists a conflict of interest to the extent that either party recommends the services of the other. Oakworth Asset Management LLC does not provide tax or legal advice. You should consult your tax advisor, accountant, and/or attorney before making any decisions with tax or legal implications. Additional information about Oakworth Asset Management LLC, including its services and fees, may be obtained from adviserinfo.sec.gov or by contacting Oakworth Asset Management directly.

 

OAKWORTH CAPITAL INC.
WEALTH AND TRUST (Unaudited)
(In millions)		As of										Change				Change
		12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024		12/31/2025 vs. 09/30/2025				12/31/2025 vs. 12/31/2024
Wealth assets (non-balance sheet)		$           2,685		$           2,566		$           2,415		$           2,285		$           2,297		$              119		5 %		$              388		17 %
CONSOLIDATED CONDENSED STATEMENTS OF CONDITION (Unaudited)
(in thousands)		As of										Change				Change
		12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024		12/31/2025 vs. 09/30/2025				12/31/2025 vs. 12/31/2024
Assets
Cash and due from banks		$       194,946		$       153,084		$       124,351		$       100,968		$       125,016		$         41,862		27 %		$         69,930		56 %
Federal funds sold		1,325		950		1,900		525		950		375		39 %		375		39 %
Securities available for sale		201,684		189,673		175,535		175,599		158,885		12,011		6 %		42,799		27 %
Loans, net of unearned income		1,604,023		1,533,734		1,496,222		1,492,413		1,455,238		70,289		5 %		148,785		10 %
Allowance for credit losses		(19,348)		(18,734)		(17,944)		(17,015)		(16,330)		(614)		3 %		(3,018)		18 %
Loans, net		1,584,675		1,515,000		1,478,278		1,475,398		1,438,908		69,675		5 %		145,767		10 %
Fixed assets		3,625		3,821		3,980		4,221		4,420		(196)		-5 %		(795)		-18 %
Interest receivable		7,246		6,845		6,611		6,909		6,678		401		6 %		568		9 %
Other assets		52,723		52,825		58,967		53,866		54,084		(102)		0 %		(1,361)		-3 %
Total assets		$     2,046,224		$     1,922,198		$     1,849,622		$     1,817,486		$     1,788,941		$       124,026		6 %		$       257,283		14 %
Liabilities and Stockholders' Equity
Liabilities:
Deposits:
Non-interest bearing deposits		$       304,683		$       300,340		$       273,119		$       270,536		$       274,872		$           4,343		1 %		$         29,811		11 %
Interest-bearing deposits		1,526,302		1,397,942		1,299,175		1,356,172		1,321,864		128,360		9 %		204,438		15 %
Total deposits		1,830,985		1,698,282		1,572,294		1,626,708		1,596,736		132,703		8 %		234,249		15 %
Total Borrowings		38,831		58,809		118,786		38,763		39,296		(19,978)		-34 %		(465)		-1 %
Accrued interest payable		1,223		710		1,452		559		1,149		513		72 %		74		6 %
Other liabilities		26,521		20,657		21,333		20,382		26,964		5,864		28 %		(443)		-2 %
Total liabilities		1,897,560		1,778,458		1,713,865		1,686,412		1,664,145		119,102		7 %		233,415		14 %
Total stockholders' equity		148,664		143,740		135,757		131,074		124,796		4,924		3 %		23,868		19 %
Total liabilities and stockholders' equity		$     2,046,224		$     1,922,198		$     1,849,622		$     1,817,486		$     1,788,941		$       124,026		6 %		$       257,283		14 %

 

