RENASANT CORP (RNST) Stock Fundamental Analysis
USA - NYSE:RNST - US75970E1073 - Common Stock
34.88 USD
+0.34 (+0.98%)
34.88 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to RNST. RNST was compared to 390 industry peers in the Banks industry. RNST has a bad profitability rating. Also its financial health evaluation is rather negative. RNST is quite expensive at the moment. It does show a decent growth rate.
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.
In the past 5 years RNST has always been profitable.
In the past 5 years RNST always reported a positive cash flow from operatings.
1.2 Ratios
RNST has a Return On Assets of 0.60%. This is in the lower half of the industry: RNST underperforms 70.59% of its industry peers.
RNST has a worse Return On Equity (4.23%) than 80.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.6% | ||
| ROE | 4.23% | ||
| 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 (19.36%) than 64.71% of its industry peers.
In the last couple of years the Profit Margin of RNST has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for RNST so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.36% | ||
| 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.
Compared to 1 year ago, RNST has more shares outstanding
Compared to 5 years ago, RNST has more shares outstanding
RNST has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of RNST is 4.67, which is a neutral value as it means it would take RNST, 4.67 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.67, RNST is doing worse than 65.47% of the companies in the same industry.
A Debt/Equity ratio of 0.15 indicates that RNST is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.15, RNST perfoms like the industry average, outperforming 57.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 4.67 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RNST shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.46%.
The Earnings Per Share has been decreasing by -1.18% on average over the past years.
Looking at the last year, RNST shows a very strong growth in Revenue. The Revenue has grown by 28.87%.
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)-2.46%
EPS 3Y-2.19%
EPS 5Y-1.18%
EPS Q2Q%0%
Revenue 1Y (TTM)28.87%
Revenue growth 3Y3.22%
Revenue growth 5Y3.7%
Sales Q2Q%63.13%
3.2 Future
The Earnings Per Share is expected to grow by 12.03% on average over the next years. This is quite good.
Based on estimates for the next years, RNST will show a very strong growth in Revenue. The Revenue will grow by 20.86% on average per year.
EPS Next Y5.41%
EPS Next 2Y12.36%
EPS Next 3Y12.03%
EPS Next 5YN/A
Revenue Next Year48.11%
Revenue Next 2Y29.13%
Revenue Next 3Y20.86%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.55 indicates a correct valuation of RNST.
Compared to the rest of the industry, the Price/Earnings ratio of RNST is on the same level as its industry peers.
When comparing the Price/Earnings ratio of RNST to the average of the S&P500 Index (26.89), we can say RNST is valued rather cheaply.
RNST is valuated reasonably with a Price/Forward Earnings ratio of 9.97.
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 22.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.55 | ||
| Fwd PE | 9.97 |
4.2 Price Multiples
76.73% of the companies in the same industry are cheaper than RNST, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 27.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as RNST's earnings are expected to grow with 12.03% in the coming years.
PEG (NY)2.32
PEG (5Y)N/A
EPS Next 2Y12.36%
EPS Next 3Y12.03%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.55%, RNST has a reasonable but not impressive dividend return.
RNST's Dividend Yield is comparable with the industry average which is at 3.53.
RNST's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector 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 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
RNST pays out 39.98% of its income as dividend. This is a sustainable payout ratio.
RNST's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.98%
EPS Next 2Y12.36%
EPS Next 3Y12.03%
34.88
+0.34 (+0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners88.14%
Inst Owner Change-0.29%
Ins Owners1.92%
Ins Owner Change-0.21%
Market Cap3.31B
Revenue(TTM)825.25M
Net Income(TTM)159.74M
Analysts81.54
Price Target43.13 (23.65%)
Short Float %3.67%
Short Ratio6.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
Yearly Dividend0.9
Dividend Growth(5Y)0.45%
DP39.98%
Div Incr Years0
Div Non Decr Years31
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.21%
Min EPS beat(2)5.04%
Max EPS beat(2)7.38%
EPS beat(4)4
Avg EPS beat(4)9.97%
Min EPS beat(4)5.04%
Max EPS beat(4)18.3%
EPS beat(8)8
Avg EPS beat(8)8.46%
EPS beat(12)9
Avg EPS beat(12)6.38%
EPS beat(16)13
Avg EPS beat(16)6.2%
Revenue beat(2)0
Avg Revenue beat(2)-1.25%
Min Revenue beat(2)-1.73%
Max Revenue beat(2)-0.76%
Revenue beat(4)1
Avg Revenue beat(4)4.96%
Min Revenue beat(4)-2.15%
Max Revenue beat(4)24.5%
Revenue beat(8)1
Avg Revenue beat(8)-0.57%
Revenue beat(12)2
Avg Revenue beat(12)-1.48%
Revenue beat(16)3
Avg Revenue beat(16)-1.76%
PT rev (1m)1.08%
PT rev (3m)6.6%
EPS NQ rev (1m)-0.46%
EPS NQ rev (3m)1.86%
EPS NY rev (1m)0.37%
EPS NY rev (3m)0.09%
Revenue NQ rev (1m)0.36%
Revenue NQ rev (3m)1.71%
Revenue NY rev (1m)0.2%
Revenue NY rev (3m)1.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.55 | ||
| Fwd PE | 9.97 | ||
| P/S | 4.02 | ||
| P/FCF | 27.52 | ||
| P/OCF | 23.29 | ||
| P/B | 0.88 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.78
EY7.97%
EPS(NY)3.5
Fwd EY10.03%
FCF(TTM)1.27
FCFY3.63%
OCF(TTM)1.5
OCFY4.29%
SpS8.69
BVpS39.77
TBVpS22.42
PEG (NY)2.32
PEG (5Y)N/A
Graham Number49.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.6% | ||
| ROE | 4.23% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.36% | ||
| GM | N/A | ||
| FCFM | 14.59% |
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 | 4.67 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 77.97% | ||
| Cap/Sales | 2.65% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 75.4% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC15.04%
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)-2.46%
EPS 3Y-2.19%
EPS 5Y-1.18%
EPS Q2Q%0%
EPS Next Y5.41%
EPS Next 2Y12.36%
EPS Next 3Y12.03%
EPS Next 5YN/A
Revenue 1Y (TTM)28.87%
Revenue growth 3Y3.22%
Revenue growth 5Y3.7%
Sales Q2Q%63.13%
Revenue Next Year48.11%
Revenue Next 2Y29.13%
Revenue Next 3Y20.86%
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-29.77%
FCF growth 3Y-1.78%
FCF growth 5Y-2.08%
OCF growth 1Y-26.19%
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 12.55 and the Price/Book (PB) ratio is 0.88.
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 39.98%.