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Renasant Corporation

NASDAQ•RNST
CEO: Mr. Edward Robinson McGraw
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
209 Troy Street, Tupelo, MS, 38804-4827, United States
662-680-1001
investors.renasant.com
時価総額
$3.71B
PER (TTM)
20.5
15.5
配当利回り
2.3%
52週高値
$42.11
52週安値
$27.48
52週レンジ
82%
順位44Top 53.8%
3.7
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.7 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$376.44M+45.03%
直近4四半期の推移

EPS

$0.84+20.00%
直近4四半期の推移

フリーCF

$87.33M+0.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (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%

粗利益率 (最新四半期)

FIBK stock ticker logoFIBK
97.7%
+36.7pp
FHB stock ticker logoFHB
74.6%
+30.8pp
FBP stock ticker logoFBP
73.4%
+11.9pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
WBS$11.63B11.510.7%5.1%
ASB$4.56B9.59.8%9.2%
FULT$4.13B10.011.6%4.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
13.8%
安定成長
4四半期純利益CAGR
23.9%
収益性の大幅な改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月20日
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EPS:-
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売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし