Tearsheet

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

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Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.0%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.9%, FCF Yield is 7.3%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -74%

Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 63%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 30%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26%

Low stock price volatility
Vol 12M is 27%

Capital ratio is >2x the minimum of 6%
Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.

Trading close to highs
Dist 52W High is -2.1%, Dist 3Y High is -2.1%

Weak multi-year price returns
3Y Excs Rtn is -21%

Key risks
RNST key risks include [1] a significant loan portfolio concentration in commercial real estate and an increasing criticized loan ratio, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.0%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.9%, FCF Yield is 7.3%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -74%
2 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 63%
3 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 30%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26%
4 Low stock price volatility
Vol 12M is 27%
5 Capital ratio is >2x the minimum of 6%
Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12%
6 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.
7 Trading close to highs
Dist 52W High is -2.1%, Dist 3Y High is -2.1%
8 Weak multi-year price returns
3Y Excs Rtn is -21%
9 Key risks
RNST key risks include [1] a significant loan portfolio concentration in commercial real estate and an increasing criticized loan ratio, Show more.

RNST in ETFs

Weight = RNST's share of each fund

VTI0.01%
ITOT0.01%
IWM0.12%
IJR0.22%
VYM0.02%
VB0.05%
KRE0.87%
IJS0.45%
+13 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 6/10/2026

Renasant (RNST) stock has gained about 10% since 2/28/2026 because of the following key factors:

1. Renasant reported strong financial performance in fiscal Q1 2026 (ended March 31, 2026), with diluted earnings per share of $0.94, surpassing analyst expectations of $0.84 by 11.9%. This significant earnings beat was accompanied by a 113% increase in net income to $88.2 million compared to fiscal Q1 2025, driven by improved profitability metrics such as return on average assets climbing to 1.33% from 0.94% and return on average tangible common equity surging to 16.36% from 10.16%. The company also demonstrated considerable efficiency gains, with its efficiency ratio improving to 55.73% on a GAAP basis and 52.82% on an adjusted basis in fiscal Q1 2026, compared to 65.51% and 64.43%, respectively, in fiscal Q1 2025. These improvements were attributed to continued realization of cost savings from the integration with The First, which contributed to a $15.4 million linked-quarter decrease in noninterest expense, including a $10.6 million reduction in merger and conversion-related expenses.

2. The company demonstrated robust capital management and shareholder returns through an increased dividend and an expanded stock repurchase program. Renasant's Board of Directors approved a quarterly cash dividend of $0.24 per share for fiscal Q2 2026, representing a $0.01 increase from the previous quarter's dividend of $0.23 per share. Additionally, the company repurchased $75.0 million of common stock in fiscal Q1 2026 at a weighted average price of $39.53, followed by an additional $25.0 million in April 2026 at $38.36 per share. The Board further enhanced shareholder value by authorizing an additional $100.0 million for its stock repurchase program, bringing the total available authorization to approximately $136.8 million as of April 28, 2026.

Show more
Updated on 6/10/2026

Renasant (RNST) stock has gained about 10% since 2/28/2026 because of the following key factors:

1. Renasant reported strong financial performance in fiscal Q1 2026 (ended March 31, 2026), with diluted earnings per share of $0.94, surpassing analyst expectations of $0.84 by 11.9%. This significant earnings beat was accompanied by a 113% increase in net income to $88.2 million compared to fiscal Q1 2025, driven by improved profitability metrics such as return on average assets climbing to 1.33% from 0.94% and return on average tangible common equity surging to 16.36% from 10.16%. The company also demonstrated considerable efficiency gains, with its efficiency ratio improving to 55.73% on a GAAP basis and 52.82% on an adjusted basis in fiscal Q1 2026, compared to 65.51% and 64.43%, respectively, in fiscal Q1 2025. These improvements were attributed to continued realization of cost savings from the integration with The First, which contributed to a $15.4 million linked-quarter decrease in noninterest expense, including a $10.6 million reduction in merger and conversion-related expenses.

2. The company demonstrated robust capital management and shareholder returns through an increased dividend and an expanded stock repurchase program. Renasant's Board of Directors approved a quarterly cash dividend of $0.24 per share for fiscal Q2 2026, representing a $0.01 increase from the previous quarter's dividend of $0.23 per share. Additionally, the company repurchased $75.0 million of common stock in fiscal Q1 2026 at a weighted average price of $39.53, followed by an additional $25.0 million in April 2026 at $38.36 per share. The Board further enhanced shareholder value by authorizing an additional $100.0 million for its stock repurchase program, bringing the total available authorization to approximately $136.8 million as of April 28, 2026.

