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Renasant Corporation

NASDAQ•RNST
CEO: Mr. Edward Robinson McGraw
板块: Financial Services
行业: Banks - Regional
上市日期: 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.
联系方式
209 Troy Street, Tupelo, MS, 38804-4827, United States
662-680-1001
investors.renasant.com
市值
$3.59B
市盈率 (TTM)
19.7
13.9
股息率
2.4%
52周最高
$42.11
52周最低
$26.97
52周范围
72%
排名44Top 53.8%
3.7
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
疲弱 • 3.7 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025

财务仪表盘

Q4 2025 数据

营业收入

$376.44M+45.03%
近4季度走势

每股收益

$0.84+20.00%
近4季度走势

自由现金流

$87.33M+0.00%
近4季度走势

2025 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (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%

毛利率 (最新季度)

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

关键指标

股票代码
市值
市盈率 (TTM)
净资产收益率 (TTM)
负债率
WBS$11.14B11.010.7%5.1%
ASB$4.30B9.09.8%9.2%
INDB$3.88B18.96.2%3.3%

长期趋势

近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
13.8%
稳定增长
4季度净利润复合增长率
23.9%
盈利能力强劲提升
现金流稳定性
75%
现金流波动较大

深度研究

下次财报:2026年4月20日
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