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May 15, 2026·SEC
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May 7, 2026·SEC
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Renasant Corporation(RNST)Earnings, Financials & Key Ratios
RNST•NASDAQ•Banking & Credit
$42.48
20.5× P/E·Price updated Jul 7, 2026
AboutRenasant 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 estate1-4 family mortgage; real estatecommercial mortgage; real estateconstruction 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.Show more
- Net Interest Income$804M+57.0%
- Total Revenue$1.44B+39.1%
- Net Income$181M-7.3%
- Return on Equity5.52%-29.7%
- Net Interest Margin3.01%+5.8%
- Efficiency Ratio45.12%+14.7%
- ROA0.81%-26.7%
- Equity / Assets14.52%-2.2%
- Book Value per Share40.82-8.9%
RNST Price & Volume
Renasant Corporation (RNST) stock price & volume — 10-year historical chart
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Aggressive Asset Expansion Masks Persistent Margin Stagnation
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Provisioning and credit volatility
Key Thesis Takeaways
- Renasant Corporation has demonstrated significant top-line growth, with net interest income surging to $223.6 million in 2026Q1, though this expansion is heavily reliant on inorganic asset growth that has pushed total assets to $27.1 billion.
- While the bank has successfully scaled its footprint, the persistent net interest margin range of 0.7% to 0.9% over ten quarters suggests that funding costs continue to compress core profitability.
- Investors should monitor the volatility in credit provisioning, highlighted by the $81.3 million charge in 2025Q2, which remains a primary risk to long-term capital adequacy and earnings stability.
Verdict Logic
while the bank shows accelerating NII growth of 66.6% as of 2026Q1, the forward P/E of 11.58 and persistent margin compression suggest that valuation may be fully priced relative to credit risks.
RNST Growth Metrics
Renasant Corporation (RNST) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.55%
5 Years14.57%
3 Years27.85%
TTM-
Profit CAGR
10 Years10.3%
5 Years16.73%
3 Years2.96%
TTM15.4%
EPS CAGR
10 Years0.97%
5 Years6.94%
3 Years-11.14%
TTM-25.13%
Return on Capital
10 Years7.09%
5 Years6.13%
3 Years5.14%
Last Year1.53%
RNST Recent Earnings
Renasant Corporation (RNST) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.93+10.7%
$0.84
Rev
$274M-0.7%
$276M
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.91+13.8%
$0.80
Rev
$279M+1.0%
$276M
Q4 2025
Oct 28, 2025Metric
Actual
Est
EPS
$0.77+14.4%
$0.67
Rev
$235M-14.1%
$273M
Q3 2025
Jul 22, 2025Metric
Actual
Est
EPS
$0.69+1.5%
$0.68
Rev
$226M-16.8%
$272M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.93vs $0.84+10.7% | $274Mvs $276M-0.7% |
| Q1 2026 | Jan 27, 2026 | $0.91vs $0.80+13.8% | $279Mvs $276M+1.0% |
| Q4 2025 | Oct 28, 2025 | $0.77vs $0.67+14.4% | $235Mvs $273M-14.1% |
| Q3 2025 | Jul 22, 2025 | $0.69vs $0.68+1.5% | $226Mvs $272M-16.8% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Renasant Corporation (RNST)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $42.48 | $3.92B | 20.52 | 39.12% | 12.55% | 5.52% | 1.94% | |
| $22.75 | $3.3B | -7.71 | -56.66% | -63.53% | -10.51% | — | |
| $28.66 | $5.77B | 11.89 | -5.35% | 34.84% | 11.29% | — | |
| $81.71 | $1.99B | 12.65 | 5.2% | 27.72% | 12.39% | — | |
| $13.35 | $1.71B | 29.02 | -3.23% | 6.82% | 2.96% | — | |
| $114.32 | $3.84B | 16.06 | -9.29% | 29.66% | 13.62% | — |
Compare RNST vs Peers
Renasant Corporation (RNST) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RNST SEC Filings & Documents
Renasant Corporation (RNST) SEC filings — annual & quarterly reports (10-K, 10-Q)
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RNST Frequently Asked Questions
Renasant Corporation (RNST) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Renasant Corporation growing?
Renasant Corporation (RNST) grew revenue by 39.1% over the past year. This is strong growth.
Is RNST profitable?
Yes, Renasant Corporation (RNST) is profitable, generating $228.0M in net income for fiscal year 2025 (12.6% net margin).
Dividend & Returns
Does RNST pay dividends?
Yes, Renasant Corporation (RNST) pays a dividend with a yield of 1.94%. This makes it attractive for income-focused investors.
What is RNST's return on equity?
Renasant Corporation (RNST) has a return on equity (ROE) of 5.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is Renasant Corporation's net interest margin?
Renasant Corporation (RNST) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.
What is Renasant Corporation's efficiency ratio?
Renasant Corporation (RNST) has an efficiency ratio of 45.1%. This is excellent, indicating strong cost control.