3. Renasant strengthened its capital structure and financial flexibility through a successful $300 million subordinated notes offering. On May 4, 2026, the company announced the pricing of $300 million aggregate principal amount of 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036, which are intended to qualify as Tier 2 capital for regulatory purposes. This offering, which closed on May 7, 2026, is expected to enhance the company's regulatory capital and provide funding flexibility, including the potential redemption of $40 million of existing 5.50% notes due 2031. This strategic capital action contributes to a more resilient balance sheet and supports the bank's long-term growth initiatives.

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Stock Movement Drivers

Fundamental Drivers

The 12.1% change in RNST stock from 2/28/2026 to 6/20/2026 was primarily driven by a 24.5% change in the company's Total Revenues ($ Mil).
(LTM values as of)22820266202026Change
Stock Price ($)37.1941.6912.1%
Change Contribution By: 
Total Revenues ($ Mil)8741,08924.5%
Net Income Margin (%)16.8%20.9%24.5%
P/E Multiple23.917.1-28.4%
Shares Outstanding (Mil)95941.0%
Cumulative Contribution12.1%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/20/2026
ReturnCorrelation
RNST12.1% 
Market (SPY)9.2%45.3%
Sector (XLF)4.7%67.4%

Fundamental Drivers

The 19.8% change in RNST stock from 11/30/2025 to 6/20/2026 was primarily driven by a 24.5% change in the company's Total Revenues ($ Mil).
(LTM values as of)113020256202026Change
Stock Price ($)34.8041.6919.8%
Change Contribution By: 
Total Revenues ($ Mil)8741,08924.5%
Net Income Margin (%)16.8%20.9%24.5%
P/E Multiple22.417.1-23.5%
Shares Outstanding (Mil)95941.0%
Cumulative Contribution19.8%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/20/2026
ReturnCorrelation
RNST19.8% 
Market (SPY)9.9%33.0%
Sector (XLF)1.3%59.4%

Fundamental Drivers

The 22.6% change in RNST stock from 5/31/2025 to 6/20/2026 was primarily driven by a 62.9% change in the company's Total Revenues ($ Mil).
(LTM values as of)53120256202026Change
Stock Price ($)34.0041.6922.6%
Change Contribution By: 
Total Revenues ($ Mil)6681,08962.9%
Net Income Margin (%)29.6%20.9%-29.2%
P/E Multiple11.017.156.4%
Shares Outstanding (Mil)6494-32.1%
Cumulative Contribution22.6%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/20/2026
ReturnCorrelation
RNST22.6% 
Market (SPY)28.1%39.4%
Sector (XLF)6.7%63.0%

Fundamental Drivers

The 74.1% change in RNST stock from 5/31/2023 to 6/20/2026 was primarily driven by a 128.2% change in the company's P/E Multiple.
(LTM values as of)53120236202026Change
Stock Price ($)23.9441.6974.1%
Change Contribution By: 
Total Revenues ($ Mil)6671,08963.4%
Net Income Margin (%)26.8%20.9%-21.9%
P/E Multiple7.517.1128.2%
Shares Outstanding (Mil)5694-40.2%
Cumulative Contribution74.1%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/20/2026
ReturnCorrelation
RNST74.1% 
Market (SPY)85.7%48.0%
Sector (XLF)77.0%65.7%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
RNST Return15%2%-8%9%1%18%41%
Peers Return25%-19%22%6%42%12%106%
S&P 500 Return27%-19%24%23%16%8%98%

Monthly Win Rates [3]
RNST Win Rate67%33%42%50%50%67% 
Peers Win Rate42%52%53%50%67%53% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
RNST Max Drawdown-28%-31%-37%-16%-29%-17% 
Peers Max Drawdown-17%-32%-32%-23%-21%-20% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, CBC, NU, FITB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/18/2026 (YTD)

How Low Can It Go

EventRNSTS&P 500
2025 US Tariff Shock
  % Loss-25.9%-18.8%
  % Gain to Breakeven35.0%23.1%
  Time to Breakeven81 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-18.8%-9.5%
  % Gain to Breakeven23.2%10.5%
  Time to Breakeven41 days24 days
2023 SVB Regional Banking Crisis
  % Loss-35.9%-6.7%
  % Gain to Breakeven56.0%7.1%
  Time to Breakeven433 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-26.5%-24.5%
  % Gain to Breakeven36.1%32.4%
  Time to Breakeven134 days427 days
2020 COVID-19 Crash
  % Loss-40.2%-33.7%
  % Gain to Breakeven67.3%50.9%
  Time to Breakeven231 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-30.3%-19.2%
  % Gain to Breakeven43.5%23.8%
  Time to Breakeven763 days105 days

