Oakworth Capital (OAKC) has opened 2026 with Q1 revenue of US$21.0 million and basic EPS of US$0.96, set against trailing 12 month revenue of US$80.8 million and EPS of about US$3.90 that reflect the recent 17.4% earnings growth cited in the data. Over the past few years the company has seen revenue step up from US$67.9 million on a trailing basis in 2024 to US$80.8 million in the latest period, with EPS moving from roughly US$3.19 to about US$3.90, pointing to earnings that are keeping pace with the top line and supporting firm margins.

See our full analysis for Oakworth Capital.

With the headline numbers on the table, the next step is to see how this profitability story lines up with the key narratives investors have been following around Oakworth Capital.

TTM net margin holds at 24.3%

• Over the trailing 12 months, Oakworth Capital generated US$19.6 million of net income on US$80.8 million of revenue, giving a net margin of 24.3% compared with 23.7% a year earlier.
• What stands out for a bullish view is that this 24.3% margin sits alongside 17.4% earnings growth over the last year. This is above the 14% per year pace over five years, so anyone arguing the business has been consistently profitable can point to both higher recent growth and steady margins to support that case.
  • Supporters can also point to Q1 2026 net income of US$4.9 million on revenue of about US$21.0 million as another recent data point that lines up with those trailing figures.
  • At the same time, the margin data do not yet answer how sustainable this level is, so a bullish stance still has to rely on the historical record instead of explicit forward guidance.

Stay with the numbers a bit longer and see how other investors are shaping the broader story around these margins and growth rates with the 📊 Read the what the Community is saying about Oakworth Capital..

Five year EPS growth at 14% p.a.

• Over the past five years, earnings have grown at about 14% per year, and the latest 12 month period came in stronger at 17.4% earnings growth on a trailing EPS base of roughly US$3.90.
• Critics of a bullish story might say higher recent growth can be hard to maintain. Yet the sequence of trailing revenue, from US$67.9 million to US$80.8 million, and EPS moving from roughly US$3.19 to about US$3.90, gives concrete evidence that earnings have kept pace with the top line so far.
  • Q1 2026 EPS of US$0.96 fits into that pattern when set alongside the trailing EPS of about US$3.90, because it represents roughly one quarter of that trailing figure.
  • For anyone testing a cautious narrative, the key tension is that while growth has been positive in the data, there are no forward estimates here to show whether that pace continues or slows.

P/E of 9.6x and DCF fair value at US$48.85

• Oakworth Capital trades on a trailing P/E of 9.6x compared with a peer average of 19.4x and a US Banks industry average of 11.7x, while a DCF fair value of US$48.85 sits above the current share price of US$37.20.
• Supporters of a bullish narrative often focus on this gap. They may argue that trading about 23.8% below the DCF fair value and at a P/E discount to peers is hard to square with the 24.3% net margin and 17.4% trailing earnings growth. Yet anyone more cautious will point out that without explicit forward forecasts in this data, the market may simply be pricing earnings with a larger margin of safety.
  • The trailing EPS of roughly US$3.90 means the share price of US$37.20 implies that 9.6x multiple, which is mechanically lower than the 11.7x industry average given.
  • Because the DCF fair value and relative P/E are both based on trailing numbers, they reflect how the market is valuing what the company has already delivered, not what it might earn next.

Next Steps

Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on Oakworth Capital's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move.

If this mix of earnings, margins, and valuation has you leaning one way, it is worth checking the details yourself and acting while the picture is clear. To see what is driving optimism around the company, review the 2 key rewards.

See What Else Is Out There

Even with solid margins and earnings growth, the lack of forward estimates and the lower P/E relative to peers leave some investors questioning how much risk is already priced in.

If you want ideas where the balance of risk and reward may feel more comfortable right now, check out 72 resilient stocks with low risk scores to quickly focus on companies with calmer risk profiles that might better suit your comfort zone.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.