The earnings call reflects a generally positive outlook with significant achievements in merger integration, financial growth, and efficiency improvements. However, there were some challenges with elevated charge-offs and ongoing merger-related expenses. Overall, the positive aspects significantly outweigh the negatives.

Company Guidance -

Q3 2025

During the Renasant Corporation's second-quarter earnings call for fiscal year 2025, the company highlighted several key financial metrics and strategic developments following its merger with The First Bancshares. The merger, completed on April 1, significantly impacted the quarter's results with assets acquired valued at $7.9 billion and liabilities assumed at $6.9 billion. Renasant reported adjusted earnings of approximately $66 million or $0.69 per diluted share, marking a strong performance aided by a 7% increase in both loans and deposits. The core net interest margin expanded from 3.42% to 3.58%, while the reported margin, reflecting purchase accounting adjustments, rose from 3.45% to 3.85%. Additionally, the adjusted total cost of deposits decreased by 18 basis points to 2.04%. The company remains focused on achieving modeled synergies by year-end, and despite some elevated charge-offs, asset quality metrics showed improvement in past-due loan percentages. Renasant is well-positioned for continued growth, leveraging the merger's benefits and exploring further opportunities in fee income and lending.

Successful Merger with The First Bancshares

The merger with The First Bancshares was completed on April 1, and the second quarter numbers reflect a full quarter of operations from both companies. The cultural integration of employees and customers has gone well, and systems conversion is planned for early August.

Positive Financial Growth

Adjusted earnings were approximately $66 million or $0.69 per diluted share. Loans increased by $312 million or 7%, and deposits also increased by $361 million or 7%. The core net interest margin expanded from 3.42% to 3.58%.

Asset Quality Improvement

Improvement was noted in past due loan percentage, and nonperforming loans remained flat. The allowance for credit losses as a percentage of total loans increased by 1 basis point to 1.57%.

Efficiency Ratio Improvement

The adjusted efficiency ratio improved by about 7 percentage points due to improved net revenue and cost containment efforts.

Noninterest Income Growth

Noninterest income increased to $48.3 million in the second quarter, a linked quarter increase of $11.9 million. The mortgage division contributed significantly with an increase in income of $1.6 million.

Renasant (RNST) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

RNST Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.69 / -	1.18	―	―	―
Jul 22, 2025	2025 (Q2)	0.68 / 0.01	0.69	-98.55% (-0.68)
Apr 22, 2025	2025 (Q1)	0.51 / 0.65	0.7	-7.14% (-0.05)
Jan 28, 2025	2024 (Q4)	0.57 / 0.70	0.5	40.00% (+0.20)
Oct 22, 2024	2024 (Q3)	1.25 / 1.18	0.75	57.33% (+0.43)
Jul 23, 2024	2024 (Q2)	0.66 / 0.69	0.51	35.29% (+0.18)
Apr 23, 2024	2024 (Q1)	0.62 / 0.70	0.82	-14.63% (-0.12)
Jan 23, 2024	2023 (Q4)	0.63 / 0.50	0.82	-39.02% (-0.32)
Oct 24, 2023	2023 (Q3)	0.69 / 0.75	0.83	-9.64% (-0.08)
Jul 25, 2023	2023 (Q2)	0.76 / 0.51	0.71	-28.17% (-0.20)

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
Jul 22, 2025	$38.03	$37.00	-2.71%
Apr 22, 2025	$28.45	$30.91	+8.65%
Jan 28, 2025	$36.98	$37.37	+1.05%
Oct 22, 2024	$31.87	$33.58	+5.37%

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 Oct 28, 2025, After Close (Confirmed).

What is Renasant Corp. (RNST) earnings time?

Renasant Corp. (RNST) earnings time is at Oct 28, 2025, 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 2025 (Q3) is 0.69.

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