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RENASANT CORP (RNST) Stock Fundamental Analysis

NYSE:RNST - New York Stock Exchange, Inc. - US75970E1073 - Common Stock - Currency: USD

35.52  -1.12 (-3.06%)

After market: 35.52 0 (0%)

Fundamental Rating

4

Overall RNST gets a fundamental rating of 4 out of 10. We evaluated RNST against 392 industry peers in the Banks industry. There are concerns on the financial health of RNST while its profitability can be described as average. RNST is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year RNST was profitable.
RNST had a positive operating cash flow in the past year.
Each year in the past 5 years RNST has been profitable.
RNST had a positive operating cash flow in each of the past 5 years.
RNST Yearly Net Income VS EBIT VS OCF VS FCFRNST Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.08%, RNST is in the better half of the industry, outperforming 72.45% of the companies in the same industry.
The Return On Equity of RNST (7.24%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.08%
ROE 7.24%
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
RNST Yearly ROA, ROE, ROICRNST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

RNST has a Profit Margin of 27.37%. This is in the better half of the industry: RNST outperforms 72.96% of its industry peers.
In the last couple of years the Profit Margin of RNST has remained more or less at the same level.
RNST does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.37%
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
RNST Yearly Profit, Operating, Gross MarginsRNST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

RNST does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RNST has been increased compared to 1 year ago.
Compared to 5 years ago, RNST has more shares outstanding
RNST has a better debt/assets ratio than last year.
RNST Yearly Shares OutstandingRNST Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
RNST Yearly Total Debt VS Total AssetsRNST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

The Debt to FCF ratio of RNST is 2.84, which is a good value as it means it would take RNST, 2.84 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.84, RNST is not doing good in the industry: 61.99% of the companies in the same industry are doing better.
RNST has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.16, RNST is in line with its industry, outperforming 53.32% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 2.84
Altman-Z N/A
ROIC/WACCN/A
WACC15.13%
RNST Yearly LT Debt VS Equity VS FCFRNST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RNST Yearly Current Assets VS Current LiabilitesRNST Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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6

3. Growth

3.1 Past

The earnings per share for RNST have decreased by -2.46% in the last year.
Measured over the past years, RNST shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.18% on average per year.
RNST shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.20%.
The Revenue has been growing slightly by 3.70% on average over the past years.
EPS 1Y (TTM)-2.46%
EPS 3Y-2.19%
EPS 5Y-1.18%
EPS Q2Q%0%
Revenue 1Y (TTM)13.2%
Revenue growth 3Y3.22%
Revenue growth 5Y3.7%
Sales Q2Q%63.13%

3.2 Future

RNST is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.08% yearly.
Based on estimates for the next years, RNST will show a very strong growth in Revenue. The Revenue will grow by 28.67% on average per year.
EPS Next Y5.31%
EPS Next 2Y12.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year46.79%
Revenue Next 2Y28.67%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
RNST Yearly Revenue VS EstimatesRNST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
RNST Yearly EPS VS EstimatesRNST Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.78, the valuation of RNST can be described as correct.
RNST's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.82. RNST is valued rather cheaply when compared to this.
RNST is valuated reasonably with a Price/Forward Earnings ratio of 10.21.
RNST's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of RNST to the average of the S&P500 Index (36.21), we can say RNST is valued rather cheaply.
Industry RankSector Rank
PE 12.78
Fwd PE 10.21
RNST Price Earnings VS Forward Price EarningsRNST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, RNST is valued a bit more expensive than 75.26% of the companies in the same industry.
Industry RankSector Rank
P/FCF 21.72
EV/EBITDA N/A
RNST Per share dataRNST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
RNST's earnings are expected to grow with 12.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.4
PEG (5Y)N/A
EPS Next 2Y12.08%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.40%, RNST has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.50, RNST is paying slightly less dividend.
RNST's Dividend Yield is comparable with the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 2.4%

5.2 History

The dividend of RNST has a limited annual growth rate of 0.45%.
RNST has paid a dividend for at least 10 years, which is 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
RNST Yearly Dividends per shareRNST Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

28.01% of the earnings are spent on dividend by RNST. This is a low number and sustainable payout ratio.
The dividend of RNST is growing, but earnings are growing more, so the dividend growth is sustainable.
DP28.01%
EPS Next 2Y12.08%
EPS Next 3YN/A
RNST Yearly Income VS Free CF VS DividendRNST Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
RNST Dividend Payout.RNST Dividend Payout, showing the Payout Ratio.RNST Dividend Payout.PayoutRetained Earnings

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RENASANT CORP

NYSE:RNST (8/1/2025, 8:04:01 PM)

After market: 35.52 0 (0%)

35.52

-1.12 (-3.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners69.43%
Inst Owner Change0.27%
Ins Owners1.92%
Ins Owner Change6.22%
Market Cap3.37B
Analysts81.67
Price Target40.46 (13.91%)
Short Float %3.84%
Short Ratio6.43
Dividend
Industry RankSector Rank
Dividend Yield 2.4%
Yearly Dividend0.9
Dividend Growth(5Y)0.45%
DP28.01%
Div Incr Years0
Div Non Decr Years31
Ex-Date06-16 2025-06-16 (0.22)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.67%
Min EPS beat(2)5.04%
Max EPS beat(2)18.3%
EPS beat(4)4
Avg EPS beat(4)8.78%
Min EPS beat(4)2.61%
Max EPS beat(4)18.3%
EPS beat(8)8
Avg EPS beat(8)8.68%
EPS beat(12)9
Avg EPS beat(12)6.65%
EPS beat(16)12
Avg EPS beat(16)5.11%
Revenue beat(2)0
Avg Revenue beat(2)-1.94%
Min Revenue beat(2)-2.15%
Max Revenue beat(2)-1.73%
Revenue beat(4)1
Avg Revenue beat(4)4.34%
Min Revenue beat(4)-3.28%
Max Revenue beat(4)24.5%
Revenue beat(8)1
Avg Revenue beat(8)-2.42%
Revenue beat(12)3
Avg Revenue beat(12)-1.28%
Revenue beat(16)3
Avg Revenue beat(16)-2.39%
PT rev (1m)0%
PT rev (3m)-4.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.34%
EPS NY rev (1m)0%
EPS NY rev (3m)4.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)0.59%
Revenue NY rev (3m)1.22%
Valuation
Industry RankSector Rank
PE 12.78
Fwd PE 10.21
P/S 4.68
P/FCF 21.72
P/OCF 19.79
P/B 1.24
P/tB 2.04
EV/EBITDA N/A
EPS(TTM)2.78
EY7.83%
EPS(NY)3.48
Fwd EY9.8%
FCF(TTM)1.64
FCFY4.6%
OCF(TTM)1.79
OCFY5.05%
SpS7.6
BVpS28.7
TBVpS17.39
PEG (NY)2.4
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.08%
ROE 7.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.37%
GM N/A
FCFM 21.52%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 2.84
Debt/EBITDA N/A
Cap/Depr 46.6%
Cap/Sales 2.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 78.64%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.13%
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)-2.46%
EPS 3Y-2.19%
EPS 5Y-1.18%
EPS Q2Q%0%
EPS Next Y5.31%
EPS Next 2Y12.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.2%
Revenue growth 3Y3.22%
Revenue growth 5Y3.7%
Sales Q2Q%63.13%
Revenue Next Year46.79%
Revenue Next 2Y28.67%
Revenue Next 3YN/A
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 1Y-54.28%
FCF growth 3Y-1.78%
FCF growth 5Y-2.08%
OCF growth 1Y-52.74%
OCF growth 3Y-3.2%
OCF growth 5Y-4.58%