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An update from Renasant ( (RNST) ) is now available.
On January 27, 2026, Renasant Corporation reported fourth-quarter 2025 net income of $78.9 million, or $0.83 in diluted earnings per share, including $10.6 million in merger and conversion-related expenses tied to its integration of The First Bancshares, while adjusted diluted EPS rose to $0.91, reflecting improved profitability and cost control. Net interest income grew to $232.4 million with a higher net interest margin and a lower cost of deposits, noninterest income increased partly due to the exit of certain low-income housing tax credit partnerships, and noninterest expenses declined as merger-related costs eased and branch consolidations generated gains. The balance sheet showed modest loan growth despite the sale of $117.3 million of non-core acquired loans, higher securities holdings, and a linked-quarter increase in total deposits, while book value and tangible book value per share improved and the company continued to return capital through $13.2 million of share repurchases and the redemption of $60 million in subordinated notes. Credit quality metrics were generally stable with a small uptick in nonperforming loans, higher provision for unfunded commitments, and net charge-offs influenced by the sale of acquired loans, leaving allowance coverage robust as management emphasized steady integration progress, balance sheet growth on both sides, and what it sees as solid positioning for further growth in 2026.
The most recent analyst rating on (RNST) stock is a Hold with a $39.00 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.
Renasant’s overall stock score is driven by strong cash flow performance and a positive earnings call outlook, highlighting successful loan growth and integration efforts. However, the valuation suggests potential overvaluation, and technical indicators point to possible overbought conditions. The financial performance is stable but shows areas for improvement in profitability and margin management.
To see Spark’s full report on RNST stock, click here.
More about Renasant
Renasant Corporation (NYSE: RNST), based in Tupelo, Mississippi, operates as a diversified financial services provider with a focus on consumer and commercial finance, asset management, retail banking, factoring, mortgage and auto lending. The company has been expanding through acquisitions, including its merger with The First Bancshares, Inc., and is actively managing its loan and securities portfolios, capital structure, and branch network to strengthen its competitive position in U.S. banking markets.
Average Trading Volume: 572,286
Technical Sentiment Signal: Strong Buy
Current Market Cap: $3.54B
Learn more about RNST stock on TipRanks’ Stock Analysis page.