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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. In the quarter to June 2026, revenue was flat, EPS grew 9,400.0%, free cash flow grew 505.6% and total debt rose 43.0%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

39.91 0.14 +0.35%
Market cap
$3.6B
P/E
11.9×
Fwd P/E
10.9×
Dividend yield
2.36%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.07
Total sells 3.72
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 1 — — — — — — — — — — —
Sell — — 1 2 1 — 3 — — 1 — —
Insider Ownership 2.28%

Capital & Financial Ratios $m

Market Cap 3,640.00
Revenue 1,575.20
Net Income 314.06
Free Cash Flow 429.54
Net Debt (84.73)
Current Ratio 0.91
Debt/Equity 0.21
P/E ratio 11.88
Fwd P/E 10.90
P/S ratio 2.32
P/B ratio 0.94
Past 5Y EPS Growth 6.94%
This Y EPS Growth 82.68% (at or above 15%: strong)
Next Y EPS Growth 3.97%
Next Y revenue growth (22.10%) (below 0%: weak)
Next 5Y EPS Growth 26.25% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 27.24%
10-year low 10-year high
P/S against its own 10 years 29.45%
10-year low 10-year high
P/B against its own 10 years 51.42%
10-year low 10-year high

Dividends

Payout Ratio 0.28
Annual Dividend Rate 0.94
Annual Dividend Yield 2.36%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.95
0.23
0.24
0.24
2025 0.89
0.22
0.22
0.22
0.23
2024 0.88
0.22
0.22
0.22
0.22
2023 0.88
0.22
0.22
0.22
0.22
2022 0.88
0.22
0.22
0.22
0.22
2021 0.88
0.22
0.22
0.22
0.22
2020 0.88
0.22
0.22
0.22
0.22
2019 0.87
0.21
0.22
0.22
0.22
2018 0.80
0.19
0.20
0.20
0.21
2017 0.73
0.18
0.18
0.18
0.19
2016 0.71
0.17
0.18
0.18
0.18
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 801 1,092 1,071 881
Receivables — — — —
Inventory — — — —
Other — — — —
13,134 14,021 20,090 20,023
2023 2024 2025 Q'26
Payables 14,077 14,573 21,473 21,701
ST’ Debt — — — —
Other — — — —
14,384 14,681 22,029 22,016

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%

Revenue $m

Mar Jun Sep Dec Year
’26 388 392 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.94 0.94 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 29.49 37.68 28.02 29.76 18.22 32.06 27.61 22.99 27.98 26.97

