OAKC Stock Overview

Operates as a bank holding company for Oakworth Capital Bank that provides range of banking services in the United States. More details

OAKC fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	1/6

Rewards

Trading at 34.2% below our estimate of its fair value

Risk Analysis

Profit margins (12.8%) are lower than last year (22.5%)

My Notes

Capture your thoughts, links and company narrative

Oakworth Capital Inc. Competitors

FineMark Holdings

OTCPK:FNBT

US$324.2m

CIB Marine Bancshares

OTCPK:CIBH

US$36.9m

BankGuam Holding

OTCPK:BKGM

US$18.5m

Bank of N.T. Butterfield & Son

NYSE:NTB

US$1.6b

Price History & Performance

Summary of share price highs, lows and changes for Oakworth Capital
Historical stock prices
Current Share Price	US$31.50
52 Week High	US$36.00
52 Week Low	US$22.76
Beta	0
1 Month Change	3.11%
3 Month Change	8.25%
1 Year Change	6.78%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-15.44%

Recent updates

Shareholder Returns

	OAKC	US Banks	US Market
7D	-3.1%	-3.4%	-2.4%
1Y	6.8%	29.1%	23.3%

Return vs Industry: OAKC underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: OAKC underperformed the US Market which returned 23.3% over the past year.

Price Volatility

Is OAKC's price volatile compared to industry and market?
OAKC volatility
OAKC Average Weekly Movement	7.2%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: OAKC has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine OAKC's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2008	n/a	Scott Reed	oakworth.com

Oakworth Capital Inc. operates as a bank holding company for Oakworth Capital Bank that provides range of banking services in the United States. The company offers individual retirement, checking, money market, and savings accounts, as well as certificate of deposit; SBA, equipment financing and leasing, owner occupied real estate, investment property, home equity, construction, and margin loans, as well as lines of credit; and treasury management services, including sweep accounts, direct deposit, and zero balance account. It also provides mobile deposit and wallet, credit and debit cards, online banking, bill payment, positive pay, wire, remote deposit, travel and gift cards, and lock box services.

Oakworth Capital Inc. Fundamentals Summary

How do Oakworth Capital's earnings and revenue compare to its market cap?
OAKC fundamental statistics
Market cap	US$155.67m
Earnings (TTM)	US$6.94m
Revenue (TTM)	US$54.40m

22.4x

P/E Ratio

1.2x

P/B Ratio

Is OAKC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
OAKC income statement (TTM)
Revenue	US$54.40m
Cost of Revenue	US$0
Gross Profit	US$54.40m
Other Expenses	US$47.46m
Earnings	US$6.94m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.40
Gross Margin	100.00%
Net Profit Margin	12.75%
Debt/Equity Ratio	51.1%

How did OAKC perform over the long term?

See historical performance and comparison

Dividends

1.4%

Current Dividend Yield

47%

Payout Ratio

Does OAKC pay a reliable dividends?

See OAKC dividend history and benchmarks

When do you need to buy OAKC by to receive an upcoming dividend?
Oakworth Capital dividend dates
Ex Dividend Date	Dec 13 2024
Dividend Pay Date	Dec 15 2025
Days until Ex dividend	9 days
Days until Dividend pay date	358 days

Does OAKC pay a reliable dividends?

See OAKC dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 02:21
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Oakworth Capital Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution