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Renasant Corp. (RNST)
NYSE:RNST
Earnings Data
Report Date
Apr 28, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.85Last Year’s EPS
0.65Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed meaningful progress from the recent merger with clear improvements in profitability (EPS +11%, efficiency ratio down ~900 bps, ROTCE and ROA materially higher), quarter-over-quarter operating momentum (higher adjusted ROA/ROTCE, higher NII) and a healthy, diversified production pipeline. Management also emphasized continued expense discipline, capital flexibility (buybacks and debt redemptions), and the ability to invest opportunistically. Offsetting these positives are elevated credit provisions and charge-offs, modest reported loan growth driven by payoffs and a loan sale, continued deposit competition and sticky funding costs, and still-elevated noninterest expense levels. Overall, the positives around improved core profitability, integration benefits, capital flexibility and a strong pipeline outweigh the near-term headwinds and uncertainty, leading to a constructive but cautious outlook.Company Guidance
Material Profitability Improvement Year-over-Year
Adjusted EPS for 2025 was $3.06, representing an 11% increase year-over-year. Adjusted return on assets improved to 1.10% (up ~94 basis points YoY) and adjusted return on tangible common equity rose to 13.79% from 11.5% in 2024 (up ~229 basis points). Adjusted efficiency ratio improved by approximately 900 basis points year-over-year to 57.46%.
Strong Fourth Quarter Operating Results
Q4 net income was $78.9 million ($0.83 per diluted share); adjusted Q4 earnings (ex-merger charges) were $86.9 million ($0.91 per diluted share). Quarterly adjusted ROA was 1.29% (up 20 bps QoQ) and adjusted ROTCE was 16.18% (up 196 bps QoQ).
Net Interest Income and Margin Resilience
Net interest income increased $3.9 million quarter-over-quarter. Reported net interest margin rose 4 basis points to 3.89% while adjusted margin was flat quarter-over-quarter at 3.62%.
Expense Discipline and Integration Benefits
Excluding merger and conversion expenses of $10.6 million, Q4 noninterest expense was $160.2 million, a linked-quarter decrease of $6.2 million. The company reduced headcount from ~3,400 (mid-2024) to just under 3,000 employees (~400 positions eliminated), contributing to improved efficiency.
Deposit Growth and Strong Capital Position
Deposits increased $48.5 million from Q3 (0.9% annualized). Management reported all regulatory capital ratios above required minimums (CET1 roughly ~11.25% at year-end) and a capital deployment plan that includes continued share repurchases and potential debt redemptions.
Strategic Portfolio Actions and Diversified Pipeline
Sold a non-core $117 million portfolio acquired in the merger (loans secured by cash surrender value of life insurance). Management emphasized a healthy, diversified loan production pipeline across markets and channels and maintained a mid-single-digit loan growth target for 2026.
Noninterest Income Strength
Noninterest income in Q4 was $51.1 million, up $5.1 million quarter-over-quarter, which included $2.0 million related to exits of certain low-income housing tax credit partnerships.
Pre-Provision Net Revenue
Adjusted pre-provision net revenue (PPNR) for the quarter was $118.3 million, supporting coverage of provisions and ongoing investment opportunities.
RNST Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
RNST Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 27, 2026 | $37.22 | $38.35 | +3.04% |
Oct 28, 2025 | $34.80 | $33.47 | -3.83% |
Jul 22, 2025 | $37.58 | $36.56 | -2.71% |
Apr 22, 2025 | $28.11 | $30.55 | +8.66% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Renasant Corp. (RNST) report earnings?
Renasant Corp. (RNST) is schdueled to report earning on Apr 28, 2026, After Close (Confirmed).
What is Renasant Corp. (RNST) earnings time?
Renasant Corp. (RNST) earnings time is at Apr 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is RNST EPS forecast?
RNST EPS forecast for the fiscal quarter 2026 (Q1) is 0.85.