Analyst estimates 2026–2028

Powerpack
High 44.65 45.32 49.78 39.02 35.90 46.97 41.77 38.41 39.47 40.40
People
People Employees 1,965 2,102 2,359 2,527 2,524 2,409 2,334 2,300 2,200 3,000
Revenue/emp, $m 0.24 0.24 0.26 0.28 0.29 0.29 0.30 0.40 0.50 0.48
Income, $m
Income, $m Revenue 467 507 606 696 734 696 691 910 1,091 1,444
Gross margin, % 93.97 92.53 89.22 85.78 90.28 93.58 91.24 69.46 65.59 68.27
EBT 136 160 189 216 103 223 211 177 245 227
EBT margin, % 29.10 31.54 31.14 31.00 14.11 32.03 30.58 19.46 22.44 15.70
Net income 91 92 147 168 84 176 166 145 195 181
Depreciation 3 5 3 8 35 47 43 35 32 16
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
Earnings 2.18 1.97 2.80 2.89 1.49 3.13 2.97 2.58 3.29 2.09
Cash flow 3.92 4.42 1.56 2.82 1.46 2.54 10.27 2.65 1.79 3.12
Capex 0.14 0.07 (0.25) (0.22) (0.35) (0.08) (0.18) (0.31) 0.22 0.03
Free cash flow 4.06 4.48 1.32 2.60 1.11 2.46 10.09 2.33 2.01 3.16
Book value 29.54 32.32 38.94 36.62 37.90 39.38 38.21 40.95 45.13 44.68
Shares, m 42 47 52 58 56 56 56 56 59 87
Valuation, ×
Valuation, × P/E 19.42 20.82 10.78 12.21 22.60 12.12 12.60 13.03 10.93 16.54
P/S 3.79 3.81 2.62 2.95 2.58 3.06 3.03 2.07 1.94 2.12
P/B 1.43 1.28 0.78 0.97 0.89 0.96 0.98 0.82 0.79 0.79
EV/Sales 3.56 3.67 2.11 2.90 2.37 1.04 2.81 1.66 1.34 1.73
EV/FCF 9.80 8.84 18.52 13.38 27.83 5.23 3.45 11.56 15.14 9.08
Cash, $m
Cash, $m Operating cash flow 164 207 82 164 82 143 574 149 106 271
Capex 6 3 (13) (13) (20) (4) (10) (18) 13 3
Free cash flow 170 210 69 151 62 138 564 131 119 274
Balance, $m
Balance, $m Working capital (525) (47) (502) (332) (272) (1,731) (2,127) (1,251) (659) (1,939)
Total debt 202 208 264 377 475 471 428 429 431 500
Net debt (104) (74) (305) (38) (158) (1,407) (148) (372) (661) (571)
Shareholders’ equity 1,233 1,515 2,044 2,126 2,133 2,210 2,136 2,297 2,678 3,885
Returns, %
Returns, % ROA 1.09 1.00 1.29 1.27 0.59 1.11 0.98 0.84 1.10 0.81
ROIC 7.74 7.38 7.29 6.47 3.51 17.37 6.72 5.75 8.00 5.21
ROE 8.01 6.71 8.26 8.04 3.93 8.10 7.64 6.53 7.86 5.52
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
TCBI Texas Capital Bancshares, Inc. $3.9B 11.7× 13.4× +4.34% (above 0%: growing) +16.35% (above 0%: growing) +62.74% (above 0%: growing) 65.14% 0.00% Compare
WSFS WSFS Financial Corporation $3.9B 12.8× 11.6× +1.64% (above 0%: growing) +28.35% (above 0%: growing) −141.58% (below 0%: shrinking) 81.45% 0.00% Compare
CVBF CVB Financial Corporation $3.8B 15.1× 14.9× +37.86% (above 0%: growing) −19.44% (below 0%: shrinking) +641.25% (above 0%: growing) 81.88% 0.00% Compare
INDB Independent Bank Corp. $3.7B 14.4× 10.9× +31.36% (above 0%: growing) +41.67% (above 0%: growing) −34.59% (below 0%: shrinking) 76.37% 0.00% Compare
RNST Renasant Corporation $3.6B 11.9× 10.9× −0.15% (below 0%: shrinking) +9,400.00% (above 0%: growing) +505.64% (above 0%: growing) 69.95% 0.00%
BANF BancFirst Corporation $3.6B 14.5× 15.1× +5.44% (above 0%: growing) +5.88% (above 0%: growing) +13.82% (above 0%: growing) 75.20% 0.00% Compare
WSBC WesBanco, Inc. $3.6B 10.8× 9.7× +1.67% (above 0%: growing) +61.40% (above 0%: growing) −26.05% (below 0%: shrinking) 71.32% 0.00% Compare
NIC Nicolet Bankshares Inc. $3.5B 18.2× 14.1× +71.53% (above 0%: growing) +11.67% (above 0%: growing) +139.43% (above 0%: growing) 74.94% 0.00% Compare
FIBK First Interstate BancSystem, Inc. $3.3B 10.7× 13.4× −1.86% (below 0%: shrinking) +26.09% (above 0%: growing) −12.42% (below 0%: shrinking) 79.42% 0.00% Compare
Median of peers $3.6B 13.6× 13.4× +4.89% +21.22% +0.70% 75.79% 0.00%

All 323 Banks Regional stocks →

Renasant Corporation (RNST) key facts

  • Concern: Net income was $181.3 million, or $2.09 per share (basic), a net margin of 12.6%.
  • Strength: Renasant Corporation’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, up 32.3% from fiscal 2024.
  • Renasant Corporation (RNST) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, RNST traded at $39.91, a market capitalization of $3.6 billion.
  • At that price the stock trades at 11.9× trailing-twelve-month earnings and 2.3× sales; its P/E is higher than 27% of its own readings over the past ten years.
  • Renasant Corporation pays an annual dividend of $0.94 per share, a yield of 2.36%, with a payout ratio of 28.1%.
  • Return on equity was 5.52% and debt-to-equity 0.21.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

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stockrow.com/RNST · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com