RNST Stock Analysis: Renasant | NYSE
Banks - Regional | NYSE, USA | Market Cap: 3.704m USD | 12M Return: 11.1% | US75970E1073 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 25.5M
EPS Trend: 19.7%
Qual. Beats: 0
Rev. Trend: 94.1%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Renasant Corporation (NYSE: RNST) is a bank holding company headquartered in Tupelo, Mississippi, that operates through Renasant Bank across two main segments: Community Banks and Wealth Management. Founded in 1904 and trading as a mid-cap stock in the GICS Regional Banks sub-industry, the company provides a combination of traditional banking and fee-based financial services to retail and commercial customers.
The Community Banks segment, which forms the core of the business, offers a full suite of deposit and lending products. These include checking and savings accounts, business and personal loans, asset-based lending, factoring, and equipment leasing, along with treasury management, ATM, and online and mobile banking services. Consistent with the regional bank model, Renasants lending activity is concentrated in local markets and carries meaningful exposure to commercial real estate, residential construction, and agricultural loans within its geographic footprint.
The Wealth Management segment complements the banking franchise by providing trust administration, custodial and fiduciary services, retirement and IRA planning, and estate management. The company distributes annuities, mutual funds, and other investment products through a third-party broker-dealer arrangement, a common distribution model for community banks that expands fee-based revenue without building a full in-house brokerage operation.
The dual-segment structure pairs traditional spread-based banking income with fee-generating wealth management services, a strategic combination frequently used by mid-sized regional banks to diversify revenue streams and reduce reliance on net interest margin.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan exposure raises credit quality concerns
- Wealth Management fees pressured by equity market volatility
| Net Income: 314.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.03 > 1.0 |
| NWC/Revenue: 273.2% < 20% (prev -1.69k%; Δ 1.97k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 425.1m > Net Income 314.1m |
| Net Debt (230.5m) to EBITDA (176.5m): 1.31 < 3 |
| Current Ratio: 11.81 > 1.5 & < 3 |
| Outstanding Shares: last quarter (93.2m) vs 12m ago -2.01% < -2% |
| Gross Margin: 58.82% > 18% (prev 56.56%; Δ 2.26% > 0.5%) |
| Asset Turnover: 4.65% > 50% (prev 4.25%; Δ 0.40% > 0%) |
| Interest Coverage Ratio: 0.36 > 6 (EBIT TTM 172.1m / Interest Expense TTM 479.4m) |
| A: 0.13 (Total Current Assets 3.72b - Total Current Liabilities 315.2m) / Total Assets 27.0b |
| B: 0.05 (Retained Earnings 1.33b / Total Assets 27.0b) |
| C: 0.01 (EBIT TTM 172.1m / Avg Total Assets 26.8b) |
| D: 0.17 (Book Value of Equity 3.87b / Total Liabilities 23.1b) |
| Altman-Z'' = 1.21 = BB |
As of September 27, 2026, the stock is trading at USD 40.35 with a total of 652,312 shares traded. Over the past week, the price has changed by -0.66%, over one month by -1.03%, over three months by -6.35% and over the past year by +11.13%.
Current recommended Stop Loss: 38.40 (which is 4.8% or 2.4 ATR below the current price).
Renasant has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy RNST.
- StrongBuy: 2
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 47.9 | 18.6% |
P/E Trailing = 11.848
P/E Forward = 10.4167
P/S = 3.4856
P/B = 0.9591
P/EG = 1.7897
Revenue TTM = 1.25b USD
EBIT TTM = 172.1m USD
EBITDA TTM = 176.5m USD
Long Term Debt = 796.5m USD (from longTermDebt, last quarter)
Short Term Debt = 315.2m USD (from shortTermDebt, last quarter)
Debt = 1.11b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 230.5m USD (calculated: Debt 1.11b - CCE 881.2m)
Enterprise Value = 3.93b USD (3.70b + Debt 1.11b - CCE 881.2m)
Interest Coverage Ratio = 0.36 (Ebit TTM 172.1m / Interest Expense TTM 479.4m)
EV/FCF = 10.42x (Enterprise Value 3.93b / FCF TTM 377.6m)
FCF Yield = 9.60% (FCF TTM 377.6m / Enterprise Value 3.93b)
FCF Margin = 30.27% (FCF TTM 377.6m / Revenue TTM 1.25b)
Net Margin = 25.17% (Net Income TTM 314.1m / Revenue TTM 1.25b)
Gross Margin = 58.82% ((Revenue TTM 1.25b - Cost of Revenue TTM 513.8m) / Revenue TTM)
Gross Margin QoQ = -0.53% (prev 68.31%)
Tobins Q-Ratio = 0.15 (Enterprise Value 3.93b / Total Assets 27.0b)
Interest Expense / Debt = 43.12% (Interest Expense 479.4m / Debt 1.11b)
Taxrate = 19.71% (77.1m / 391.2m)
NOPAT = 138.2m (EBIT 172.1m * (1 - 19.71%))
Current Ratio = 11.81 (Total Current Assets 3.72b / Total Current Liabilities 315.2m)
Debt / Equity = 0.29 (Debt 1.11b / totalStockholderEquity, last quarter 3.87b)
Debt / EBITDA = 1.31 (Net Debt 230.5m / EBITDA 176.5m)
Debt / FCF = 0.61 (Net Debt 230.5m / FCF TTM 377.6m)
Total Stockholder Equity = 3.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.17% (Net Income 314.1m / Total Assets 27.0b)
RoE = 8.13% (Net Income TTM 314.1m / Total Stockholder Equity 3.86b)
RoCE = 3.69% (EBIT 172.1m / Capital Employed (Equity 3.86b + L.T.Debt 796.5m))
RoIC = 0.51% (NOPAT 138.2m / Invested Capital 26.9b)
WACC = 14.85% (E(3.70b)/V(4.82b) * Re(8.92%) + D(1.11b)/V(4.82b) * Rd(43.12%) * (1-Tc(0.20)))
Discount Rate = 8.92% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 89.69 | Cagr: 24.89%
[DCF] Terminal Value 59.83% ; FCFF base≈265.5m ; Y1≈304.4m ; Y5≈448.0m
[DCF] Fair Price = 31.49 (EV 3.11b - Net Debt 230.5m = Equity 2.88b / Shares 91.4m; r=14.85% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 19.65 | EPS CAGR: 1.84% | SUE: 0.53 | # QB: 0
Revenue Correlation: 94.11 | Revenue CAGR: 18.51% | SUE: -1.07 | # QB: -1
EPS current Quarter (2026-09-30): EPS=0.94 | Chg30d=+0.77% | Revisions=+22% | Analysts=7
EPS current Year (2026-12-31): EPS=3.78 | Chg30d=+1.37% | Revisions=+12% | GrowthEPS=+23.7% | GrowthRev=+12.1%
EPS next Year (2027-12-31): EPS=3.93 | Chg30d=-0.58% | Revisions=-38% | GrowthEPS=+3.8% | GrowthRev=+3.2%
[Analyst] Revisions Ratio: +0% (up=8, down=8)