RENASANT CORP (RNST)

US75970E1073 - Common Stock

30.51  +0.5 (+1.67%)

After market: 30.5 -0.01 (-0.03%)

Fundamental Rating

3

Overall RNST gets a fundamental rating of 3 out of 10. We evaluated RNST against 411 industry peers in the Banks industry. RNST has a bad profitability rating. Also its financial health evaluation is rather negative. RNST is valued expensive and it does not seem to be growing.



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3

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.
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

With a Return On Assets value of 0.83%, RNST perfoms like the industry average, outperforming 46.96% of the companies in the same industry.
RNST's Return On Equity of 6.30% is on the low side compared to the rest of the industry. RNST is outperformed by 73.48% of its industry peers.
Industry RankSector Rank
ROA 0.83%
ROE 6.3%
ROIC N/A
ROA(3y)0.95%
ROA(5y)0.93%
ROE(3y)7.34%
ROE(5y)6.77%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 22.87%, RNST is in line with its industry, outperforming 44.77% of the companies in the same industry.
RNST's Profit Margin has declined 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) 22.87%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y21.87%
PM growth 5Y-3.39%
GM growth 3YN/A
GM growth 5YN/A

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3

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 reduced 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 3.44. This is a good value and a sign of high solvency as RNST would need 3.44 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.44, RNST is in line with its industry, outperforming 41.61% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that RNST is not too dependend on debt financing.
RNST has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: RNST outperforms 57.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 3.44
Altman-Z N/A
ROIC/WACCN/A
WACC14.49%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 5.33% over the past year.
Measured over the past 5 years, RNST shows a small growth in Earnings Per Share. The EPS has been growing by 1.18% on average per year.
RNST shows a small growth in Revenue. In the last year, the Revenue has grown by 0.30%.
The Revenue has been growing slightly by 3.19% on average over the past years.
EPS 1Y (TTM)5.33%
EPS 3Y20.86%
EPS 5Y1.18%
EPS growth Q2Q-14.61%
Revenue 1Y (TTM)0.3%
Revenue growth 3Y-1.53%
Revenue growth 5Y3.19%
Revenue growth Q2Q-14.54%

3.2 Future

The Earnings Per Share is expected to decrease by -5.12% on average over the next years.
RNST is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.40% yearly.
EPS Next Y-15.11%
EPS Next 2Y-5.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.98%
Revenue Next 2Y1.4%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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3

4. Valuation

4.1 Price/Earnings Ratio

RNST is valuated reasonably with a Price/Earnings ratio of 9.66.
RNST's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 25.20, RNST is valued rather cheaply.
The Price/Forward Earnings ratio is 11.37, which indicates a very decent valuation of RNST.
RNST's Price/Forward Earnings is on the same level as the industry average.
RNST's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.60.
Industry RankSector Rank
PE 9.66
Fwd PE 11.37

4.2 Price Multiples

69.83% of the companies in the same industry are cheaper than RNST, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 13.51
EV/EBITDA N/A

4.3 Compensation for Growth

RNST's earnings are expected to decrease with -5.12% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)8.18
EPS Next 2Y-5.12%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

RNST has a Yearly Dividend Yield of 3.06%. Purely for dividend investing, there may be better candidates out there.
RNST's Dividend Yield is slightly below the industry average, which is at 3.92.
RNST's Dividend Yield is a higher than the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 3.06%

5.2 History

The dividend of RNST has a limited annual growth rate of 2.12%.
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)2.12%
Div Incr Years0
Div Non Decr Years16

5.3 Sustainability

RNST pays out 34.77% of its income as dividend. This is a sustainable payout ratio.
DP34.77%
EPS Next 2Y-5.12%
EPS Next 3YN/A

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RENASANT CORP

NYSE:RNST (4/23/2024, 7:23:04 PM)

After market: 30.5 -0.01 (-0.03%)

30.51

+0.5 (+1.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.72B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 3.06%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 9.66
Fwd PE 11.37
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)8.18
Profitability
Industry RankSector Rank
ROA 0.83%
ROE 6.3%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 22.87%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)5.33%
EPS 3Y20.86%
EPS 5Y
EPS growth Q2Q
EPS Next Y-15.11%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.3%
Revenue growth 3Y-1.53%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y