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Renasant Corporation

RNST Financial Banks Regional

Renasant Corporation’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, up 32.3% from fiscal 2024.

Revenue
−0.13%
EPS
+37.8%
Free cash flow
+505.6%
Total debt
+35.1%

Quarter to September 2026, against a year earlier

39.37 0.33 −0.83%
Market cap
$3.6B
P/E
11.0×
Fwd P/E
10.9×
Dividend yield
2.37%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.08
Sold, $m 3.72
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — 1
Sell — 1 2 1 — 3 — — 1 — — —
Insider Ownership 2.84%

Capital & Financial Ratios $m

Size
Market Cap 3,580.00
Revenue ttm 1,574.69
Net income ttm 314.06
Free cash flow ttm 429.54
Net debt Q 20.32
Valuation
P/E 11.04
Forward P/E 10.90
Price / sales 2.29
Forward P/S Powerpack
Price / FCF 8.23
Price / book 0.94
Financial health
Current ratio Q 0.91
Debt / equity Q 0.20
Interest coverage Q —
Growth
Revenue growth Q −0.13% (below 0%: shrinking)
Operating income growth Q +7.08% (above 0%: growing)
EPS, this year +76.81% (at or above 15%: strong)
EPS, next year A +4.22%
Revenue, next year A −22.65% (below 0%: weak)
EPS, past 5 yrs +6.94%
EPS, next 5 yrs A +26.66% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 15.11%
10-year low 10-year high
P/S against its own 10 years 28.93%
10-year low 10-year high
P/B against its own 10 years 50.72%
10-year low 10-year high

Dividends

Yield
2.37%
Annual rate
0.94
Payout ratio
26.3%
Growth, 2017–25
+2.51%/yr
  1. 0.73 ’17
  2. 0.80 ’18 +10
  3. 0.87 ’19 +9
  4. 0.88 ’20 +1
  5. 0.88 ’21 +0
  6. 0.88 ’22 +0
  7. 0.88 ’23 +0
  8. 0.88 ’24 +0
  9. 0.89 ’25 +1
  10. 0.96 ’26e +7
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 801 1,092 1,071 735
Receivables — — — —
Inventory — — — —
Other — — — —
13,134 14,021 20,090 20,391
2023 2024 2025 Q'26
Payables 14,077 14,573 21,473 21,628
ST’ Debt — — — —
Other — — — —
14,384 14,681 22,029 22,434

Compound Annual Growth %

10y 5y 3y
Sales 14.55% 14.50% 27.85%
Cash Flow 0.72% 26.98% (22.09%)
Earnings 10.30% 16.73% 2.96%
Book Value 14.12% 12.74% 22.07%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.94 Actual 0.86

