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RENASANT CORP (RNST) Stock Fundamental Analysis

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

38.14  +0.28 (+0.74%)

After market: 38.14 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to RNST. RNST was compared to 395 industry peers in the Banks industry. RNST has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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

RNST had positive earnings in the past year.
In the past year RNST had a positive cash flow from operations.
In the past 5 years RNST has always been profitable.
In the past 5 years RNST always reported a positive cash flow from operatings.
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

RNST's Return On Assets of 1.08% is fine compared to the rest of the industry. RNST outperforms 71.65% of its industry peers.
RNST has a Return On Equity (7.24%) which 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

The Profit Margin of RNST (27.37%) is better than 72.66% of its industry peers.
RNST's Profit Margin has been stable in the last couple of years.
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.
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.
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: 62.28% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.16 indicates that RNST is not too dependend on debt financing.
RNST's Debt to Equity ratio of 0.16 is in line compared to the rest of the industry. RNST outperforms 53.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 2.84
Altman-Z N/A
ROIC/WACCN/A
WACC15.15%
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 -7.02% 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 15.68%.
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)-7.02%
EPS 3Y-2.19%
EPS 5Y-1.18%
EPS Q2Q%1.54%
Revenue 1Y (TTM)15.68%
Revenue growth 3Y3.22%
Revenue growth 5Y3.7%
Sales Q2Q%3.6%

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 Year45.93%
Revenue Next 2Y28.67%
Revenue Next 3YN/A
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.
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 13.72, the valuation of RNST can be described as correct.
RNST's Price/Earnings ratio is in line with the industry average.
RNST is valuated cheaply when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.96, 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.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.90, RNST is valued a bit cheaper.
Industry RankSector Rank
PE 13.72
Fwd PE 10.96
RNST Price Earnings VS Forward Price EarningsRNST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

76.20% of the companies in the same industry are cheaper than RNST, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 23.33
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 RNST does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as RNST's earnings are expected to grow with 12.08% in the coming years.
PEG (NY)2.58
PEG (5Y)N/A
EPS Next 2Y12.08%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

RNST has a Yearly Dividend Yield of 2.42%.
Compared to an average industry Dividend Yield of 3.47, RNST is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.42, RNST has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.42%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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.
RNST's earnings are growing more than its dividend. This makes the dividend growth 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 (7/3/2025, 8:06:53 PM)

After market: 38.14 0 (0%)

38.14

+0.28 (+0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners69.43%
Inst Owner Change11.62%
Ins Owners1.92%
Ins Owner Change9.92%
Market Cap3.62B
Analysts81.67
Price Target40.46 (6.08%)
Short Float %4.51%
Short Ratio5.95
Dividend
Industry RankSector Rank
Dividend Yield 2.42%
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)-9.51%
EPS NQ rev (1m)0%
EPS NQ rev (3m)23.13%
EPS NY rev (1m)0.35%
EPS NY rev (3m)2.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)19.44%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.91%
Valuation
Industry RankSector Rank
PE 13.72
Fwd PE 10.96
P/S 5.02
P/FCF 23.33
P/OCF 21.25
P/B 1.33
P/tB 2.19
EV/EBITDA N/A
EPS(TTM)2.78
EY7.29%
EPS(NY)3.48
Fwd EY9.12%
FCF(TTM)1.64
FCFY4.29%
OCF(TTM)1.79
OCFY4.71%
SpS7.6
BVpS28.7
TBVpS17.39
PEG (NY)2.58
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
WACC15.15%
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)-7.02%
EPS 3Y-2.19%
EPS 5Y-1.18%
EPS Q2Q%1.54%
EPS Next Y5.31%
EPS Next 2Y12.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.68%
Revenue growth 3Y3.22%
Revenue growth 5Y3.7%
Sales Q2Q%3.6%
Revenue Next Year45.93%
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%