Renasant Corporation (RNST) Income Statement
RNST 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsRNST revenue and net income
Where RNST's revenue goes
2025Each bar shows an amount and its share of revenue. RNST kept 12.6% of revenue as net income.
RNST profit margins
RNST growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +39.1% | +27.8% | +14.6% | +14.5% |
| Gross profit | +34.5% | +13.1% | +8.9% | +9.8% |
| Operating income | −7.4% | +2.4% | +17.0% | +8.6% |
| Net income | −7.3% | +3.0% | +16.7% | +10.3% |
| EPS (diluted) | +9.4% | +0.3% | +9.4% | +3.8% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
RNST quarterly EPS vs estimates
Renasant beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 27, 2026 (estimate $0.94).
RNST income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.44B | $1.04B | $909.8M | $691.1M | $695.7M | $731.6M | $695.8M | $605.8M | $506.9M | $466.6M |
| Cost of revenue | $565.7M | $384.9M | $293.6M | $84.4M | $42.5M | $158.2M | $106.0M | $72.1M | $45.4M | $35.7M |
| Gross profit | $878.4M | $653.2M | $616.2M | $606.7M | $653.2M | $573.4M | $589.9M | $533.7M | $461.5M | $430.9M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $386.9M | $300.0M | $296.5M | $276.0M | $292.8M | $312.7M | $290.9M | $250.7M | $216.8M | $205.6M |
| Total operating expenses | $651.7M | $408.2M | $439.0M | $395.4M | $430.3M | $469.9M | $374.2M | $345.0M | $301.6M | $295.1M |
| Operating income | $226.7M | $245.0M | $177.2M | $211.3M | $222.8M | $103.5M | $215.7M | $188.6M | $159.9M | $135.8M |
| Interest income | $1.26B | $887.8M | $752.0M | $541.8M | $468.7M | $498.1M | $542.6M | $461.9M | $374.8M | $329.1M |
| Interest expense | $458.3M | $375.6M | $278.0M | $60.5M | $44.7M | $71.3M | $98.9M | $65.3M | $37.9M | $28.1M |
| Income before taxes | $226.7M | $245.0M | $177.2M | $211.3M | $222.8M | $103.5M | $215.7M | $188.6M | $159.9M | $135.8M |
| Income taxes | $45.5M | $49.5M | $32.5M | $45.2M | $46.9M | $19.8M | $48.1M | $41.7M | $67.7M | $44.8M |
| Net income | $181.3M | $195.5M | $144.7M | $166.1M | $175.9M | $83.7M | $167.6M | $146.9M | $92.2M | $90.9M |
| EBITDA | $242.9M | $277.2M | $212.4M | $254.1M | $270.2M | $138.1M | $223.9M | $192.1M | $164.7M | $138.9M |
| EPS (diluted) | $3.03 | $2.77 | $3.16 | $3.00 | $2.97 | $1.93 | $2.91 | $3.01 | $2.42 | $2.29 |
| Gross margin | 60.8% | 62.9% | 67.7% | 87.8% | 93.9% | 78.4% | 84.8% | 88.1% | 91.0% | 92.4% |
| Operating margin | 15.7% | 23.6% | 19.5% | 30.6% | 32.0% | 14.1% | 31.0% | 31.1% | 31.5% | 29.1% |
| Net margin | 12.6% | 18.8% | 15.9% | 24.0% | 25.3% | 11.4% | 24.1% | 24.3% | 18.2% | 19.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $122.0M | $387.0M | $376.4M | $362.1M | $351.2M | $255.2M | $259.6M | $265.0M | $259.0M | $254.5M | $230.2M | $243.9M |
| Cost of revenue | $122.6M | $122.6M | $130.5M | $138.0M | $206.4M | $90.9M | $95.1M | $99.0M | $98.5M | $92.3M | $83.8M | $82.9M |
| Gross profit | −$643,000 | $264.4M | $246.0M | $224.1M | $144.8M | $164.3M | $164.5M | $166.0M | $160.5M | $162.2M | $146.4M | $161.0M |
| Sales, general & admin | $109.8M | $109.8M | $114.2M | $122.7M | $121.4M | $80.7M | $74.1M | $71.3M | $74.5M | $76.4M | $74.9M | $72.9M |