Compare to NEWT, ATLO, CBC, NU, FITB

In The Past

Renasant's stock fell -25.9% during the 2025 US Tariff Shock. Such a loss loss requires a 35.0% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventRNSTS&P 500
2025 US Tariff Shock
  % Loss-25.9%-18.8%
  % Gain to Breakeven35.0%23.1%
  Time to Breakeven81 days79 days
2023 SVB Regional Banking Crisis
  % Loss-35.9%-6.7%
  % Gain to Breakeven56.0%7.1%
  Time to Breakeven433 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-26.5%-24.5%
  % Gain to Breakeven36.1%32.4%
  Time to Breakeven134 days427 days
2020 COVID-19 Crash
  % Loss-40.2%-33.7%
  % Gain to Breakeven67.3%50.9%
  Time to Breakeven231 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-30.3%-19.2%
  % Gain to Breakeven43.5%23.8%
  Time to Breakeven763 days105 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-23.1%-17.9%
  % Gain to Breakeven30.0%21.8%
  Time to Breakeven116 days123 days
2008-2009 Global Financial Crisis
  % Loss-62.5%-53.4%
  % Gain to Breakeven166.4%114.4%
  Time to Breakeven1272 days1085 days

Compare to NEWT, ATLO, CBC, NU, FITB

In The Past

Renasant's stock fell -25.9% during the 2025 US Tariff Shock. Such a loss loss requires a 35.0% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Renasant (RNST)

Renasant Corporation (RNST) operates as a regional bank holding company, primarily through its subsidiary, Renasant Bank, offering a comprehensive suite of financial services to both retail and commercial customers. Its core "Community Banks" segment provides traditional banking products, including various checking and savings accounts, alongside a broad spectrum of lending options. These loans cater to business and personal needs, asset-based lending, equipment leasing, and diverse real estate loans covering residential, commercial, and construction projects, supported by modern digital banking services and ATMs.

Beyond its traditional banking services, Renasant diversifies its offerings through two additional key segments. The "Insurance" segment functions as an agency, providing a variety of commercial and personal insurance products sourced from multiple carriers. Concurrently, the "Wealth Management" segment delivers sophisticated fiduciary and investment services, which include the administration and management of trust accounts, financial planning for retirement (such as IRAs and qualified plans), and investment products like annuities and mutual funds, designed to help individuals and corporations manage and grow their assets.

Headquartered in Tupelo, Mississippi, Renasant maintains a significant operational footprint across the Southeastern United States. The company serves its customer base through a network of banking, lending, and mortgage offices, complemented by numerous full-service branches and ATMs. This extensive presence spans across Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee, reflecting a strong regional focus on providing localized financial expertise and services to its communities.

AI Analysis | Feedback

  • Like a smaller, diversified regional bank such as **Truist**, serving the Southeastern U.S.
  • Similar to **PNC Bank** or **U.S. Bank**, but focused on the Southeast and with a more integrated insurance agency business.

AI Analysis | Feedback

  • Deposit Accounts: Offers various checking and savings accounts for individuals and businesses.
  • Lending Services: Provides a wide range of loans including business, personal, mortgage, commercial real estate, construction, and equipment financing.
  • Digital and Treasury Services: Delivers banking convenience through ATMs, online/mobile banking, call centers, and treasury management solutions.
  • Insurance Services: Offers commercial and personal insurance products through its insurance agency.
  • Wealth Management Services: Provides comprehensive wealth management, trust administration, and fiduciary services.
  • Investment Services: Facilitates access to annuities, mutual funds, and other investment products.

AI Analysis | Feedback

Renasant (RNST) serves a diverse customer base, primarily categorized as follows:

  1. Individuals (Retail Customers): This category includes customers seeking personal banking services such as checking and savings accounts, personal loans, 1-4 family mortgages, installment loans, and personal insurance products.
  2. Businesses (Commercial Customers): This category encompasses various companies and organizations utilizing Renasant for business checking and savings accounts, commercial and agricultural loans, equipment financing and leasing, commercial real estate and construction loans, treasury management services, and commercial insurance products.
  3. Wealth Management Clients: This segment caters to both individuals and corporate entities requiring specialized financial services including the administration and management of trust accounts (personal and corporate benefit accounts), investment services (annuities, mutual funds), qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estate management.

