RENASANT CORP (RNST) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RNST - US75970E1073 - Common Stock
36.35 USD
+1.01 (+2.86%)
36.35 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to RNST. RNST was compared to 383 industry peers in the Banks industry. RNST has a bad profitability rating. Also its financial health evaluation is rather negative. RNST is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year RNST was profitable.
- RNST had a positive operating cash flow in the past year.
- RNST had positive earnings in each of the past 5 years.
- RNST had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- RNST has a Return On Assets of 0.55%. This is in the lower half of the industry: RNST underperforms 74.67% of its industry peers.
- With a Return On Equity value of 3.84%, RNST is not doing good in the industry: 82.25% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 3.84% | ||
| ROIC | N/A |
ROA(3y)0.96%
ROA(5y)0.9%
ROE(3y)7.12%
ROE(5y)6.65%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 16.82%, RNST is doing worse than 73.37% of the companies in the same industry.
- In the last couple of years the Profit Margin of RNST has remained more or less at the same level.
- The Operating Margin and Gross Margin are not available for RNST so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.82% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.35%
PM growth 5Y-0.55%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- RNST does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, RNST has more shares outstanding
- The number of shares outstanding for RNST has been increased compared to 5 years ago.
- The debt/assets ratio for RNST has been reduced compared to a year ago.
2.2 Solvency
- RNST has a debt to FCF ratio of 2.54. This is a good value and a sign of high solvency as RNST would need 2.54 years to pay back of all of its debts.
- RNST has a Debt to FCF ratio (2.54) which is in line with its industry peers.
- A Debt/Equity ratio of 0.15 indicates that RNST is not too dependend on debt financing.
- With a Debt to Equity ratio value of 0.15, RNST perfoms like the industry average, outperforming 55.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 2.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 1.79% over the past year.
- RNST shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.18% yearly.
- RNST shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.82%.
- Measured over the past years, RNST shows a small growth in Revenue. The Revenue has been growing by 3.70% on average per year.
EPS 1Y (TTM)1.79%
EPS 3Y-2.19%
EPS 5Y-1.18%
EPS Q2Q%10%
Revenue 1Y (TTM)25.82%
Revenue growth 3Y3.22%
Revenue growth 5Y3.7%
Sales Q2Q%22.36%
3.2 Future
- The Earnings Per Share is expected to grow by 11.41% on average over the next years. This is quite good.
- Based on estimates for the next years, RNST will show a very strong growth in Revenue. The Revenue will grow by 20.66% on average per year.
EPS Next Y4.74%
EPS Next 2Y13.41%
EPS Next 3Y11.41%
EPS Next 5YN/A
Revenue Next Year48.55%
Revenue Next 2Y29.64%
Revenue Next 3Y20.66%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 12.75, which indicates a correct valuation of RNST.
- The rest of the industry has a similar Price/Earnings ratio as RNST.
- When comparing the Price/Earnings ratio of RNST to the average of the S&P500 Index (27.33), we can say RNST is valued rather cheaply.
- With a Price/Forward Earnings ratio of 10.20, the valuation of RNST can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of RNST is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of RNST to the average of the S&P500 Index (24.12), we can say RNST is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.75 | ||
| Fwd PE | 10.2 |
4.2 Price Multiples
- RNST's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. RNST is more expensive than 64.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.69
PEG (5Y)N/A
EPS Next 2Y13.41%
EPS Next 3Y11.41%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.52%, RNST has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.89, RNST has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.91, RNST pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
5.2 History
- The dividend of RNST has a limited annual growth rate of 0.45%.
- RNST has been paying a dividend for at least 10 years, so it has a reliable track record.
- RNST has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.45%
Div Incr Years0
Div Non Decr Years31
5.3 Sustainability
- RNST pays out 48.14% of its income as dividend. This is a bit on the high side, but may be sustainable.
