RENASANT CORP (RNST) Fundamental Analysis & Valuation

NYSE:RNST • US75970E1073

Current stock price

37.03 USD
+0.12 (+0.33%)
At close:
37.03 USD
0 (0%)
After Hours:

This RNST fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. RNST Profitability Analysis

1.1 Basic Checks

  • RNST had positive earnings in the past year.
  • In the past year RNST had a positive cash flow from operations.
  • RNST had positive earnings in each of the past 5 years.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

1.2 Ratios

  • The Return On Assets of RNST (0.68%) is worse than 75.79% of its industry peers.
  • With a Return On Equity value of 4.67%, RNST is not doing good in the industry: 84.47% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.68%
ROE 4.67%
ROIC N/A
ROA(3y)0.86%
ROA(5y)0.92%
ROE(3y)6.09%
ROE(5y)6.8%
ROIC(3y)N/A
ROIC(5y)N/A
RNST Yearly ROA, ROE, ROICRNST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

1.3 Margins

  • RNST has a Profit Margin of 18.39%. This is in the lower half of the industry: RNST underperforms 76.58% of its industry peers.
  • RNST's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for RNST so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.39%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.29%
PM growth 5Y7.79%
GM growth 3YN/A
GM growth 5YN/A
RNST Yearly Profit, Operating, Gross MarginsRNST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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2

2. RNST Health Analysis

2.1 Basic Checks

  • RNST does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • RNST has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for RNST has been increased compared to 5 years ago.
  • Compared to 1 year ago, RNST has an improved debt to assets ratio.
RNST Yearly Shares OutstandingRNST Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
RNST Yearly Total Debt VS Total AssetsRNST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • RNST has a debt to FCF ratio of 2.13. This is a good value and a sign of high solvency as RNST would need 2.13 years to pay back of all of its debts.
  • RNST's Debt to FCF ratio of 2.13 is in line compared to the rest of the industry. RNST outperforms 46.05% of its industry peers.
  • RNST has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
  • RNST has a Debt to Equity ratio (0.13) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 2.13
Altman-Z N/A
ROIC/WACCN/A
WACC15.58%
RNST Yearly LT Debt VS Equity VS FCFRNST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. RNST Growth Analysis

3.1 Past

  • RNST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.39%, which is quite good.
  • Measured over the past years, RNST shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.10% on average per year.
  • Looking at the last year, RNST shows a very strong growth in Revenue. The Revenue has grown by 37.73%.
  • The Revenue has been growing by 8.28% on average over the past years. This is quite good.
EPS 1Y (TTM)9.39%
EPS 3Y0.33%
EPS 5Y11.1%
EPS Q2Q%24.66%
Revenue 1Y (TTM)37.73%
Revenue growth 3Y16.06%
Revenue growth 5Y8.28%
Sales Q2Q%66.68%

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 13.49% yearly.
  • RNST is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.28% yearly.
EPS Next Y20.18%
EPS Next 2Y13.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.1%
Revenue Next 2Y9.28%
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
RNST Yearly Revenue VS EstimatesRNST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
RNST Yearly EPS VS EstimatesRNST Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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4

4. RNST Valuation Analysis

4.1 Price/Earnings Ratio

  • RNST is valuated correctly with a Price/Earnings ratio of 12.22.
  • RNST's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.17. RNST is valued rather cheaply when compared to this.
  • RNST is valuated reasonably with a Price/Forward Earnings ratio of 10.17.
  • The rest of the industry has a similar Price/Forward Earnings ratio as RNST.
  • When comparing the Price/Forward Earnings ratio of RNST to the average of the S&P500 Index (23.05), we can say RNST is valued rather cheaply.
Industry RankSector Rank
PE 12.22
Fwd PE 10.17
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

  • RNST's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. RNST is more expensive than 62.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.66
EV/EBITDA N/A
RNST Per share dataRNST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • RNST's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • RNST's earnings are expected to grow with 13.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)1.1
EPS Next 2Y13.49%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. RNST Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.61%, RNST has a reasonable but not impressive dividend return.
  • RNST's Dividend Yield is comparable with the industry average which is at 2.73.
  • Compared to an average S&P500 Dividend Yield of 1.89, RNST pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.61%

5.2 History

  • The dividend of RNST has a limited annual growth rate of 2.30%.
  • 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)2.3%
Div Incr Years1
Div Non Decr Years32
RNST Yearly Dividends per shareRNST Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 43.36% of the earnings are spent on dividend by RNST. 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.
DP43.36%
EPS Next 2Y13.49%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
RNST Dividend Payout.RNST Dividend Payout, showing the Payout Ratio.RNST Dividend Payout.PayoutRetained Earnings