AI Analysis | Feedback

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AI Analysis | Feedback

Kevin D. Chapman President and Chief Executive Officer

Kevin D. Chapman was appointed Chief Executive Officer and President of Renasant Corporation and Renasant Bank in May 2025. He previously served as President since May 2023 and as Chief Operating Officer from May 2018 to May 2025. Prior to these roles, Mr. Chapman held various positions at Renasant, including Chief Financial Officer from October 2011 to August 2020, Chief Strategy Officer, Chief Accounting Officer, and Corporate Controller. With over 25 years of experience in the financial services industry, his background encompasses initial public offerings, capital markets, mergers and acquisitions, capital raises, investor relations, and corporate strategy. Before joining Renasant in 2005, Mr. Chapman worked as a Corporate Controller for a large regional bank and as an accountant with Ernst and Young. He holds an M.B.A. and a B.S. in Accounting from Troy University and is a licensed Certified Public Accountant (CPA) in Alabama.

James C. Mabry IV Chief Financial Officer, Senior Executive Vice President

James C. Mabry IV joined Renasant as Executive Vice President and Chief Financial Officer in August 2020, also overseeing the company's mergers and acquisition activities and investor relations. Before his tenure at Renasant, Mr. Mabry was the Executive Vice President of Investor Relations and Mergers/Acquisitions for South State Corporation, a position he held starting in August 2015. Prior to that, he served as a managing director at Keefe, Bruyette and Woods (a Stifel Company), where he was responsible for leading mergers and acquisitions, strategic advisory, and capital markets services for banking companies. Mr. Mabry began his career with KBW in New York in 1983. He earned his Bachelor of Arts from UNC Charlotte and an MBA from UNC Kenan-Flagler.

C. Mitchell Waycaster Executive Vice Chairman

C. Mitchell Waycaster transitioned from his role as Chief Executive Officer in May 2025 and continues to serve as Executive Vice Chairman for both Renasant Corporation and Renasant Bank. In his current capacity, he remains engaged in strategic planning, investor relations, mergers and acquisitions, and provides guidance and board-level oversight for the company.

Kelly W. Hutcheson Chief Accounting Officer, Executive Vice President

Kelly W. Hutcheson serves as Chief Accounting Officer and Executive Vice President. She previously held the role of Comptroller/Controller/Auditor as of February 2017.

Curtis J. Perry Chief Corporate Banking Officer, Executive Vice President

Curtis J. Perry is the Chief Corporate Banking Officer and Executive Vice President at Renasant. He is identified as an Executive Vice President with the company.

AI Analysis | Feedback

The key risks to Renasant Corporation's business, a regional bank operating in the southeastern U.S. with community banking, wealth management, and insurance services, are primarily concentrated in its loan portfolio, recent acquisition integration, and interest rate sensitivity.

  1. Concentration in Commercial Real Estate (CRE) Loans and Credit Risk: Renasant's loan portfolio exhibits a significant concentration in commercial and real estate credit, with approximately 75.10% of its loans in commercial & industrial (C&I), construction, and commercial real estate, including specific concentrations in non-owner-occupied commercial real estate and construction. This high exposure makes the company vulnerable to regional economic downturns, declining property values, and rising delinquencies within the CRE sector, particularly for office and multifamily properties. The company's criticized loan ratio has increased, indicating a worsening trend in asset quality.

  2. Integration Risks from Acquisition and Material Weakness in Internal Control: Renasant recently completed a merger with The First Bancshares, Inc., which expands its footprint but introduces integration challenges. These risks include potential difficulties in integrating operations and differing corporate cultures, which could prevent the realization of anticipated merger benefits. Furthermore, Renasant has identified a material weakness in its internal control over financial reporting directly linked to the acquisition, raising concerns about the accuracy and reliability of financial statements and potentially leading to increased regulatory scrutiny.

  3. Interest Rate Risk and Deposit Pricing Pressures: As a financial institution heavily reliant on interest income, Renasant is exposed to fluctuations in interest rates. Changes in the interest rate environment can negatively impact the company's net interest margin and overall profitability. Specifically, the bank has experienced deposit pricing pressures, leading to increased costs for its funding sources, which can further squeeze net interest income.

