(RNST) Renasant - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 3.794m USD | Total Return: 21.1% in 12m
Avg Turnover: 27.3M
EPS Trend: -34.6%
Qual. Beats: 2
Rev. Trend: 97.0%
Qual. Beats: 0
Warnings
Share dilution 47.2% YoY
Tailwinds
Confidence
Renasant Corporation (RNST) is a financial services holding company headquartered in Tupelo, Mississippi, operating primarily through its subsidiary, Renasant Bank. The firm is structured into two core segments: Community Banks and Wealth Management. The Community Banks division manages traditional retail and commercial banking operations, including asset-based lending, equipment leasing, and a diverse portfolio of real estate construction and mortgage loans. The Wealth Management division provides fiduciary services, trust account administration, and investment products such as annuities and mutual funds through third-party partnerships.
As a regional bank, Renasant’s business model relies heavily on the net interest margin-the spread between interest earned on loans and interest paid on deposits. Regional banks often maintain a competitive advantage through localized credit underwriting and specialized knowledge of middle-market commercial real estate in their specific geographic footprints. Investors can further evaluate these operational metrics and historical performance trends at ValueRay.
Founded in 1904, the company maintains a long-standing presence in the Southeastern United States. Its service suite includes treasury management, mobile banking, and specialized agricultural lending, reflecting the economic requirements of its primary service areas.
- Net interest margin sensitivity to Federal Reserve benchmark rate fluctuations
- Commercial real estate loan concentration poses credit risk in Southeast markets
- Strategic acquisitions and branch expansion drive regional deposit market share
- Wealth management fee growth diversifies revenue away from traditional lending
- Operating efficiency improves through digital banking integration and branch consolidation
| Net Income: 228.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.50 > 1.0 |
| NWC/Revenue: 61.70% < 20% (prev -1.22k%; Δ 1.28k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 265.4m > Net Income 228.0m |
| Net Debt (-410.8m) to EBITDA (293.3m): -1.40 < 3 |
| Current Ratio: 3.98 > 1.5 & < 3 |
| Outstanding Shares: last quarter (94.2m) vs 12m ago 47.17% < -2% |
| Gross Margin: 59.54% > 18% (prev 0.63%; Δ 5.89k% > 0.5%) |
| Asset Turnover: 6.51% > 50% (prev 5.69%; Δ 0.82% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBITDA TTM 293.3m / Interest Expense TTM 486.7m) |
| A: 0.03 (Total Current Assets 1.22b - Total Current Liabilities 305.9m) / Total Assets 27.1b |
| B: 0.05 (Retained Earnings 1.26b / Total Assets 27.1b) |
| C: 0.01 (EBIT TTM 285.2m / Avg Total Assets 22.7b) |
| D: 0.07 (Book Value of Equity 1.65b / Total Liabilities 23.2b) |
| Altman-Z'' = 0.53 = B |
As of May 24, 2026, the stock is trading at USD 41.17 with a total of 670,134 shares traded.
Over the past week, the price has changed by +4.78%,
over one month by +3.40%,
over three months by +6.03% and
over the past year by +21.11%.
Renasant has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy RNST.
- StrongBuy: 2
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 45.6 | 10.7% |
P/E Forward = 11.0011
P/S = 3.8784
P/B = 0.9492
P/EG = 1.7897
Revenue TTM = 1.48b USD
EBIT TTM = 285.2m USD
EBITDA TTM = 293.3m USD
Long Term Debt = 500.3m USD (from longTermDebt, last quarter)
Short Term Debt = 305.9m USD (from shortTermDebt, last quarter)
Debt = 806.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -410.8m USD (calculated: Debt 806.2m - CCE 1.22b)
Enterprise Value = 3.38b USD (3.79b + Debt 806.2m - CCE 1.22b)
Interest Coverage Ratio = 0.59 (Ebit TTM 285.2m / Interest Expense TTM 486.7m)
EV/FCF = 16.60x (Enterprise Value 3.38b / FCF TTM 203.9m)
FCF Yield = 6.03% (FCF TTM 203.9m / Enterprise Value 3.38b)
FCF Margin = 13.80% (FCF TTM 203.9m / Revenue TTM 1.48b)
Net Margin = 15.44% (Net Income TTM 228.0m / Revenue TTM 1.48b)
Gross Margin = 59.54% ((Revenue TTM 1.48b - Cost of Revenue TTM 597.5m) / Revenue TTM)
Gross Margin QoQ = 68.31% (prev 65.34%)
Tobins Q-Ratio = 0.12 (Enterprise Value 3.38b / Total Assets 27.1b)
Interest Expense / Debt = 60.37% (Interest Expense 486.7m / Debt 806.2m)
Taxrate = 20.10% (22.2m / 110.4m)
NOPAT = 227.9m (EBIT 285.2m * (1 - 20.10%))
Current Ratio = 0.08 (Total Current Assets 1.22b / Total Current Liabilities 14.5b)
Debt / Equity = 0.21 (Debt 806.2m / totalStockholderEquity, last quarter 3.87b)
Debt / EBITDA = -1.40 (Net Debt -410.8m / EBITDA 293.3m)
Debt / FCF = -2.01 (Net Debt -410.8m / FCF TTM 203.9m)
Total Stockholder Equity = 3.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.00% (Net Income 228.0m / Total Assets 27.1b)
RoE = 5.94% (Net Income TTM 228.0m / Total Stockholder Equity 3.84b)
RoCE = 6.57% (EBIT 285.2m / Capital Employed (Equity 3.84b + L.T.Debt 500.3m))
RoIC = 0.86% (NOPAT 227.9m / Invested Capital 26.5b)
WACC = 7.39% (E(3.79b)/V(4.60b) * Re(8.96%) + (debt cost/tax rate unavailable))
Discount Rate = 8.96% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 77.78 | Cagr: 25.88%
[DCF] Terminal Value 73.82% ; FCFF base≈213.8m ; Y1≈195.1m ; Y5≈170.7m
[DCF] Fair Price = 33.86 (EV 2.71b - Net Debt -410.8m = Equity 3.12b / Shares 92.3m; r=8.35% [WACC [floored]]; 5y FCF grow -10.83% → 2.50% )
EPS Correlation: -34.63 | EPS CAGR: -2.78% | SUE: 1.62 | # QB: 2
Revenue Correlation: 97.02 | Revenue CAGR: 20.81% | SUE: 0.74 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.92 | Chg30d=+3.38% | Revisions=+40% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.94 | Chg30d=+2.81% | Revisions=+40% | Analysts=7
EPS current Year (2026-12-31): EPS=3.75 | Chg30d=+4.71% | Revisions=+64% | GrowthEPS=+22.4% | GrowthRev=+13.3%
EPS next Year (2027-12-31): EPS=3.98 | Chg30d=+3.30% | Revisions=+45% | GrowthEPS=+6.2% | GrowthRev=+4.0%
[Analyst] Revisions Ratio: +64%