Renasant posts solid Q4 2025 results, optimizes balance sheet

The latest announcement is out from Renasant ( (RNST) ).

Renasant Corporation reported fourth-quarter 2025 net income of $78.9 million, equivalent to diluted EPS of $0.83 and adjusted diluted EPS of $0.91, supported by a net interest margin of 3.89% and an adjusted net interest margin of 3.62%. During the quarter, loans inched up $21.5 million on an annualized basis despite the sale of about $117.3 million of non-core loans acquired in the merger with The First Bancshares, while deposits rose $48.5 million, with noninterest-bearing balances declining to 23.5% of total deposits as the cost of total deposits fell 17 basis points to 1.97%. Credit quality metrics remained relatively stable, with the allowance for credit losses on loans at 1.54% of total loans, nonperforming loans at 0.92% and criticized loans down to 2.94%, as the company also redeemed $60 million of subordinated notes obtained in the First Bancshares merger and repurchased $13.2 million of its common stock, decisions that collectively signal active balance-sheet optimization and capital management amid a competitive and risk-conscious banking environment.

The most recent analyst rating on (RNST) stock is a Buy with a $46.00 price target. To see the full list of analyst forecasts on Renasant stock, see the RNST Stock Forecast page.

Spark’s Take on RNST Stock

According to Spark, TipRanks’ AI Analyst, RNST is a Outperform.

The score is driven primarily by stable financial fundamentals with strong cash flow and moderate leverage, plus a constructive earnings outlook centered on improving profitability/efficiency and continued buybacks. Technicals are supportive with price above key moving averages and positive MACD, while valuation is only fair (P/E ~18.8 with a ~2.4% yield).

To see Spark’s full report on RNST stock, click here.

More about Renasant

Renasant Corporation is a U.S. financial services provider operating in consumer and commercial finance, asset management, retail banking, factoring, mortgage and auto lending, with a balance sheet totaling $26.8 billion in assets, $19.0 billion in loans, $21.5 billion in deposits and $3.9 billion in equity as of December 31, 2025. Its banking footprint is concentrated in the Southeast, with loan and deposit portfolios primarily across Mississippi, Georgia, Alabama, Tennessee, Florida and Louisiana, and a nationwide presence through its Republic Business Credit operations.

Average Trading Volume: 568,364

Technical Sentiment Signal: Strong Buy

Current Market Cap: $3.58B

Learn more about RNST stock on TipRanks’ Stock Analysis page.