Renasant (RNST) AI Stock Analysis

• Market Cap: $3.22B
• Dividend Yield: 2.61%
• Average Volume (3M): 497.67K
• Price to Earnings (P/E): 17.0
• Beta (1Y): 1.10
• Revenue Growth: 20.35%
• EPS Growth: -35.00%
• Country: US
• Employees: 2,200
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.63
• Shares Outstanding: 95,019,325
• 10 Day Avg. Volume: 508,935
• 30 Day Avg. Volume: 497,669
• PEG Ratio: 0.39
• Price to Book (P/B): 0.79
• Price to Sales (P/S): 2.04
• P/FCF Ratio: 18.33
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $45.00
• Price Target Upside: 29.01% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $38.00 ▲(8.94% Upside)

Renasant's overall stock score is driven by strong financial performance, particularly in cash flow generation, and positive earnings call sentiment. However, technical analysis indicates potential bearish trends, and valuation metrics suggest the stock is fairly priced. The company's stable financial position and positive guidance are offset by challenges in deposit growth and increased credit loss provisions.

Renasant Business Overview & Revenue Model

Company Description

Renasant Corporation (RNST) is a regional financial services holding company based in Tupelo, Mississippi. It operates through its banking subsidiary, Renasant Bank, which offers a wide range of banking products and services, including personal and business banking, commercial lending, mortgage banking, and wealth management. Renasant primarily serves customers in the southeastern United States, focusing on providing tailored financial solutions to both individuals and businesses.

How the Company Makes Money

Renasant generates revenue through multiple key streams, primarily through net interest income and non-interest income. Net interest income is earned from the difference between the interest income generated from loans and the interest expense on deposits and other borrowings. The company offers various loan products, including commercial loans, consumer loans, and residential mortgages, which contribute significantly to its interest income. Additionally, Renasant earns non-interest income through fees for services such as asset management, trust services, and transaction fees related to deposit accounts. The bank's strategic partnerships and community-focused approach enhance customer loyalty, driving growth in deposits and loans, which are crucial for its revenue generation. Moreover, Renasant's expansion efforts and acquisitions can also play a significant role in increasing its overall earnings.

Renasant Financial Statement Overview

Summary

Renasant shows strong revenue growth and a stable balance sheet with low leverage. However, declining profit margins and weakening cash flow performance indicate challenges in maintaining profitability and cash generation.

Income Statement

Renasant's income statement shows a strong revenue growth rate of 12.81% TTM, indicating robust top-line expansion. However, the gross profit margin has declined from previous years, and the net profit margin has decreased to 13.61% TTM from 18.83% in 2024. The EBIT and EBITDA margins have also contracted, suggesting increased operational costs or competitive pressures. Overall, the company demonstrates solid revenue growth but faces challenges in maintaining profitability margins.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.25 TTM, indicating prudent leverage management. The return on equity has decreased to 5.40% TTM, which is a concern compared to previous years. However, the equity ratio remains strong, suggesting a solid capital structure. The company maintains a healthy balance sheet with low leverage, though profitability on equity has weakened.

Cash Flow

Renasant's cash flow statement shows a decline in free cash flow growth by 22.47% TTM, indicating potential challenges in cash generation. The operating cash flow to net income ratio is 0.35, suggesting limited cash conversion efficiency. Despite a high free cash flow to net income ratio of 0.85, the overall cash flow performance is weakened by declining free cash flow growth and lower operating cash flow coverage.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.17B	1.04B	909.77M	691.06M	695.67M	731.62M
Gross Profit	164.50M	653.18M	616.19M	606.68M	653.15M	573.44M
EBITDA	315.73M	277.25M	212.42M	254.05M	270.18M	138.12M
Net Income	147.07M	195.46M	144.68M	166.07M	175.89M	83.65M
Balance Sheet
Total Assets	26.73B	18.03B	17.36B	16.99B	16.81B	14.93B
Cash, Cash Equivalents and Short-Term Investments	3.60B	1.92B	1.72B	2.11B	4.26B	1.98B
Total Debt	1.16B	538.63M	736.98M	1.14B	485.16M	496.31M
Total Liabilities	22.90B	15.36B	15.06B	14.85B	14.60B	12.80B
Stockholders Equity	3.83B	2.68B	2.30B	2.14B	2.21B	2.13B
Cash Flow
Free Cash Flow	253.19M	115.78M	126.92M	559.21M	122.14M	53.97M
Operating Cash Flow	256.43M	129.43M	148.55M	574.04M	142.66M	82.24M
Investing Cash Flow	-1.03B	-298.04M	-55.40M	-2.04B	-660.00M	-1.27B
Financing Cash Flow	586.31M	459.30M	132.21M	167.64M	1.76B	1.40B

Renasant Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 34.88
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RNST, the sentiment is Negative. The current price of 34.88 is above the 20-day moving average (MA) of 34.57, below the 50-day MA of 36.42, and below the 200-day MA of 35.40, indicating a neutral trend. The MACD of -0.62 indicates Negative momentum. The RSI at 46.85 is Neutral, neither overbought nor oversold. The STOCH value of 48.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for RNST.

