RNST Stock Analysis: Renasant | NYSE
Banks - Regional | NYSE, USA | Market Cap: 3.966m USD | 12M Return: 16.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 33.1M
EPS Trend: -34.6%
Qual. Beats: 2
Rev. Trend: 97.0%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Renasant Corporation (NYSE: RNST) is a bank holding company headquartered in Tupelo, Mississippi, that operates through Renasant Bank across two main segments: Community Banks and Wealth Management. Founded in 1904 and trading as a mid-cap stock in the GICS Regional Banks sub-industry, the company provides a combination of traditional banking and fee-based financial services to retail and commercial customers.
The Community Banks segment, which forms the core of the business, offers a full suite of deposit and lending products. These include checking and savings accounts, business and personal loans, asset-based lending, factoring, and equipment leasing, along with treasury management, ATM, and online and mobile banking services. Consistent with the regional bank model, Renasants lending activity is concentrated in local markets and carries meaningful exposure to commercial real estate, residential construction, and agricultural loans within its geographic footprint.
The Wealth Management segment complements the banking franchise by providing trust administration, custodial and fiduciary services, retirement and IRA planning, and estate management. The company distributes annuities, mutual funds, and other investment products through a third-party broker-dealer arrangement, a common distribution model for community banks that expands fee-based revenue without building a full in-house brokerage operation.
The dual-segment structure pairs traditional spread-based banking income with fee-generating wealth management services, a strategic combination frequently used by mid-sized regional banks to diversify revenue streams and reduce reliance on net interest margin.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan exposure raises credit quality concerns
- Wealth Management fees pressured by equity market volatility
| Net Income: 228.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.06 > 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 63.09%; Δ -3.55% > 0.5%) |
| Asset Turnover: 6.51% > 50% (prev 5.69%; Δ 0.82% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBIT TTM 285.2m / 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: 0.17 (Book Value of Equity 3.87b / Total Liabilities 23.2b) |
| Altman-Z'' = 0.63 = B |
As of July 08, 2026, the stock is trading at USD 42.48 with a total of 1,065,273 shares traded. Over the past week, the price has changed by -0.47%, over one month by +4.08%, over three months by +13.60% and over the past year by +16.29%.
Current recommended Stop Loss: 40.50 (which is 4.7% or 2 ATR below the current price).
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 | 7.3% |
P/E Trailing = 18.2119
P/E Forward = 11.0011
P/S = 4.0538
P/B = 1.0418
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 = 3.56b USD (3.97b + Debt 806.2m - CCE 1.22b)
Interest Coverage Ratio = 0.59 (Ebit TTM 285.2m / Interest Expense TTM 486.7m)
EV/FCF = 16.63x (Enterprise Value 3.56b / FCF TTM 213.7m)
FCF Yield = 6.01% (FCF TTM 213.7m / Enterprise Value 3.56b)
FCF Margin = 14.47% (FCF TTM 213.7m / 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 = 0.13 (Enterprise Value 3.56b / Total Assets 27.1b)
Interest Expense / Debt = 60.37% (Interest Expense 486.7m / Debt 806.2m)
Taxrate = 20.06% (57.2m / 285.2m)
NOPAT = 228.0m (EBIT 285.2m * (1 - 20.06%))
Current Ratio = 3.98 (Total Current Assets 1.22b / Total Current Liabilities 305.9m)
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 = -1.92 (Net Debt -410.8m / FCF TTM 213.7m)
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 = 0.84% (NOPAT 228.0m / Invested Capital 27.0b)
WACC = 7.06% (E(3.97b)/V(4.77b) * Re(8.49%) + (debt cost/tax rate unavailable))
Discount Rate = 8.49% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 77.78 | Cagr: 25.88%
[DCF] Terminal Value 77.97% ; FCFF base≈181.2m ; Y1≈207.7m ; Y5≈305.6m
[DCF] Fair Price = 54.30 (EV 4.60b - Net Debt -410.8m = Equity 5.01b / Shares 92.3m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 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=+0.00% | Revisions=+44% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.94 | Chg30d=+2.81% | Revisions=+44% | Analysts=7
EPS current Year (2026-12-31): EPS=3.75 | Chg30d=+0.00% | Revisions=+70% | GrowthEPS=+22.4% | GrowthRev=+13.3%
EPS next Year (2027-12-31): EPS=3.98 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=+6.2% | GrowthRev=+4.0%
[Analyst] Revisions Ratio: +69% (up=23, down=3)