RENASANT CORP (RNST) Fundamental Analysis & Valuation

NYSE:RNST • US75970E1073

Current stock price

35.66 USD
-0.41 (-1.14%)
At close:
35.66 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.

2

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.
  • Each year in the past 5 years RNST has been profitable.
  • Of the past 5 years RNST 4 years had a positive operating cash flow.
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

  • RNST's Return On Assets of 0.55% is on the low side compared to the rest of the industry. RNST is outperformed by 77.17% of its industry peers.
  • The Return On Equity of RNST (3.84%) is worse than 84.78% of its industry peers.
Industry RankSector Rank
ROA 0.55%
ROE 3.84%
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's Profit Margin of 16.82% is on the low side compared to the rest of the industry. RNST is outperformed by 76.64% of its industry peers.
  • RNST's Profit Margin has improved 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) 16.82%
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.
  • Compared to 1 year ago, RNST has more shares outstanding
  • Compared to 5 years ago, RNST has more shares outstanding
  • The debt/assets ratio for RNST is higher compared to a year ago.
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 2.54. 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.
  • With a Debt to FCF ratio value of 2.54, RNST perfoms like the industry average, outperforming 42.52% of the companies in the same industry.
  • A Debt/Equity ratio of 0.15 indicates that RNST is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.15, RNST is in line with its industry, outperforming 53.81% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 2.54
Altman-Z N/A
ROIC/WACCN/A
WACC15.17%
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 100M 200M 300M 400M 500M

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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

  • The Earnings Per Share has grown by an nice 9.39% over the past year.
  • The Earnings Per Share has been growing by 11.10% on average over the past years. This is quite good.
  • RNST shows a strong growth in Revenue. In the last year, the Revenue has grown by 37.73%.
  • Measured over the past years, RNST shows a quite strong growth in Revenue. The Revenue has been growing by 8.28% on average per year.
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

  • Based on estimates for the next years, RNST will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.49% on average per year.
  • Based on estimates for the next years, RNST will show a quite strong growth in Revenue. The Revenue will grow by 9.28% on average per year.
EPS Next Y20.18%
EPS Next 2Y13.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.2%
Revenue Next 2Y9.28%
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.
  • 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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5

4. RNST Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.77, the valuation of RNST can be described as reasonable.
  • RNST's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, RNST is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.79, the valuation of RNST can be described as reasonable.
  • RNST's Price/Forward Earnings is on the same level as the industry average.
  • RNST is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.77
Fwd PE 9.79
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

  • Based on the Price/Free Cash Flow ratio, RNST is valued a bit more expensive than the industry average as 65.09% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.14
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

  • The 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)0.58
PEG (5Y)1.06
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

  • RNST has a Yearly Dividend Yield of 2.55%.
  • Compared to an average industry Dividend Yield of 2.90, RNST has a dividend in line with its industry peers.
  • RNST's Dividend Yield is a higher than the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 2.55%

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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • RNST pays out 48.14% of its income as dividend. 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.
DP48.14%
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 (3/13/2026, 8:04:00 PM)

After market: 35.66 0 (0%)

35.66

-0.41 (-1.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners87.89%
Inst Owner Change-3.61%
Ins Owners1.95%
Ins Owner Change2.33%
Market Cap3.37B
Revenue(TTM)985.92M
Net Income(TTM)147.07M
Analysts83.08
Price Target45.32 (27.09%)
Short Float %3.72%
Short Ratio4.95
Dividend
Industry RankSector Rank
Dividend Yield 2.55%
Yearly Dividend0.9
Dividend Growth(5Y)0.45%
DP48.14%
Div Incr Years0
Div Non Decr Years31
Ex-Date03-17
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)0.59%
PT rev (3m)4.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.3%
EPS NY rev (1m)0.02%
EPS NY rev (3m)2.2%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)1.05%
Valuation
Industry RankSector Rank
PE 11.77
Fwd PE 9.79
P/S 3.86
P/FCF 15.14
P/OCF 13.16
P/B 0.88
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)3.03
EY8.5%
EPS(NY)3.64
Fwd EY10.21%
FCF(TTM)2.35
FCFY6.6%
OCF(TTM)2.71
OCFY7.6%
SpS9.24
BVpS40.42
TBVpS23.18
PEG (NY)0.58
PEG (5Y)1.06
Graham Number52.5
Profitability
Industry RankSector 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)0.86%
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-Score4
Asset Turnover0.03
Health
Industry RankSector 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
WACC15.17%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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 Year14.2%
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 1Y82.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y86.11%
OCF growth 3YN/A
OCF growth 5YN/A

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.


What is the valuation status for RNST stock?

ChartMill assigns a valuation rating of 5 / 10 to RENASANT CORP (RNST). This can be considered as Fairly Valued.


What is the profitability of RNST stock?

RENASANT CORP (RNST) has a profitability rating of 2 / 10.


What is the expected EPS growth for RENASANT CORP (RNST) stock?

The Earnings per Share (EPS) of RENASANT CORP (RNST) is expected to grow by 20.18% in the next year.


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%.