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RNST Fundamentals: All Metrics, Ratios and Statistics

RENASANT CORP

NYSE:RNST (4/2/2026, 8:04:00 PM)

After market: 37.03 0 (0%)

37.03

+0.12 (+0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-28
Inst Owners87.89%
Inst Owner Change0%
Ins Owners1.95%
Ins Owner Change1.1%
Market Cap3.49B
Revenue(TTM)985.92M
Net Income(TTM)181.27M
Analysts83.08
Price Target45.32 (22.39%)
Short Float %4.32%
Short Ratio5.25
Dividend
Industry RankSector Rank
Dividend Yield 2.61%
Yearly Dividend0.99
Dividend Growth(5Y)2.3%
DP43.36%
Div Incr Years1
Div Non Decr Years32
Ex-Date03-17
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.54%
Min EPS beat(2)-4.16%
Max EPS beat(2)11.24%
EPS beat(4)3
Avg EPS beat(4)4.87%
Min EPS beat(4)-4.16%
Max EPS beat(4)11.24%
EPS beat(8)7
Avg EPS beat(8)6.43%
EPS beat(12)10
Avg EPS beat(12)6.97%
EPS beat(16)12
Avg EPS beat(16)6.03%
Revenue beat(2)0
Avg Revenue beat(2)-2.15%
Min Revenue beat(2)-3.18%
Max Revenue beat(2)-1.12%
Revenue beat(4)0
Avg Revenue beat(4)-1.7%
Min Revenue beat(4)-3.18%
Max Revenue beat(4)-0.76%
Revenue beat(8)1
Avg Revenue beat(8)1.37%
Revenue beat(12)1
Avg Revenue beat(12)-2.07%
Revenue beat(16)3
Avg Revenue beat(16)-1.68%
PT rev (1m)0%
PT rev (3m)4.71%
EPS NQ rev (1m)0.51%
EPS NQ rev (3m)3.69%
EPS NY rev (1m)0%
EPS NY rev (3m)2.2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.36%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)0.96%
Valuation
Industry RankSector Rank
PE 12.22
Fwd PE 10.17
P/S 3.54
P/FCF 14.66
P/OCF 12.84
P/B 0.9
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)3.03
EY8.18%
EPS(NY)3.64
Fwd EY9.83%
FCF(TTM)2.53
FCFY6.82%
OCF(TTM)2.88
OCFY7.79%
SpS10.47
BVpS41.27
TBVpS24.08
PEG (NY)0.61
PEG (5Y)1.1
Graham Number53.04
Profitability
Industry RankSector Rank
ROA 0.68%
ROE 4.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.39%
GM N/A
FCFM 24.11%
ROA(3y)0.86%
ROA(5y)0.92%
ROE(3y)6.09%
ROE(5y)6.8%
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 3Y-11.29%
PM growth 5Y7.79%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 2.13
Debt/EBITDA N/A
Cap/Depr 207.99%
Cap/Sales 3.42%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 131.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.58%
ROIC/WACCN/A
Cap/Depr(3y)103.89%
Cap/Depr(5y)77.92%
Cap/Sales(3y)2.92%
Cap/Sales(5y)2.85%
Profit Quality(3y)92.71%
Profit Quality(5y)136.85%
High Growth Momentum
Growth
EPS 1Y (TTM)9.39%
EPS 3Y0.33%
EPS 5Y11.1%
EPS Q2Q%24.66%
EPS Next Y20.18%
EPS Next 2Y13.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)37.73%
Revenue growth 3Y16.06%
Revenue growth 5Y8.28%
Sales Q2Q%66.68%
Revenue Next Year14.1%
Revenue Next 2Y9.28%
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 1Y105.35%
FCF growth 3Y-24.81%
FCF growth 5Y34.56%
OCF growth 1Y109.75%
OCF growth 3Y-22.09%
OCF growth 5Y26.99%

RENASANT CORP / RNST Fundamental Analysis FAQ

What is the ChartMill fundamental rating of RENASANT CORP (RNST) stock?

ChartMill assigns a fundamental rating of 4 / 10 to RNST.


Can you provide the valuation status for RENASANT CORP?

ChartMill assigns a valuation rating of 4 / 10 to RENASANT CORP (RNST). This can be considered as Fairly Valued.


How profitable is RENASANT CORP (RNST) stock?

RENASANT CORP (RNST) has a profitability rating of 3 / 10.


What is the valuation of RENASANT CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for RENASANT CORP (RNST) is 12.22 and the Price/Book (PB) ratio is 0.9.


Can you provide the financial health for RNST stock?

The financial health rating of RENASANT CORP (RNST) is 2 / 10.