Renasant (RNST) AI Stock Analysis

• Market Cap: $3.48B
• Dividend Yield: 2.47%
• Average Volume (3M): 538.47K
• Price to Earnings (P/E): 18.4
• Beta (1Y): 0.92
• Revenue Growth: 20.26%
• EPS Growth: -35.00%
• Country: US
• Employees: 2,200
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.63
• Shares Outstanding: 95,021,385
• 10 Day Avg. Volume: 653,914
• 30 Day Avg. Volume: 538,467
• PEG Ratio: 0.39
• Price to Book (P/B): 0.79
• Price to Sales (P/S): 2.04
• P/FCF Ratio: 18.33
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $43.00
• Price Target Upside: 17.55% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): 3.52
• Revenue Forecast (FY): $1.13B

• Rating: 72 Outperform
• Price Target: $40.00 ▲(9.35% Upside)

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.

Positive Factors

Strong Loan Growth

Robust loan growth indicates strong demand for Renasant's financial products, supporting revenue generation and market expansion.

Successful Integration

Successful integration enhances operational efficiency and expands market reach, providing a foundation for future growth.

Cash Flow Performance

Improved cash generation enhances financial flexibility, enabling strategic investments and debt management.

Negative Factors

Deposit Decline

A decline in deposits can strain liquidity and impact the bank's ability to fund new loans, affecting growth potential.

Credit Loss Provisions

Increased credit loss provisions suggest rising loan defaults, which could pressure profitability and capital reserves.

Increase in Noninterest Expenses

Rising noninterest expenses can erode profit margins, indicating potential inefficiencies or increased operational costs.

Renasant Business Overview & Revenue Model

Company Description

Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, fiduciary, and insurance services to retail and commercial customers. It operates through three segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lending, and equipment leasing services, as well as safe deposit and night depository facilities. It also provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate–1-4 family mortgage; real estate–commercial mortgage; real estate–construction loans for the construction of single family residential properties, multi-family properties, and commercial projects; installment loans to individuals; and interim construction loans, as well as automated teller machine (ATM), online and mobile banking, call center, and treasury management services. The Insurance segment provides insurance agency services, such as commercial and personal insurance products through insurance carriers. The Wealth Management segment offers a range of wealth management and fiduciary services, including administration and management of trust accounts, such as personal and corporate benefit accounts, and custodial accounts, as well as accounting and money management for trust accounts; annuities, mutual funds, and other investment services through a third party broker-dealer; and qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates. As of December 31, 2021, the company operated a network of 189 banking, lending, and mortgage offices located in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee; 150 full-service branches and 11 limited-service branches; 173 ATMs; and 38 interactive teller machines. Renasant Corporation was founded in 1904 and is headquartered in Tupelo, Mississippi.

How the Company Makes Money

Renasant generates revenue through several key streams. The primary source is net interest income, which comes from the difference between interest earned on loans and interest paid on deposits. The bank offers various loan products, including commercial loans, consumer loans, and mortgage loans, which contribute significantly to this income. Additionally, Renasant earns non-interest income through fees for services such as account maintenance, ATM usage, and wealth management services. The company also benefits from its mortgage origination and servicing activities. Strategic partnerships with other financial institutions and service providers enhance its product offerings and customer reach, further supporting its revenue generation.

Renasant Financial Statement Overview

Summary

Renasant's financial statements present a mixed picture. The income statement shows stable profitability but with declining gross margins. The balance sheet is solid with moderate leverage, though profitability on equity has decreased. Cash flow performance is strong, with significant growth in free cash flow. Overall, the company appears stable with strong cash generation, but there are areas for improvement in profitability and margin management.

Income Statement

Renasant shows a mixed performance in its income statement. The TTM data indicates a gross profit margin of 14%, which is significantly lower than previous years, suggesting increased costs or reduced pricing power. However, the net profit margin remains relatively stable at 12.5%, indicating effective cost management. Revenue growth is positive at 11.1% TTM, although it has slowed compared to previous periods. The EBIT and EBITDA margins are healthy, reflecting operational efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.30 TTM, indicating moderate leverage. The return on equity is 4.5%, which is a decline from previous years, suggesting reduced profitability on equity. The equity ratio is robust, indicating a strong capital base relative to assets. Overall, the balance sheet suggests stability but with room for improvement in profitability.