AI Analysis | Feedback

The following are clear emerging threats for Renasant:

  • Rise of Digital-Only Banks and Fintech Platforms: Digital-first banks (neobanks) and specialized fintech companies offering lending, payment, and deposit services are increasingly attracting customers seeking convenience, specific digital features, and potentially lower fees or higher interest rates. These nimble competitors, unburdened by legacy infrastructure and extensive physical branch networks like Renasant's, can erode market share from traditional community banks in core services such as checking accounts, savings accounts, and personal/small business loans.
  • Entry of Large Technology Companies into Core Financial Services: Major technology companies, leveraging their extensive user bases, brand loyalty, and technological prowess, are expanding their offerings into traditional banking products. Recent examples include high-yield savings accounts and integrated payment solutions offered by companies like Apple. These tech giants possess the potential to attract significant deposits and transaction volumes away from established banks, posing a formidable competitive threat to Renasant's deposit base and payment-related services.
  • Growth of Robo-Advisors and Low-Cost Digital Wealth Management: The wealth management industry is experiencing disruption from automated, low-cost investment platforms known as robo-advisors (e.g., Betterment, Wealthfront). These services provide automated portfolio management and financial planning at significantly lower fees than traditional advisory services. This trend directly threatens Renasant's Wealth Management segment by offering an alternative for clients, particularly those with smaller to mid-sized portfolios, who might otherwise utilize Renasant's trust administration, investment, and fiduciary services.

AI Analysis | Feedback

Renasant Corporation operates in several financial market segments within the U.S., including community banking, insurance, and wealth management. The addressable markets for its main products and services in the United States are sizable.

Community Banking Segment

  • The U.S. community banking market was valued at approximately USD 6.35 billion in 2024. Another estimate indicates the Community Banking Market was valued at USD 16.76 billion in 2024.
  • The broader U.S. retail banking market generated revenue of USD 454.3 billion in 2024 and is projected to reach USD 678.3 billion by 2033.
  • The U.S. commercial banking market is estimated at USD 226.44 billion in 2024 and is expected to grow to USD 269.28 billion by 2029.

Insurance Segment

  • The total U.S. insurance industry recorded net premiums written of USD 1.7 trillion in 2024. This market is anticipated to exceed USD 3.71 trillion by 2033.
  • For the U.S. property/casualty (P/C) insurance sector, direct premiums written by line rose to USD 1.06 trillion in 2024.
  • Aggregated direct premiums for commercial business lines in the U.S. grew to USD 502.35 billion in 2024.
  • Personal lines insurance, which is the largest component of the U.S. P/C insurance sector, comprised more than 54% of the industry's net written premiums in 2024. Based on total P/C direct premiums of USD 1.06 trillion, this would equate to approximately USD 572.4 billion.

Wealth Management Segment

  • Revenues generated from fee-based advisory relationships within the U.S. wealth management industry reached an estimated USD 260 billion in 2024.
  • The total assets under management (AUM) for the U.S. investment adviser industry grew from USD 128.4 trillion to USD 144.6 trillion in 2024.
  • The U.S. trust and corporate services market is estimated at USD 2.2 billion in 2024.
  • Sales of annuities in the United States grew by 12% in 2024, reaching USD 432.4 billion.

AI Analysis | Feedback

Renasant Corporation (RNST) is expected to drive future revenue growth over the next 2-3 years through several key strategies:

  1. Organic Loan Growth: Renasant consistently emphasizes and has demonstrated strong organic loan growth across various markets and segments. For instance, the company reported solid loan growth in recent quarters, with Q1 2024 showing $149 million in loan growth (annualized approximately 5%) and Q1 2025 reporting $171 million in loan growth (annualized 5.4%). This ongoing focus on expanding its loan portfolio is a fundamental driver of increased interest income.
  2. Strategic Acquisitions and Market Expansion: The successful acquisition and integration of The First Bancshares, Inc. in April 2025 significantly expanded Renasant's geographic footprint and customer base, enhancing its product offerings. The company's strategic plan includes entering new markets to increase market share and diversify revenue.
  3. Expansion of Product Offerings and Noninterest Income: Renasant is focused on expanding its product offerings, including specialized lending services like asset-based lending and factoring, which contribute to revenue diversification. Additionally, the company aims to grow noninterest income, with fee-based services such as trust, mortgage, and other fee income sources demonstrating performance that has surpassed projections.
  4. Net Interest Margin (NIM) Expansion through Effective Deposit Cost Management: Renasant actively manages its funding costs by focusing on growing core deposits and reducing reliance on higher-cost funding sources. This strategy has led to net interest margin expansion, with reported increases in NIM due to declining deposit costs in recent quarters, which directly boosts net interest income.

AI Analysis | Feedback

Share Repurchases

  • Renasant announced a $100 million stock repurchase program in October 2023, which remained in effect through October 2024.
  • A new $100 million stock repurchase program was approved in October 2024, replacing the previous one, and is authorized for one year or until fully utilized.
  • In October 2025, the company announced a $150 million stock buyback plan, effective for 12 months or until the authorization is consumed.

Share Issuance

  • In July 2024, Renasant completed a public offering of 7,187,500 shares of its common stock at $32.00 per share, including the underwriters' full exercise of their option to purchase additional shares.
  • The aggregate gross proceeds from this offering were $230.0 million, with net proceeds of approximately $217.0 million after deducting underwriting discounts and other estimated offering expenses.
  • The net proceeds from the July 2024 offering were intended for general corporate purposes, including supporting the growth of Renasant Bank and potential strategic acquisitions.

Outbound Investments

  • In July 2024, Renasant announced a definitive agreement to merge with The First Bancshares, Inc., in an all-stock transaction valued at approximately $1.2 billion, which was expected to close in the first half of 2025.
  • This merger was projected to create a six-state Southeastern banking franchise with approximately $25 billion in total assets.
  • Renasant completed the sale of its insurance agency, Renasant Insurance, to a large regional insurance provider in 2024.

Capital Expenditures

  • Renasant's capital expenditures were $31 million in 2021, $28 million in 2022, $11 million in 2023, $14 million in 2024, and $21 million in 2025.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

RNSTNEWTATLOCBCNUFITBMedian
NameRenasant NewtekOneAmes Nat.Central .Nu Fifth Th. 
Mkt Price41.6913.9129.4628.2312.7152.7428.84
Mkt Cap3.90.40.3339.261.743.523.7
Rev LTM1,089272701,00011,9159,4611,045
Op Inc LTM-------
FCF LTM286-776224578681,437372
FCF 3Y Avg189-34817-1,7122,583189
CFO LTM321-776234911,2012,175406
CFO 3Y Avg211-34819-1,9523,140211

Growth & Margins

RNSTNEWTATLOCBCNUFITBMedian
NameRenasant NewtekOneAmes Nat.Central .Nu Fifth Th. 
Rev Chg LTM62.9%10.5%21.7%-39.5%13.9%21.7%
Rev Chg 3Y Avg21.2%32.1%5.4%-51.8%3.9%21.2%
Rev Chg Q60.5%8.0%17.8%-57.2%30.3%30.3%
QoQ Delta Rev Chg LTM10.5%1.9%4.1%-12.1%7.3%7.3%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM29.5%-285.4%32.5%49.1%10.1%23.0%26.3%
CFO/Rev 3Y Avg26.2%-134.4%31.4%-22.3%36.7%26.2%
FCF/Rev LTM26.3%-285.4%31.2%45.7%7.3%15.2%20.7%
FCF/Rev 3Y Avg23.5%-134.5%28.6%-19.6%30.4%23.5%

Valuation

RNSTNEWTATLOCBCNUFITBMedian
NameRenasant NewtekOneAmes Nat.Central .Nu Fifth Th. 
Mkt Cap3.90.40.3339.261.743.523.7
P/S3.61.53.7339.15.24.64.2
P/Op Inc-------
P/EBIT-------
P/E17.16.112.1903.719.420.018.3
P/CFO12.2-0.511.6691.251.420.016.1
Total Yield8.0%16.3%11.1%0.1%5.2%5.0%6.6%
Dividend Yield2.2%0.0%2.9%0.0%0.0%0.0%0.0%
FCF Yield 3Y Avg7.9%-113.9%9.0%-3.3%9.4%7.9%
D/E0.21.40.10.00.00.40.1
Net D/E-0.70.4-1.9-0.0-0.5-1.1-0.6

Returns

RNSTNEWTATLOCBCNUFITBMedian
NameRenasant NewtekOneAmes Nat.Central .Nu Fifth Th. 
1M Rtn1.8%4.7%3.2%-0.6%-3.4%7.3%2.5%
3M Rtn20.5%23.9%11.3%21.1%-8.8%20.4%20.4%
6M Rtn14.6%17.5%28.8%21.7%-22.2%12.2%16.1%
12M Rtn23.8%43.1%77.9%47.9%4.7%38.9%41.0%
3Y Rtn57.9%-1.9%84.2%99.8%64.9%124.1%74.5%
1M Excs Rtn3.4%6.2%4.6%0.8%1.4%8.8%4.0%
3M Excs Rtn7.4%7.3%-3.5%5.9%-23.8%8.4%6.6%
6M Excs Rtn4.3%8.5%16.0%12.8%-31.8%2.5%6.4%
12M Excs Rtn-0.9%17.6%54.1%23.3%-20.3%18.0%17.8%
3Y Excs Rtn-21.2%-67.2%8.3%28.2%-3.1%51.2%2.6%

Comparison Analyses

null

FDIC Bank Data

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Community Banks983711621613633
Wealth Management3526252824
Insurance07141212
Other-33-29-28-22-17
Total986716632631651


Operating Income by Segment
$ Mil20142013201220112010
Community Banks86463434 
Insurance3111-40
Wealth Management2122 
Other-5-3-3-31
Community Banks Alabama    9
Community Banks Mississippi    40
Community Banks Tennessee    37
Total8646333547


Net Income by Segment
$ Mil20252024202320222021
Community Banks197208157172180
Wealth Management107697
Insurance02433
Other-26-22-22-18-14
Total181195145166176


Assets by Segment
$ Mil20252024202320222021
Community Banks26,73918,03317,31416,88316,695
Wealth Management8377565
Other4-2-0-717
Insurance00403834
Total26,75118,03517,36116,98816,810


Price Behavior

Price Behavior
Market Price$41.69 
Market Cap ($ Bil)3.9 
First Trading Date04/24/1992 
Distance from 52W High-2.1% 
   50 Days200 Days
DMA Price$40.15$37.19
DMA Trendupup
Distance from DMA3.8%12.1%
 3M1YR
Volatility22.5%26.7%
Downside Capture52.6072.41
Upside Capture89.8977.22
Correlation (SPY)40.8%38.1%
RNST Betas & Captures as of 5/31/2026

 1M2M3M6M1Y3Y
Beta1.271.150.890.750.951.04
Up Beta2.561.320.921.121.371.11
Down Beta0.690.910.760.580.920.96
Up Capture73%92%89%73%71%103%
Bmk +ve Days13283667141432
Stock +ve Days9223465123360
Down Capture134%135%94%59%88%102%
Bmk -ve Days7132757109318
Stock -ve Days11182857124387

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with RNST
RNST24.6%26.6%0.80-
Sector ETF (XLF)8.3%14.6%0.3362.6%
Equity (SPY)26.5%12.4%1.6138.1%
Gold (GLD)24.2%27.5%0.779.1%
Commodities (DBC)19.8%18.8%0.83-13.4%
Real Estate (VNQ)11.0%13.7%0.5243.5%
Bitcoin (BTCUSD)-40.0%42.5%-1.0821.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with RNST
RNST2.4%31.2%0.12-
Sector ETF (XLF)9.3%18.6%0.3765.9%
Equity (SPY)13.5%17.1%0.6249.7%
Gold (GLD)17.1%18.3%0.760.4%
Commodities (DBC)7.5%19.4%0.299.4%
Real Estate (VNQ)1.9%18.9%0.0048.5%
Bitcoin (BTCUSD)11.0%54.2%0.4019.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with RNST
RNST4.6%32.8%0.22-
Sector ETF (XLF)13.0%22.2%0.5472.7%
Equity (SPY)15.3%18.0%0.7355.4%
Gold (GLD)12.3%16.1%0.63-7.4%
Commodities (DBC)5.9%18.0%0.2617.9%
Real Estate (VNQ)5.3%20.7%0.2249.7%
Bitcoin (BTCUSD)60.0%66.8%1.0013.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date5292026
Short Interest: Shares Quantity5.3 Mil
Short Interest: % Change Since 51520268.3%
Average Daily Volume0.7 Mil
Days-to-Cover Short Interest7.5 days
Basic Shares Quantity93.7 Mil
Short % of Basic Shares5.6%