- RNST's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP48.14%
EPS Next 2Y13.41%
EPS Next 3Y11.41%
36.35
+1.01 (+2.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)01-27 2026-01-27/amc
Inst Owners89.57%
Inst Owner Change0.48%
Ins Owners1.86%
Ins Owner Change3.24%
Market Cap3.45B
Revenue(TTM)874.50M
Net Income(TTM)147.07M
Analysts83.08
Price Target43.28 (19.06%)
Short Float %3.69%
Short Ratio6.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
Yearly Dividend0.9
Dividend Growth(5Y)0.45%
DP48.14%
Div Incr Years0
Div Non Decr Years31
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.61%
Min EPS beat(2)-4.16%
Max EPS beat(2)7.38%
EPS beat(4)3
Avg EPS beat(4)6.64%
Min EPS beat(4)-4.16%
Max EPS beat(4)18.3%
EPS beat(8)7
Avg EPS beat(8)7.14%
EPS beat(12)9
Avg EPS beat(12)6.03%
EPS beat(16)12
Avg EPS beat(16)5.61%
Revenue beat(2)0
Avg Revenue beat(2)-1.97%
Min Revenue beat(2)-3.18%
Max Revenue beat(2)-0.76%
Revenue beat(4)0
Avg Revenue beat(4)-1.95%
Min Revenue beat(4)-3.18%
Max Revenue beat(4)-0.76%
Revenue beat(8)1
Avg Revenue beat(8)0.02%
Revenue beat(12)1
Avg Revenue beat(12)-2.25%
Revenue beat(16)3
Avg Revenue beat(16)-1.76%
PT rev (1m)0%
PT rev (3m)0.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.81%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.75 | ||
| Fwd PE | 10.2 | ||
| P/S | 3.95 | ||
| P/FCF | 15.5 | ||
| P/OCF | 13.47 | ||
| P/B | 0.9 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY7.84%
EPS(NY)3.56
Fwd EY9.8%
FCF(TTM)2.35
FCFY6.45%
OCF(TTM)2.7
OCFY7.42%
SpS9.2
BVpS40.26
TBVpS23.08
PEG (NY)2.69
PEG (5Y)N/A
Graham Number50.81
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 3.84% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.82% | ||
| GM | N/A | ||
| FCFM | 25.48% |
ROA(3y)0.96%
ROA(5y)0.9%
ROE(3y)7.12%
ROE(5y)6.65%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.35%
PM growth 5Y-0.55%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 2.54 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 154.93% | ||
| Cap/Sales | 3.84% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 151.53% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC14.96%
ROIC/WACCN/A
Cap/Depr(3y)46.11%
Cap/Depr(5y)52.67%
Cap/Sales(3y)2.56%
Cap/Sales(5y)3.02%
Profit Quality(3y)161.21%
Profit Quality(5y)123.5%
High Growth Momentum
Growth
EPS 1Y (TTM)1.79%
EPS 3Y-2.19%
EPS 5Y-1.18%
EPS Q2Q%10%
EPS Next Y4.74%
EPS Next 2Y13.41%
EPS Next 3Y11.41%
EPS Next 5YN/A
Revenue 1Y (TTM)25.82%
Revenue growth 3Y3.22%
Revenue growth 5Y3.7%
Sales Q2Q%22.36%
Revenue Next Year48.55%
Revenue Next 2Y29.64%
Revenue Next 3Y20.66%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y61.25%
FCF growth 3Y-1.78%
FCF growth 5Y-2.08%
OCF growth 1Y61.27%
OCF growth 3Y-3.2%
OCF growth 5Y-4.58%
RENASANT CORP / RNST FAQ
What is the ChartMill fundamental rating of RENASANT CORP (RNST) stock?
ChartMill assigns a fundamental rating of 3 / 10 to RNST.
What is the valuation status for RNST stock?
ChartMill assigns a valuation rating of 3 / 10 to RENASANT CORP (RNST). This can be considered as Overvalued.
What is the profitability of RNST stock?
RENASANT CORP (RNST) has a profitability rating of 2 / 10.
What is the expected EPS growth for RENASANT CORP (RNST) stock?
The Earnings per Share (EPS) of RENASANT CORP (RNST) is expected to grow by 4.74% in the next year.
Can you provide the dividend sustainability for RNST stock?
The dividend rating of RENASANT CORP (RNST) is 6 / 10 and the dividend payout ratio is 48.14%.