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.80 0.91 Beat by 0.11
Q1 FY26 0.84 0.93 Beat by 0.09
Q2 FY26 0.91 0.94 Beat by 0.03
Q3 FY26 0.94 0.86 Miss by 0.08
Q4 FY26 0.94 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.94 0.94 0.86 — —
’25 0.65 0.01 0.63 0.83 2.07
’24 0.70 0.69 1.18 0.70 3.27
’23 0.82 0.51 0.75 0.50 2.56
’22 0.60 0.71 0.83 0.82 2.95
’21 1.02 0.72 0.71 0.66 3.12
’20 0.04 0.36 0.53 0.56 1.48
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 388 392 397 — —
’25 257 392 397 398 1,444
’24 255 259 318 260 1,091
’23 221 214 244 231 910
’22 148 161 184 198 691
’21 203 169 165 160 696
’20 168 188 193 185 734
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 100 82 — — —
’25 50 (31) 145 107 271
’24 65 (49) (2) 92 106
’23 (7) (24) 80 100 149
’22 206 144 113 111 574
’21 (57) 106 41 52 143
’20 (123) 178 (11) 38 82
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 100 82 — — —
’25 47 (20) 130 117 274
’24 62 (51) 18 91 119
’23 (15) (28) 78 96 131
’22 205 141 110 108 564
’21 (57) 106 37 52 138
’20 (124) 177 (10) 19 62
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 467 507 606 696 734 696 691 910 1,091 1,444 1,575 +13.4% 1,117 1,194 1,260 (4.4%)
Gross margin, % 93.97 92.53 89.22 85.78 90.28 93.58 91.24 69.46 65.59 68.27 69.81 (25.7) pt
EBT 136 160 189 216 103 223 211 177 245 227 415 +5.9%
EBT margin, % 29.10 31.54 31.14 31.00 14.11 32.03 30.58 19.46 22.44 15.70 26.37 (13.4) pt
Net income 91 92 147 168 84 176 166 145 195 181 314 +8.0%
Per share, $
Per share, $ Revenue 11.18 10.81 11.54 11.99 13.04 12.40 12.36 16.23 18.39 16.61 17.32 +4.5%
Earnings 2.18 1.97 2.80 2.89 1.49 3.13 2.97 2.58 3.29 2.09 3.60 (0.5%)
Cash flow 3.92 4.42 1.56 2.82 1.46 2.54 10.27 2.65 1.79 3.12 0.00 (2.5%)
Capex 0.14 0.07 (0.25) (0.22) (0.35) (0.08) (0.18) (0.31) 0.22 0.03 0.00 (14.6%)
Free cash flow 4.06 4.48 1.32 2.60 1.11 2.46 10.09 2.33 2.01 3.16 0.00 (2.8%)
Book value 29.54 32.32 38.94 36.62 37.90 39.38 38.21 40.95 45.13 44.68 42.15 +4.7%
Shares, m 42 47 52 58 56 56 56 56 59 87 91 +8.5%
Valuation, ×
Valuation, × P/E 19.42 20.82 10.78 12.21 22.60 12.12 12.60 13.03 10.93 16.54 11.04 15.1
P/S 3.79 3.81 2.62 2.95 2.58 3.06 3.03 2.07 1.94 2.12 2.29 2.8
P/B 1.43 1.28 0.78 0.97 0.89 0.96 0.98 0.82 0.79 0.79 0.94 1.0
EV/Sales 3.56 3.67 2.11 2.90 2.37 1.04 2.81 1.66 1.34 1.73 — 2.3
EV/FCF 9.80 8.84 18.52 13.38 27.83 5.23 3.45 11.56 15.14 9.08 — 12.3
Cash, $m
Cash, $m Operating cash flow 164 207 82 164 82 143 574 149 106 271 434 +5.8%
Capex 6 3 (13) (13) (20) (4) (10) (18) 13 3 (5) (7.4%)
Free cash flow 170 210 69 151 62 138 564 131 119 274 430 +5.5%
Balance, $m
Balance, $m Working capital (525) (47) (502) (332) (272) (1,731) (2,127) (1,251) (659) (1,939) (2,043) +15.6%
Net debt (104) (74) (305) (38) (158) (1,407) (148) (372) (661) (571) 20 +20.9%
Shareholders’ equity 1,233 1,515 2,044 2,126 2,133 2,210 2,136 2,297 2,678 3,885 3,832 +13.6%
Returns, %
Returns, % ROA 1.09 1.00 1.29 1.27 0.59 1.11 0.98 0.84 1.10 0.81 1.23 (0.3) pt
ROIC 7.74 7.38 7.29 6.47 3.51 17.37 6.72 5.75 8.00 5.21 6.91 (2.5) pt
ROE 8.01 6.71 8.26 8.04 3.93 8.10 7.64 6.53 7.86 5.52 8.70 (2.5) pt
People
People Employees 1,965 2,102 2,359 2,527 2,524 2,409 2,334 2,300 2,200 3,000 — +4.8%
Revenue/emp, $m 0.24 0.24 0.26 0.28 0.29 0.29 0.30 0.40 0.50 0.48 — +8.2%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Renasant Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BANF BancFirst Corporation $3.9B 15.0× 14.3× −78.96% (below 0%: shrinking) +6.38% (above 0%: growing) +13.82% (above 0%: growing) 100.00% 0.00% Compare
WSBC WesBanco, Inc. $3.7B 11.0× 10.8× +0.69% (above 0%: growing) +5.95% (above 0%: growing) −14.15% (below 0%: shrinking) 69.86% 0.00% Compare
BMA Macro Bank Inc. $3.6B 12.2× 8.3× +4.42% (above 0%: growing) +17.44% (above 0%: growing) +198.80% (above 0%: growing) 77.07% 0.00% Compare
NIC Nicolet Bankshares Inc. $3.6B 18.7× 17.7× +61.55% (above 0%: growing) +8.19% (above 0%: growing) +40.19% (above 0%: growing) 75.01% 0.00% Compare
RNST Renasant Corporation $3.6B 11.0× 10.9× −0.13% (below 0%: shrinking) +37.83% (above 0%: growing) +505.64% (above 0%: growing) 68.82% 0.00%
FIBK First Interstate BancSystem, Inc. $3.5B 11.8× 13.4× −5.93% (below 0%: shrinking) −4.35% (below 0%: shrinking) +22.30% (above 0%: growing) 79.01% 0.00% Compare
FFBC First Financial Bancorp. $3.4B 11.3× 10.5× +13.34% (above 0%: growing) +2.75% (above 0%: growing) −101.00% (below 0%: shrinking) 74.64% 0.00% Compare
TOWN Towne Bank $3.4B 10.2× 8.6× +85.30% (above 0%: growing) +303.85% (above 0%: growing) +9.18% (above 0%: growing) 85.47% 0.00% Compare
CBU Community Financial System, Inc. $3.4B 14.7× 13.6× +6.18% (above 0%: growing) +11.54% (above 0%: growing) +15.96% (above 0%: growing) 83.56% 0.00% Compare
Median of peers $3.6B 12.0× 12.1× +5.30% +7.29% +14.89% 78.04% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 18 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2024 3.51m 3.62m 116.18
2023 2.81m 2.19m 106.47
2022 3.53m 3.05m 115.35
2021 3.19m 3.48m 113.42

Ownership

Directors and executive officers, together 2.07%
Vanguard Group Inc. 11.69%
BlackRock, Inc. 8.84%
Dimensional Fund Advisors LP 5.81%
State Street Corporation One Congress Street, Suite 5.11%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Renasant Corporation (RNST) Latest News

29 Oct

Impact 4 · · Simply Wall St.

28 Oct

Impact 4 · · djournal.com
Impact 4 · · The Motley Fool transcript
Impact 4 · · bankingdive.com
Impact 4 · · Moby
Impact 3 · · StockStory

27 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks
Impact 3 · · Zacks
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26 Oct

Impact 3 · · StockStory

20 Oct

Impact 3 · · Zacks

1 Oct

Impact 3 ·

26 Sep

Impact 3 · · Simply Wall St.

25 Sep

Impact 4 · · Insider Monkey

30 Jul

Impact 3 ·
Impact 3 · · MarketBeat

29 Jul

Impact 3 ·
Impact 3 ·
Impact 3 · · Moby

28 Jul

Impact 3 ·
Impact 3 ·
Impact 3 ·
Impact 3 ·

26 Jul

Impact 3 ·

7 Jul

Impact 3 ·

2 May

Impact 3 · · MarketBeat

30 Apr

Impact 4 · · Simply Wall St.

29 Apr

Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby

RNST metrics, ten years each

stockrow.com/RNST · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com