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Renasant Corporation

NASDAQ•RNST
CEO: Mr. Edward Robinson McGraw
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1992-04-24
Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, fiduciary, and insurance services to retail and commercial customers. The company operates through Community Banks, Insurance, and Wealth Management segments. The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lending, and factoring equipment leasing services, as well as safe deposit and night depository facilities. It also provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate–1-4 family mortgage; real estate–commercial mortgage; real estate–construction loans for the construction of single family residential properties, multi-family properties, and commercial projects; installment loans to individuals; and interim construction loans, as well as automated teller machine (ATM), online and mobile banking, call center, and treasury management services. The Insurance segment provides insurance agency services, such as commercial and personal insurance products through insurance carriers. The Wealth Management segment offers a range of wealth management and fiduciary services, including administration and management of trust accounts, such as personal and corporate benefit accounts, and custodial accounts, as well as accounting and money management for trust accounts; annuities, mutual funds, and other investment services through a third party broker-dealer; administrative and compliance services; and qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates. Renasant Corporation was founded in 1904 and is headquartered in Tupelo, Mississippi.
Contact Information
209 Troy Street, Tupelo, MS, 38804-4827, United States
662-680-1001
investors.renasant.com
Market Cap
$3.71B
P/E (TTM)
20.5
15.4
Dividend Yield
2.3%
52W High
$42.11
52W Low
$27.09
52W Range
82%
Rank44Top 53.8%
3.7
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.7 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$376.44M+45.03%
4-Quarter Trend

EPS

$0.84+20.00%
4-Quarter Trend

FCF

$87.33M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Merger Integration Completed Acquisition of The First closed April 2025, driving total assets to $26.75B and significantly increasing loan/deposit base.
Net Interest Income Rises NII increased 57% to $804.0M, supported by strong organic growth and acquired loan portfolio volume.
Margin and Capital Strength NIM improved to 3.79% (vs 3.34% in 2024); capital ratios remain robust, with Tier 1 Leverage at 9.61%.
Increased Credit Loss Provision Provision for credit losses surged to $92.6M, primarily due to Day 1 CECL adjustments from the merger.

Risk Factors

Credit Quality Deterioration NPL ratio rose to 0.92% from 0.88%; net charge-offs increased to 0.15% of average loans, signaling rising credit stress.
Material Internal Control Weakness Identified material weakness in manual journal entry segregation of duties; remediation efforts are underway but not yet complete.
Merger Integration Execution Realizing anticipated cost savings and successfully integrating acquired operations present ongoing risks to expected benefits.
Economic Headwinds Impact Borrowers Continued adverse economic conditions could further impact borrower repayment ability and increase future credit losses.

Outlook

Focus on Post-Merger Efficiency Management aims to improve the efficiency ratio (65.00% in 2025) by controlling noninterest expenses relative to revenue growth.
Managing Credit Portfolio Quality Ongoing monitoring of loan grades and proactive management of the allowance for credit losses remain critical post-acquisition.
Capital Deployment Strategy Company authorized a $150M stock repurchase program in October 2025, indicating confidence in capital position.
Regulatory Compliance Focus Continued compliance with extensive federal banking regulations requires ongoing management attention and resources.

Peer Comparison

Revenue (TTM)

WBS stock ticker logoWBS
$4.42B
+5.8%
ASB stock ticker logoASB
$2.45B
+16.5%
BKU stock ticker logoBKU
$2.14B
+5.8%

Gross Margin (Latest Quarter)

FIBK stock ticker logoFIBK
97.7%
+36.7pp
INDB stock ticker logoINDB
74.9%
+7.0pp
FHB stock ticker logoFHB
74.6%
+30.8pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
WBS$11.57B11.510.7%5.1%
ASB$4.56B9.69.8%9.2%
FULT$4.15B10.111.6%4.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
13.8%
Steady Growth
4Q Net Income CAGR
23.9%
Profitability Improved
Cash Flow Stability
75%
Volatile Cash Flow

Deep Research

Next earnings:Apr 20, 2026
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LTM
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