Renasant Corporation (RNST) AI Stock Analysis

Headquartered in Tupelo, Mississippi, Renasant Corporation operates through three segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment offers checking and savings accounts, commercial and personal loans, asset-based lending, equipment leasing, mortgages, and treasury management. The Insurance segment delivers commercial and personal insurance products through agency services. The Wealth Management segment provides fiduciary services, individual and corporate trust accounts, investment services via third-party broker-dealers, and retirement plan administration. Renasant operates an extensive network of 189 banking, lending, and mortgage offices, including 150 full-service branches, across Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee.

Renasant Corporation expanded annual revenue from $695.7M in FY2021 to $1.44B in FY2025, recording a 5-year revenue CAGR of 14.6%. Revenue climbed 39.1% in FY2025, though net margin compressed from 25.3% in FY2021 to 12.6% in FY2025. Net income was $181.3M with EPS of $3.03 in FY2025. Over the trailing twelve months, revenue reached $1.06B, supported by an operating margin of 43.5% and a profit margin of 29.6%. In the latest quarter ended June 30, 2026, quarterly revenue grew 45.3% year-over-year, while quarterly earnings surged 9300.0%.

As of June 30, 2026, Renasant Corporation held $881.2M in cash and short-term investments alongside total debt of $1.11B, resulting in net debt of $230.5M. Total assets stood at $27.00B against shareholders' equity of $3.87B, with a debt-to-equity ratio of 0.29 and a current ratio of 11.81. In FY2025, operating cash flow was $271.5M and free cash flow reached $237.8M. Capital deployment in FY2025 included $33.7M for capital expenditures, $78.6M paid in dividends, and $13.3M used for share buybacks.

RNST trades at a trailing P/E of 11.8x and a forward P/E of 10.4x, both slightly below the median of its US-listed Financial Services peers of 12.1x and 10.8x. Its price-to-sales ratio of 3.4x sits slightly above the peer median of 3.2x, while its price-to-book ratio is 0.9x. The company holds an enterprise value of $3.87B and a market cap of $3.65B. Over the past year, RNST delivered a 21.6% return, outperforming the S&P 500 return of 16.8%, but its 5-year return of 18.5% trailed the S&P 500 return of 83.0%.

Renasant Corporation pays a forward annual dividend of $0.96 per share, representing a 2.41% dividend yield. The company has paid dividends for 35 consecutive years, maintaining a conservative payout ratio of 26.5%. Its 5-year annualized dividend growth rate stands at 0.2%, with payments distributed quarterly. The most recent ex-dividend date occurred on September 16, 2026.

Wall Street sentiment includes 4 Strong Buy, 2 Buy, and 1 Hold ratings, with no Sell or Strong Sell recommendations. The mean price target of $47.71 suggests a 19.6% upside compared to the last close of $39.91. For the current fiscal year ending December 31, 2026, analysts estimate EPS of $3.78 on revenue of $1.12B. Renasant beat EPS estimates in 3 of the last 4 quarters, and its next earnings date is October 27, 2026.

This page is an AI-written research summary of Renasant Corporation (RNST). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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