The earnings call reflected a positive overall sentiment due to successful merger integration, strong financial growth, and improved asset quality. However, the call also noted some challenges, including elevated charge-offs and merger-related expenses.

Company Guidance

During the Renasant Corporation 2025 Second Quarter Earnings Conference Call, the company provided several key financial metrics reflecting their merger with The First Bancshares. For the second quarter, reported earnings were $1 million or $0.01 per diluted share, while adjusted earnings reached approximately $66 million or $0.69 per diluted share. Loans increased by $312 million or 7% from March 31, and deposits similarly rose by $361 million or 7%. The core net interest margin expanded from 3.42% to 3.58%, while the reported margin, including purchase accounting adjustments, grew from 3.45% to 3.85%. Additionally, the adjusted total cost of deposits decreased by 18 basis points to 2.04%, and adjusted loan yields decreased by 1 basis point to 6.18%. The fair value of assets acquired in the merger was $7.9 billion, with liabilities assumed totaling $6.9 billion. Core deposit intangibles were valued at $159.6 million, and preliminary goodwill from the transaction amounted to $428.7 million. The adjusted pre-provision net revenue stood at $103 million, with noninterest income at $48.3 million, marking an $11.9 million increase from the previous quarter. Noninterest expenses, excluding merger-related costs, were $162.7 million. The company expects further conversion-related expenses in the third quarter as they continue to integrate systems and achieve modeled synergies by year-end.

Merger Success with The First Bancshares

The merger with The First Bancshares was completed on April 1, and the second quarter reflects a full quarter of operations from both companies. The cultural integration of employees and customers has gone well.

Positive Financial Growth

Loans increased by $312 million or 7% and deposits rose by $361 million or 7% from March 31. Core net interest margin expanded from 3.42% to 3.58%.

Improved Asset Quality

Past due loan percentage improved and nonperforming loans remained flat. The capital ratios remain in excess of required minimums.

Noninterest Income Increase

Noninterest income was $48.3 million, a linked quarter increase of $11.9 million, largely attributable to The First and the mortgage division.

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

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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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