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Renasant Corporation RNST R2K

Financial Services · Banks - Regional · United States
https://investors.renasant.com

Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, and fiduciary services to retail and commercial customers. The company operates in two segments, Community Banks and Wealth Management. 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 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. It also provides 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, as well as administrative and compliance services for certain mutual funds. The company was founded in 1904 and is based in Tupelo, Mississippi.

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$40.72
+19.09% 1Y

Market & Price

Market Cap
$3.76B
Current Price
$40.72
High / Low (52W)
$41.53 / $32.98
Beta
0.99

Valuation

Stock P/E
17.25
Industry PE
12.01
Forward P/E
10.24
PEG Ratio
1.79
Book Value
$41.63
Price to Book
0.98
P/S
3.84
EV/EBITDA
-
Dividend Yield
2.36%

Profitability & Returns

ROCE
-
ROE
6.92%
ROA
1.00%
Profit Margin
23.30%
Op Margin
45.17%
EPS (Latest Qtr)
$0.94
EPS (TTM)
$2.36

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$841.76M
Total Assets
$26.75B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.85%
Chg in Prom Hold
-
FII / Inst Holding
91.12%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$3.34B
Total Revenue (TTM)
$978.30M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$321.43M
Shares Outstanding
92.27M
Gross Margin
0.00%
Payout Ratio
38.14%

Growth (CAGR)

Revenue 5Y
16.06%
Profit 5Y
2.96%
Revenue (YoY)
60.20%
Earnings (YoY)
44.60%

PROS

  • Excellent profit margin of 23.3%.
  • Compounding revenue at 16.1% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 RNST Renasant Corporation R2K 40.72 17.25 $3.76B 2.36% - 6.92% 16.06% 2.96%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------170.59M267.19M269.55M278.52M273.83M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------86.13M125.04M127.58M119.54M114.56M
Pretax Income -----------------------------------51.97M2.67M75.27M96.83M110.42M
Tax Provision -----------------------------------10.45M1.65M15.48M17.89M22.20M
Net Income 16.22M21.16M21.22M22.90M23.18M23.64M23.97M25.28M26.42M16.51M33.83M36.71M31.96M44.42M45.11M46.62M37.45M38.41M2.01M20.13M29.99M31.52M57.91M40.87M40.06M33.55M39.68M46.57M46.08M28.64M41.83M39.41M38.85M--41.52M1.02M59.79M78.95M88.23M
Diluted EPS 0.400.520.520.540.550.550.540.570.530.330.680.740.610.760.770.800.640.670.040.360.530.561.020.720.710.600.710.830.820.510.740.700.69--0.650.010.630.830.94

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------630.55M631.78M662.45M985.85M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------60.51M277.99M375.58M458.29M
Pretax Income -------------211.31M177.19M244.97M226.73M
Tax Provision -------------45.24M32.51M49.51M45.46M
Net Income 18.52M31.68M25.63M26.64M33.49M59.58M68.01M90.93M92.19M146.92M167.60M83.65M-166.07M144.68M195.46M181.27M
Diluted EPS 0.871.381.021.061.221.881.882.171.962.792.881.48-2.952.583.272.07

Compounded Sales Growth

5 Years:16.06%
1 Year:60.20%

Compounded Profit Growth

5 Years:2.96%
1 Year:44.60%

Stock Price Performance

1 Year:+19.09%
6 Months:+15.58%
3 Months:+8.86%
1 Month:+2.26%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --4.30B4.20B4.18B5.75B5.81B7.93B8.70B9.83B12.93B13.40B14.93B-16.99B17.36B18.03B26.75B
Current Assets ------------------
Cash & Equivalents 100.39M148.56M292.67M209.02M132.42M246.65M161.58M211.57M306.22M281.45M569.11M414.93M633.20M-575.99M801.35M1.09B1.07B
Inventory ------------------
Receivables -------------74.64M112.55M113.50M87.22M-
Total Liabilities --3.83B3.71B3.68B5.08B5.09B6.89B7.47B8.31B10.89B11.27B12.80B-14.85B15.06B15.36B22.87B
Current Liabilities ------------------
Long Term Debt --301.05M243.22M159.45M169.59M156.42M148.22M202.46M207.55M263.62M376.51M474.97M-428.13M429.40M430.61M499.76M
Total Debt --------------1.13B729.40M530.61M1.05B
Total Equity 400.37M410.12M469.51M487.20M498.21M665.65M711.65M1.04B1.23B1.51B2.04B2.13B2.13B-2.14B2.30B2.68B3.88B
Shares Outstanding --------------59.30M59.30M66.48M97.72M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 49.70M100.45M153.13M177.71M153.29M124.68M252.62M163.80M207.04M82.11M163.62M82.24M-574.04M148.55M106.42M271.47M
Investing Cash Flow 96.59M329.82M135.54M-196.82M-57.15M-202.80M-247.43M-351.99M69.66M-503.29M-505.91M-1.27B--2.04B-55.40M-275.03M-734.02M
Financing Cash Flow -98.13M-286.16M-372.32M-57.48M18.09M-6.95M44.79M282.85M-301.47M708.83M188.11M1.40B-167.64M132.21M459.30M441.24M
Capital Expenditure -1.11M-11.76M-6.33M-17.59M-8.05M-22.18M-25.16M-13.56M-13.05M-22.36M-34.97M-28.27M--14.84M-21.63M-13.64M-33.72M
Free Cash Flow 48.59M88.69M146.80M160.12M145.24M102.50M227.46M150.24M194.00M59.75M128.66M53.97M-559.21M126.92M92.77M237.75M
Net Change in Cash --------------1.30B225.36M290.68M-21.31M
Share Buybacks -------007.06M62.94M24.57M21.32M00013.34M
Dividends Paid 14.36M15.71M17.07M17.12M19.30M21.52M24.56M29.73M34.42M43.61M50.90M50.13M50.02M49.99M50.28M53.73M78.60M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------------26.3%22.9%29.5%18.4%
ROE % 4.5%6.7%5.3%5.3%5.0%8.4%6.6%7.4%6.1%7.2%7.9%3.9%-7.8%6.3%7.3%4.7%
ROCE % -----------------

Shareholding Pattern

Insiders
1.85%
Institutions
91.12%
Public Float
92.83%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.77% 13.63M $554.86M
2 Vanguard Portfolio Management LLC 6.30% 5.81M $236.61M
3 Dimensional Fund Advisors LP 5.77% 5.33M $216.98M
4 State Street Corporation 5.26% 4.85M $197.65M
5 Wellington Management Group, LLP 4.69% 4.33M $176.16M
6 Vanguard Capital Management LLC 4.61% 4.25M $173.13M
7 Victory Capital Management Inc. 3.31% 3.05M $124.38M
8 Invesco Ltd. 2.84% 2.62M $106.54M
9 Geode Capital Management, LLC 2.50% 2.31M $94.08M
10 Channing Capital Management, LLC 2.35% 2.17M $88.24M

Analyst View

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