Cash Flow

Cash flow analysis reveals strong free cash flow growth of 110.22% TTM, indicating improved cash generation capabilities. The operating cash flow to net income ratio is 0.23, suggesting that cash flows are well-aligned with reported earnings. The free cash flow to net income ratio is 0.85, reflecting efficient conversion of earnings into cash. Overall, the cash flow statement shows strong cash generation and management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.31B	1.04B	909.77M	691.06M	695.67M	731.62M
Gross Profit	775.38M	653.18M	616.19M	606.68M	653.15M	573.44M
EBITDA	201.32M	277.25M	212.42M	254.05M	270.18M	138.12M
Net Income	147.07M	195.46M	144.68M	166.07M	175.89M	83.65M
Balance Sheet
Total Assets	26.73B	18.03B	17.36B	16.99B	16.81B	14.93B
Cash, Cash Equivalents and Short-Term Investments	1.09B	1.92B	1.72B	2.11B	4.26B	1.98B
Total Debt	1.16B	538.63M	736.98M	1.14B	485.16M	496.31M
Total Liabilities	22.90B	15.36B	15.06B	14.85B	14.60B	12.80B
Stockholders Equity	3.83B	2.68B	2.30B	2.14B	2.21B	2.13B
Cash Flow
Free Cash Flow	253.19M	115.78M	126.92M	559.21M	122.14M	53.97M
Operating Cash Flow	256.43M	129.43M	148.55M	574.04M	142.66M	82.24M
Investing Cash Flow	-1.03B	-298.04M	-55.40M	-2.04B	-660.00M	-1.27B
Financing Cash Flow	586.31M	459.30M	132.21M	167.64M	1.76B	1.40B

Renasant Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 36.58
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RNST, the sentiment is Positive. The current price of 36.58 is above the 20-day moving average (MA) of 36.13, above the 50-day MA of 35.56, and above the 200-day MA of 35.23, indicating a bullish trend. The MACD of 0.15 indicates Negative momentum. The RSI at 54.96 is Neutral, neither overbought nor oversold. The STOCH value of 75.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RNST.

Renasant Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
INDB	80 Outperform	$3.78B	18.63	5.51%	3.05%	11.05%	-10.78%
TCBI	79 Outperform	$4.47B	16.05	8.60%	―	5.19%	3454.95%
UCB	77 Outperform	$4.12B	12.94	9.23%	3.02%	5.63%	65.11%
EBC	74 Outperform	$4.62B	78.26	1.32%	2.72%	-1.18%	-89.13%
RNST	72 Outperform	$3.48B	18.43	4.54%	2.47%	20.26%	-35.00%
FULT	71 Outperform	$3.60B	10.47	10.92%	3.52%	9.60%	20.38%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Renasant Corporate Events

Renasant Director Dr. Richard Heyer to Retire

On November 10, 2025, Dr. Richard Heyer informed Renasant Corporation that he will not seek re-election as a director at the company’s 2026 Annual Meeting of Shareholders, scheduled for April 28, 2026. Dr. Heyer will also retire from the board of Renasant Bank, a subsidiary of the company. His decision was not due to any disagreements with the company’s operations, policies, or practices.

The most recent analyst rating on (RNST) stock is a Hold with a $38.00 price target. To see the full list of analyst forecasts on Renasant stock, see the RNST Stock Forecast page.

Renasant Reports Q3 2025 Financial Results and Merger Impact

In the third quarter of 2025, Renasant Corporation reported a net income of $59.8 million and a diluted EPS of $0.63. The company experienced a 9.9% annualized increase in loans while deposits decreased due to public fund seasonality. The merger with The First Bancshares, Inc. presents opportunities and risks, including integration challenges and regulatory scrutiny, which could impact Renasant’s financial performance and growth strategy.

The most recent analyst rating on (RNST) stock is a Buy with a $41.00 price target. To see the full list of analyst forecasts on Renasant stock, see the RNST Stock Forecast page.

Renasant Reports Strong Q3 2025 Earnings Growth

Renasant Corporation announced its third-quarter 2025 earnings, reporting a net income of $59.8 million. The company experienced strong loan growth and profit improvement, with a net interest income of $228.1 million and a net interest margin of 3.85%. The integration with The First Bancshares, Inc. is progressing well, positioning Renasant to meet its financial goals. However, the company faced challenges such as a decrease in deposits and an increase in nonperforming loans. The Board approved a $150 million stock repurchase program, replacing the previous $100 million program.

The most recent analyst rating on (RNST) stock is a Buy with a $41.00 price target. To see the full list of analyst forecasts on Renasant stock, see the RNST Stock Forecast page.