OAKWORTH CAPITAL INC.
CONSOLIDATED CONDENSED STATEMENTS OF INCOME (Unaudited)
(in thousands)		Quarter Ended										Change				Change
		12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024		4Q25 vs. 3Q25				4Q25 vs. 4Q24
Interest income:
Loans, including fees		$         25,817		$         26,194		$         25,306		$         24,803		$         25,141		$             (377)		-1 %		$              676		3 %
Securities available for sale		1,814		1,667		1,605		1,474		1,257		147		9 %		557		44 %
Short term investments		1,772		1,058		1,043		1,169		1,222		714		67 %		550		45 %
Total interest income		29,403		28,919		27,954		27,446		27,620		484		2 %		1,783		6 %
Interest expense:
Deposits		11,289		11,357		11,049		11,268		11,807		(68)		-1 %		(518)		-4 %
Borrowings		678		1,114		1,022		637		804		(436)		-39 %		(126)		-16 %
Total interest expense		11,967		12,471		12,071		11,905		12,611		(504)		-4 %		(644)		-5 %
Net interest income		17,436		16,448		15,883		15,541		15,009		988		6 %		2,427		16 %
Provision for credit losses		1,010		905		1,236		775		1,080		105		12 %		(70)		-6 %
Net interest income after provision		16,426		15,543		14,647		14,766		13,929		883		6 %		2,497		18 %
for loan losses
Non-interest income		4,647		4,392		4,131		4,245		4,108		255		6 %		539		13 %
Non-interest expense		14,634		13,223		12,964		12,325		12,721		1,411		11 %		1,913		15 %
Income before income taxes		6,439		6,712		5,814		6,686		5,316		(273)		-4 %		1,123		21 %
Provision for income taxes		1,145		1,653		1,434		1,655		1,236		(508)		-31 %		(91)		-7 %
Net Income		5,294		5,059		4,380		5,031		4,080		235		5 %		1,214		30 %
Earnings per share - basic		$             1.05		$             1.01		$             0.88		$             1.01		$             0.82		$             0.04		4 %		$             0.23		28 %
Earnings per share - diluted		$             1.04		$             1.01		$             0.88		$             1.01		$             0.82		$             0.03		3 %		$             0.22		27 %

 

OAKWORTH CAPITAL INC.
CONSOLIDATED CONDENSED STATEMENTS OF INCOME (Unaudited)
(in thousands)		YTD Period Ended
		12/31/2025			12/31/2024		Change
Interest income:
Loans, including fees		$       102,119			$          96,124		$           5,995		6 %
Securities available for sale		6,561			4,577		1,984		43 %
Short term investments		5,041			4,174		867		21 %
Total interest income		113,721			104,875		8,846		8 %
Interest expense:
Deposits		44,963			46,721		(1,758)		-4 %
Borrowings		3,451			3,648		(197)		-5 %
Total interest expense		48,414			50,369		(1,955)		-4 %
Net interest income		65,307			54,506		10,801		20 %
Provision for credit losses		3,926			2,922		1,004		34 %
Net interest income after provision		61,381			51,584		9,797		19 %
for loan losses
Non-interest income		17,415			16,320		1,095		7 %
Non-interest expense		53,145			47,176		5,969		13 %
Income before income taxes		25,651			20,728		4,923		24 %
Provision for income taxes		5,887			4,954		933		19 %
Net Income		19,764			15,774		3,990		25 %
Earnings per share - basic		$             3.95			$             3.19		$             0.76		24 %
Earnings per share - diluted		$             3.94			$             3.19		$             0.75		24 %

 

For more information contact:
Jenifer Kimbrough
Phone: 205-263-4704
Email: jenifer.kimbrough@oakworth.com

View original content to download multimedia:https://www.prnewswire.com/news-releases/oakworth-capital-inc-reports-24-increase-in-diluted-eps-302674210.html

SOURCE Oakworth Capital Inc.

FAQ

What drove Oakworth (OAKC) diluted EPS growth in fiscal 2025?

Diluted EPS rose to $3.94, a 24% increase over 2024. According to the company, higher net income and revenue growth drove the EPS gain, supported by increased net interest income and expanded wealth fees during fiscal 2025.

How much did Oakworth (OAKC) revenue and net income change in 2025?

Revenue reached $82.7 million, up 17% year‑over‑year, and net income was $19.8 million, up 25%. According to the company, both gains reflected stronger net interest income and growth in trust and wealth fees in 2025.

What were Oakworth (OAKC) balance sheet growth figures for 2025?

Wealth assets rose to $2.7 billion (+17%), loans increased about 10% period end, and deposits rose about 15% period end. According to the company, these moves reflect client growth and expanded lending and deposit activity in 2025.

Did Oakworth (OAKC) report any credit quality issues for 2025?

Credit metrics remained strong with $0.5 million non‑performing loans and no >90-day past due loans. According to the company, allowance for credit losses was 1.2% of loans, indicating continued credit stability at year end.

What do Oakworth (OAKC) capital ratios look like after 2025 results?

Total risk‑based capital was 11.9%, CET1 was 10.7%, and Tier 1 leverage was 9.3%. According to the company, these ratios reflect the bank's capital position at December 31, 2025 following reported earnings.