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Oakworth Capital Inc (OAKC) Fair Value & Analysis

Financial Services · US · Market cap $188M

Price$38.38
Fair Value$52.02
Upside+35.6%
Quality95/100
Evidence: High Range $39.01 – $65.02

Fair value as of: Jun 26, 2026

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Analysis

Oakworth Capital Inc (OAKC) currently trades at $38.38, while our model-based Fair Value estimate is $52.02 — implying the stock looks roughly 35.6% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. In addition, the company offers wealth management and advisory services. Oakworth Capital Inc. was founded in 2008 and is headquartered in Birmingham, Alabama.

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Frequently asked questions

Is Oakworth Capital Inc (OAKC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $52.02 versus a price of $38.38 — about +36% (undervalued). Model-based estimate, not financial advice.
What is the fair value of OAKC?
Our 21-model fair value for Oakworth Capital Inc is $52.02 (as of Jun 26, 2026), built from audited fundamentals. The current price is $38.38.
What is the quality score of OAKC?
Oakworth Capital Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.