Renasant Corporation
NASDAQ•RNST
執行長: Mr. Edward Robinson McGraw
板塊: Financial Services
行業: 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 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.
聯絡資訊
市值
$3.59B
本益比 (TTM)
19.7
13.9
股息率
2.4%
52周最高
$42.11
52周最低
$26.97
52周範圍
排名44Top 53.8%
3.7
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
疲弱 • 3.7 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025
財務儀表板
Q4 2025 數據
營業收入
$376.44M+45.03%
近4季度走勢
每股收益
$0.84+20.00%
近4季度走勢
自由現金流
$87.33M+0.00%
近4季度走勢
2025 Annual 財報亮點
核心亮點
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.
關注風險
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.
未來展望
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.
同行對比
營業收入 (TTM)
$4.42B
$2.45B
$2.14B
毛利率 (最新季度)
97.7%
74.9%
74.6%
關鍵指標
股票代碼 | 市值 | 本益比 (TTM) | 股東權益報酬率 (TTM) | 負債率 |
|---|---|---|---|---|
| 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% |
長期趨勢
近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
13.8%
穩定增長
4季度淨利複合增長率
23.9%
盈利能力大幅提升
現金流穩定性
75%
現金流波動較大
深度研究
下次財報:2026年4月20日
每股收益:-
|營業收入:-
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