| Total operating expenses | $109.8M | $153.9M | $149.1M | $148.9M | $142.2M | $112.4M | $114.7M | $68.6M | $112.0M | $112.9M | $114.5M | $108.4M |
| Operating income | −$110.4M | $110.4M | $96.8M | $75.3M | $2.7M | $52.0M | $49.8M | $97.4M | $48.5M | $49.3M | $31.9M | $52.6M |
| Interest income | $340.4M | $338.1M | $346.9M | $351.1M | $343.9M | $220.3M | $225.3M | $229.0M | $220.2M | $213.2M | $210.4M | $206.3M |
| Interest expense | $117.7M | $114.6M | $119.5M | $127.6M | $125.0M | $86.1M | $92.5M | $98.0M | $95.2M | $89.9M | $84.5M | $78.3M |
| Income before taxes | $108.6M | $110.4M | $96.8M | $75.3M | $2.7M | $52.0M | $49.8M | $97.4M | $48.5M | $49.3M | $31.9M | $52.6M |
| Income taxes | $21.6M | $22.2M | $17.9M | $15.5M | $1.6M | $10.4M | $5.0M | $24.9M | $9.7M | $9.9M | $3.8M | $10.8M |
| Net income | $87.1M | $88.2M | $78.9M | $59.8M | $1.0M | $41.5M | $44.7M | $72.5M | $38.8M | $39.4M | $28.1M | $41.8M |
| EBITDA | −$106.0M | $110.7M | $99.9M | $76.6M | $6.1M | $60.3M | $58.3M | $105.1M | $56.4M | $57.4M | $40.4M | $61.0M |
| EPS (diluted) | $0.94 | $0.93 | $0.91 | $0.77 | $0.69 | $0.66 | $0.73 | $0.70 | $0.69 | $0.65 | $0.76 | $0.75 |
| Gross margin | −0.5% | 68.3% | 65.3% | 61.9% | 41.2% | 64.4% | 63.4% | 62.6% | 62.0% | 63.7% | 63.6% | 66.0% |
| Operating margin | −90.5% | 28.5% | 25.7% | 20.8% | 0.8% | 20.4% | 19.2% | 36.7% | 18.7% | 19.4% | 13.9% | 21.6% |
| Net margin | 71.4% | 22.8% | 21.0% | 16.5% | 0.3% | 16.3% | 17.2% | 27.3% | 15.0% | 15.5% | 12.2% | 17.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in RNST's financial statements (latest annual report filed March 2, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
RNST financial results
In fiscal year 2025 (ended December 31, 2025), Renasant reported revenue of $1.4 billion, up 39.1% from the year before. It had net income of $181.3 million (down 7.3%), a net profit margin of 12.6%. Diluted earnings per share came to $3.03. Over five years revenue grew at an average rate of 14.6% a year.
See the RNST stock overview for the latest quote and news, or the RNST chart for price history and technical indicators.
RNST income statement FAQ
What is Renasant's annual revenue?
Renasant reported total revenue of $1.4 billion for fiscal year 2025, which ended on December 31, 2025. That was up 39.1% from $1.0 billion the previous year.
Is Renasant profitable?
Yes. Renasant reported net income of $181.3 million in fiscal 2025, a net profit margin of 12.6%; its operating margin was 15.7%.
What is Renasant's gross margin?
Renasant's gross margin was 60.8% in fiscal 2025: for every $100 of revenue, Renasant kept $61 after the direct cost of its products and services.
How fast is Renasant growing?
Revenue grew 14.6% a year on average over the last five fiscal years, from $731.6 million to $1.4 billion.
What are Renasant's earnings per share?
Renasant earned $3.03 per diluted share in fiscal 2025, compared with $2.77 a year earlier.
When will Renasant report its next earnings?
Renasant is expected to report results for the quarter ending September 30, 2026 on October 27, 2026 after the market closes.
When does Renasant's fiscal year end?
Renasant's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 2, 2026.