Profit at a Birmingham, Alabama bank holding company climbed in the first six months of 2026. Net income, the amount a company keeps after every expense and tax has been paid, rose 14% at Oakworth Capital Inc. (OTCQX: OAKC) for the year-to-date period ended June 30, 2026, against the same period a year earlier. The company also reported a 10% rise in diluted earnings per share over that stretch.
What the two profit figures show
Net income and earnings per share both measure profitability, but they answer slightly different questions. Net income is the total dollars left over after costs. Diluted earnings per share, or diluted EPS, divides that total across every share that could theoretically exist: shares already outstanding plus any that would be created if options, warrants, and convertible instruments were exercised. That larger denominator gives investors a conservative view of how profit is spread across potential ownership.
Oakworth's diluted EPS rose 10%, four percentage points slower than the 14% net income gain. Both figures moved higher. Oakworth attributed the improvement to top-line revenue growth.
What top-line growth means for a bank
Top-line revenue is a company's total income before any costs are subtracted. It sits at the top of the income statement, which is where the name comes from. When management credits profit gains to the top line, it means the business brought in more money at the front end rather than simply cutting expenses to lift the bottom line.
Oakworth Capital trades on the OTCQX market, the highest tier of OTC Markets Group, under the symbol OAKC.