Renasant Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
INDB	78 Outperform	$3.48B	16.99	5.51%	3.32%	11.05%	-10.78%
TCBI	74 Outperform	$3.89B	13.87	8.60%	―	5.19%	3454.95%
UCB	73 Outperform	$3.58B	11.67	9.01%	3.24%	5.45%	65.11%
FULT	69 Neutral	$3.21B	9.24	10.92%	4.15%	9.58%	20.38%
RNST	68 Neutral	$3.22B	17.02	4.54%	2.61%	20.35%	-35.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EBC	55 Neutral	$4.17B	71.31	1.33%	2.83%	-1.18%	-89.14%

Renasant Corporate Events

Renasant Reports Q3 2025 Financial Results and Merger Impact

In the third quarter of 2025, Renasant Corporation reported a net income of $59.8 million and a diluted EPS of $0.63. The company experienced a 9.9% annualized increase in loans while deposits decreased due to public fund seasonality. The merger with The First Bancshares, Inc. presents opportunities and risks, including integration challenges and regulatory scrutiny, which could impact Renasant’s financial performance and growth strategy.

The most recent analyst rating on (RNST) stock is a Buy with a $41.00 price target. To see the full list of analyst forecasts on Renasant stock, see the RNST Stock Forecast page.

Renasant Corporation Reports Strong Q3 2025 Earnings

Renasant Corporation is a financial services institution operating primarily in the Southeast, offering banking, lending, mortgage, and wealth management services. In its latest earnings report for the third quarter of 2025, Renasant Corporation reported a net income of $59.8 million, with diluted earnings per share at $0.63. The company highlighted strong loan growth and profit improvement, alongside successful integration with The First, which is expected to meet financial goals set by the merger. Key financial metrics included a net interest income of $228.1 million, a net interest margin of 3.85%, and a cost of total deposits at 2.14%. The company also saw a 9.9% annualized net loan growth and a decrease in deposits by $158.1 million due to public fund seasonality. Looking ahead, Renasant Corporation remains focused on leveraging its merger with The First to achieve its financial objectives, while maintaining a cautious outlook on credit quality and market conditions.

Renasant’s Earnings Call: Strong Growth Amid Challenges

Renasant’s recent earnings call conveyed a generally positive sentiment, highlighting strong loan growth and successful integration efforts that have bolstered profitability metrics. Despite these achievements, the company acknowledged challenges such as a decline in deposits, increased credit loss provisions, and rising noninterest expenses.

Renasant Reports Strong Q3 2025 Earnings Growth

Renasant Corporation announced its third-quarter 2025 earnings, reporting a net income of $59.8 million. The company experienced strong loan growth and profit improvement, with a net interest income of $228.1 million and a net interest margin of 3.85%. The integration with The First Bancshares, Inc. is progressing well, positioning Renasant to meet its financial goals. However, the company faced challenges such as a decrease in deposits and an increase in nonperforming loans. The Board approved a $150 million stock repurchase program, replacing the previous $100 million program.

The most recent analyst rating on (RNST) stock is a Buy with a $41.00 price target. To see the full list of analyst forecasts on Renasant stock, see the RNST Stock Forecast page.

Renasant Faces Impact from Tricolor Bankruptcy Filing

On September 10, 2025, Tricolor Holdings, LLC, a customer of Renasant Bank, filed for Chapter 7 bankruptcy, impacting a $22.5 million loan secured by Tricolor’s used car inventory. The loan, initially performing, has been placed on nonaccrual status, and Renasant Bank is actively working to secure its collateral and protect its interests.

The most recent analyst rating on (RNST) stock is a Buy with a $44.00 price target. To see the full list of analyst forecasts on Renasant stock, see the RNST Stock Forecast page.

Renasant Completes Merger with The First Bancshares

In the second quarter of 2025, Renasant Corporation completed its merger with The First Bancshares, Inc., significantly expanding its asset base and operational footprint. The merger resulted in net organic loan growth and deposit growth, despite incurring significant merger-related expenses. The company’s net income was impacted by these expenses and provisions for credit losses, but it achieved an adjusted diluted EPS of $0.69. The merger positions Renasant for enhanced competitive positioning in the financial services industry, although it faces challenges such as integrating acquisitions and managing economic and regulatory risks.

The most recent analyst rating on (RNST) stock is a Buy with a $42.00 price target. To see the full list of analyst forecasts on Renasant stock, see the RNST Stock Forecast page.