Earnings Returns History

Updated 6/2/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/28/2026-0.3%0.0%1.9%
1/27/20263.0%3.3%7.3%
10/28/2025-3.8%-3.4%1.6%
7/22/2025-2.7%-2.1%-1.2%
4/22/20258.7%13.1%21.3%
1/28/20251.1%3.7%-4.3%
10/22/20245.4%6.2%12.0%
7/23/2024-2.2%-6.5%-11.0%
...
SUMMARY STATS   
# Positive131314
# Negative111110
Median Positive2.3%3.7%7.5%
Median Negative-2.2%-3.4%-3.8%
Max Positive8.7%13.6%21.3%
Max Negative-4.6%-6.5%-11.0%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/28/2026-0.3%0.0%1.9%
1/27/20263.0%3.3%7.3%
10/28/2025-3.8%-3.4%1.6%
7/22/2025-2.7%-2.1%-1.2%
4/22/20258.7%13.1%21.3%
1/28/20251.1%3.7%-4.3%
10/22/20245.4%6.2%12.0%
7/23/2024-2.2%-6.5%-11.0%
4/23/20240.5%-4.8%0.7%
1/23/20240.7%3.8%-4.2%
10/24/20232.7%2.1%15.7%
7/25/20236.3%2.9%-4.9%
4/25/20231.3%-3.4%-1.1%
1/24/2023-4.6%-1.6%1.9%
10/25/20221.2%13.6%15.7%
7/26/20224.6%3.8%7.8%
4/26/2022-1.0%-2.0%-1.4%
1/25/2022-2.9%-5.9%-9.8%
10/28/2021-2.1%1.2%-3.4%
7/27/2021-3.2%-3.9%-2.6%
4/27/2021-1.7%4.1%2.6%
1/26/20211.2%-6.5%4.0%
10/27/2020-0.8%3.7%12.4%
7/27/20202.3%-0.8%10.1%
SUMMARY STATS   
# Positive131314
# Negative111110
Median Positive2.3%3.7%7.5%
Median Negative-2.2%-3.4%-3.8%
Max Positive8.7%13.6%21.3%
Max Negative-4.6%-6.5%-11.0%

SEC Filings

Expand for More
Report DateFiling DateFiling
03/31/202605/07/202610-Q
12/31/202503/02/202610-K
09/30/202511/07/202510-Q
06/30/202508/06/202510-Q
03/31/202505/08/202510-Q
12/31/202402/26/202510-K
09/30/202411/06/202410-Q
06/30/202408/07/202410-Q
03/31/202405/08/202410-Q
12/31/202302/23/202410-K
09/30/202311/08/202310-Q
06/30/202308/04/202310-Q
03/31/202305/08/202310-Q
12/31/202202/24/202310-K
09/30/202211/04/202210-Q
06/30/202208/08/202210-Q
Collapse to Preview
Report DateFiling DateFiling
03/31/202605/07/202610-Q
12/31/202503/02/202610-K
09/30/202511/07/202510-Q
06/30/202508/06/202510-Q
03/31/202505/08/202510-Q
12/31/202402/26/202510-K
09/30/202411/06/202410-Q
06/30/202408/07/202410-Q
03/31/202405/08/202410-Q
12/31/202302/23/202410-K
09/30/202311/08/202310-Q
06/30/202308/04/202310-Q
03/31/202305/08/202310-Q
12/31/202202/24/202310-K
09/30/202211/04/202210-Q
06/30/202208/08/202210-Q
03/31/202205/06/202210-Q
12/31/202102/25/202210-K
09/30/202111/05/202110-Q
06/30/202108/06/202110-Q
03/31/202105/07/202110-Q
12/31/202002/26/202110-K
09/30/202011/09/202010-Q
06/30/202008/05/202010-Q
03/31/202005/07/202010-Q
12/31/201902/27/202010-K
09/30/201911/07/201910-Q
06/30/201908/07/201910-Q

Insider Activity

Updated 6/9/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Engel, Connie L DirectSell609202640.901,25751,410631,850Form
2Dale, Albert J Iii DirectSell521202639.801,65065,6621,594,785Form
3Waycaster, C MitchellExecutive Vice ChairmanDirectSell515202639.5012,704501,8087,237,782Form
4Hutcheson, KellyEVP/Chief Accounting OfficerDirectSell305202638.651,35052,179646,552Form
5Cole, M Ray JRSEVP and Executive AdvisorDirectSell213202640.6318,940769,4474,069,496Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Engel, Connie L DirectSell609202640.901,25751,410631,850Form
2Dale, Albert J Iii DirectSell521202639.801,65065,6621,594,785Form
3Waycaster, C MitchellExecutive Vice ChairmanDirectSell515202639.5012,704501,8087,237,782Form
4Hutcheson, KellyEVP/Chief Accounting OfficerDirectSell305202638.651,35052,179646,552Form
5Cole, M Ray JRSEVP and Executive AdvisorDirectSell213202640.6318,940769,4474,069,496Form
6Cole, M Ray JRSEVP and Executive AdvisorSpouse IRASell213202640.631,060  Form
7Mabry, James C IVEVP and CFODirectSell202202637.8312,500472,9323,985,383Form
8Levy, Jonathan A DirectBuy1112202534.792,00069,578357,838Form
9Levy, Jonathan A DirectBuy804202535.642,00071,289295,349Form
Core Cache Last Updated: 6/20/2026