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 estate1-4 family mortgage; real estatecommercial mortgage; real estateconstruction 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
Market Cap
$3.59B
P/E (TTM)
19.7
13.9
Dividend Yield
2.4%
52W High
$42.11
52W Low
$26.97
52W Range
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)
$4.42B
$2.45B
$2.14B
Gross Margin (Latest Quarter)
97.7%
74.9%
74.6%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| WBS | $11.14B | 11.0 | 10.7% | 5.1% |
| ASB | $4.30B | 9.0 | 9.8% | 9.2% |
| INDB | $3.88B | 18.9 | 6.2% | 3.3% |
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
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data