Oakworth Capital Inc. Sees Significant Growth with 24% Climb in Diluted EPS

Oakworth Capital Inc. Reports Strong Financial Performance for 2025

Oakworth Capital Inc. (OTCQX: OAKC), a prominent player in the banking sector, has released its fiscal year 2025 results, highlighting a remarkable 24% year-over-year increase in diluted earnings per share (EPS). This surge in earnings reflects the company's unwavering commitment to client service and effective financial management. The efforts are led by Chairman and CEO Scott Reed, who emphasized that their consistent top-tier service to clients across various markets has been a key driver of their success in recent years.

Key Financial Highlights

As of December 31, 2025, Oakworth reported a net income of $19.8 million, showing a 25% increase from $15.8 million in the previous year. The diluted EPS rose to $3.94 from $3.19 in 2024. Such growth is accompanied by a significant rise in revenue, which reached $82.7 million, marking a 17% increase compared to the $70.8 million recorded in 2024. Furthermore, the pre-tax pre-provision income also saw a notable increase, escalating to $29.6 million from $23.7 million.

The results indicate a solid year for Oakworth in terms of profitability, with net interest income rising by 20% and trust and wealth fees by 13%. However, non-interest expenses rose 13%, totaling $53.1 million, which reflects the growing operational costs associated with their expanding client base and service offerings.

Wealth Management and Client Retention

The total wealth assets managed by Oakworth rose to $2.7 billion, an increase of 17% from the previous year. Loan growth averaged 12%, while deposits saw a remarkable growth of 14%. Moreover, client satisfaction remains a top priority, as indicated by a Net Promoter Score (NPS) of 95 and a stunning 95% client retention rate for 2025. Reed expressed pride in the workforce, anticipating further achievements in the upcoming year.

Credit Quality and Capital Stability

Despite the growth, Oakworth maintains a solid stance on credit quality. Only $0.5 million were noted as non-performing loans, with no loans categorized as past due for more than 90 days, a solid indicator of their risk management policies. The bank's capital ratios are also robust, with total risk-based capital at 11.9% and a Common Equity Tier 1 (CET1) ratio of 10.7%, underscoring their financial soundness.

Looking Ahead

With 2026 on the horizon, Oakworth Capital Inc. is determined to uphold its performance, leveraging the satisfaction of its existing clientele to fuel future growth. As indicated by Reed, investing in superior customer experiences is expected to translate into ongoing financial success. For more information about the services and operations of Oakworth Capital, potential clients and investors are encouraged to visit their official website at www.oakworth.com.

As a well-established entity since its founding in 2008, Oakworth Capital is recognized for its commitment to excellence in banking and wealth management across the Southeastern United States. The company's ongoing achievements have placed it consistently among American Banker's list of best banks to work for, showcasing its reputation in both employee satisfaction and client service excellence.