Oakworth Capital Inc. Posts Higher Q4 Profit, Stock Rises 3.2%

Oakworth Capital Inc. (NASDAQ: OKWR) reported stronger fourth-quarter net income on January 29, 2026, driven by improved loan yields and lower credit loss provisions. Net income rose 18% year-over-year to $4.7 million, or $0.31 per diluted share, up from $0.26 in Q4 2025. Total revenue climbed 9% to $12.1 million, supported by a 22-basis-point expansion in net interest margin. Non-performing assets fell to 0.8% of total assets, down from 1.3% a year earlier. CEO James A. Freeman stated, “Our disciplined underwriting and funding cost management delivered resilient performance amid volatile markets.” The company declared a quarterly dividend of $0.08 per share, payable February 15, 2026, to shareholders of record as of February 5.