RENASANT CORP (RNST) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RNST - US75970E1073 - Common Stock
36.46 USD
-0.35 (-0.95%)
36.46 USD
0 (0%)
RNST gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. RNST has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, RNST is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year RNST was profitable.
In the past year RNST had a positive cash flow from operations.
RNST had positive earnings in each of the past 5 years.
Each year in the past 5 years RNST had a positive operating cash flow.
1.2 Ratios
The Return On Assets of RNST (0.55%) is worse than 75.00% of its industry peers.
RNST has a Return On Equity of 3.84%. This is amonst the worse of the industry: RNST underperforms 82.47% of its industry peers.
| 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
RNST has a worse Profit Margin (16.82%) than 73.20% 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 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.
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.
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.
Looking at the Debt to FCF ratio, with a value of 2.54, RNST is in line with its industry, outperforming 42.27% of the companies in the same industry.
RNST has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.15, RNST perfoms like the industry average, outperforming 55.15% 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
WACC14.88%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RNST shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.79%.
The Earnings Per Share has been decreasing by -1.18% on average over the past years.
The Revenue has grown by 25.82% in the past year. This is a very strong growth!
RNST shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.70% yearly.
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 11.33% on average over the next years. This is quite good.
RNST is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.66% yearly.
EPS Next Y4.74%
EPS Next 2Y13.41%
EPS Next 3Y11.33%
EPS Next 5YN/A
Revenue Next Year48.55%
Revenue Next 2Y29.64%
Revenue Next 3Y20.66%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
RNST is valuated correctly with a Price/Earnings ratio of 12.79.
RNST's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.39, RNST is valued rather cheaply.
RNST is valuated reasonably with a Price/Forward Earnings ratio of 10.23.
The rest of the industry has a similar Price/Forward Earnings ratio as RNST.
The average S&P500 Price/Forward Earnings ratio is at 23.84. RNST is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.79 | ||
| Fwd PE | 10.23 |
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 64.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.55 | ||
| EV/EBITDA | N/A |
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.
PEG (NY)2.7
PEG (5Y)N/A
EPS Next 2Y13.41%
EPS Next 3Y11.33%
5. Dividend
5.1 Amount
RNST has a Yearly Dividend Yield of 2.48%. Purely for dividend investing, there may be better candidates out there.
RNST's Dividend Yield is comparable with the industry average which is at 2.74.
RNST's Dividend Yield is a higher than the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.48% |
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
48.14% of the earnings are spent on dividend by RNST. This is a bit on the high side, but may be sustainable.
The dividend of RNST is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.14%
EPS Next 2Y13.41%
EPS Next 3Y11.33%
36.46
-0.35 (-0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.69%
Inst Owner Change2.53%
Ins Owners1.86%
Ins Owner Change-0.12%
Market Cap3.46B
Revenue(TTM)874.50M
Net Income(TTM)147.07M
Analysts83.08
Price Target43.28 (18.71%)
Short Float %3.76%
Short Ratio6.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.48% |
Yearly Dividend0.9
Dividend Growth(5Y)0.45%
DP48.14%
Div Incr Years0
Div Non Decr Years31
Ex-Date
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)0.34%
PT rev (3m)1.42%
EPS NQ rev (1m)-0.36%
EPS NQ rev (3m)-0.74%
EPS NY rev (1m)-0.45%
EPS NY rev (3m)0.09%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)1.04%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.79 | ||
| Fwd PE | 10.23 | ||
| P/S | 3.96 | ||
| P/FCF | 15.55 | ||
| P/OCF | 13.51 | ||
| P/B | 0.91 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY7.82%
EPS(NY)3.56
Fwd EY9.77%
FCF(TTM)2.35
FCFY6.43%
OCF(TTM)2.7
OCFY7.4%
SpS9.2
BVpS40.26
TBVpS23.08
PEG (NY)2.7
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
WACC14.88%
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 3Y11.33%
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 of RENASANT CORP (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 are the PE and PB ratios of RENASANT CORP (RNST) stock?
The Price/Earnings (PE) ratio for RENASANT CORP (RNST) is 12.79 and the Price/Book (PB) ratio is 0.91.
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%.