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RENASANT CORP (RNST) Stock Fundamental Analysis

NYSE:RNST - New York Stock Exchange, Inc. - US75970E1073 - Common Stock - Currency: USD

27.91  -0.27 (-0.96%)

After market: 27.91 0 (0%)

Fundamental Rating

4

Overall RNST gets a fundamental rating of 4 out of 10. We evaluated RNST against 398 industry peers in the Banks industry. While RNST is still in line with the averages on profitability rating, there are concerns on its financial health. RNST has a decent growth rate and is not valued too expensively. RNST also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

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.
In the past 5 years RNST has always been profitable.
RNST had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

1.2 Ratios

RNST's Return On Assets of 1.08% is fine compared to the rest of the industry. RNST outperforms 73.12% of its industry peers.
RNST has a Return On Equity of 7.30%. This is comparable to the rest of the industry: RNST outperforms 42.21% of its industry peers.
Industry RankSector Rank
ROA 1.08%
ROE 7.3%
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
RNST Yearly ROA, ROE, ROICRNST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

RNST has a Profit Margin of 27.30%. This is in the better half of the industry: RNST outperforms 72.11% of its industry peers.
RNST's Profit Margin has been stable 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) 27.3%
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
RNST Yearly Profit, Operating, Gross MarginsRNST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

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
RNST has more shares outstanding than it did 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
RNST Yearly Total Debt VS Total AssetsRNST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

The Debt to FCF ratio of RNST is 3.79, which is a good value as it means it would take RNST, 3.79 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of RNST (3.79) is worse than 62.31% of its industry peers.
RNST has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
RNST has a Debt to Equity ratio (0.16) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 3.79
Altman-Z N/A
ROIC/WACCN/A
WACC16.59%
RNST Yearly LT Debt VS Equity VS FCFRNST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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6

3. Growth

3.1 Past

RNST shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.34%.
The Earnings Per Share has been decreasing by -1.18% on average over the past years.
RNST shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.20%.
RNST shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.70% yearly.
EPS 1Y (TTM)-12.34%
EPS 3Y-2.19%
EPS 5Y-1.18%
EPS Q2Q%-3.95%
Revenue 1Y (TTM)13.2%
Revenue growth 3Y3.22%
Revenue growth 5Y3.7%
Sales Q2Q%14.21%

3.2 Future

The Earnings Per Share is expected to grow by 13.72% on average over the next years. This is quite good.
The Revenue is expected to grow by 29.75% on average over the next years. This is a very strong growth
EPS Next Y0.82%
EPS Next 2Y13.72%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year42.66%
Revenue Next 2Y29.75%
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 accelerating: in the next years the growth will be better than in the last years.
RNST Yearly Revenue VS EstimatesRNST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
RNST Yearly EPS VS EstimatesRNST Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.08, which indicates a very decent valuation of RNST.
Compared to the rest of the industry, the Price/Earnings ratio of RNST indicates a somewhat cheap valuation: RNST is cheaper than 66.33% of the companies listed in the same industry.
RNST is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.99 indicates a reasonable valuation of RNST.
RNST's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, RNST is valued rather cheaply.
Industry RankSector Rank
PE 10.08
Fwd PE 9.99
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of RNST indicates a slightly more expensive valuation: RNST is more expensive than 76.13% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 22.89
EV/EBITDA N/A
RNST Per share dataRNST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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.
A more expensive valuation may be justified as RNST's earnings are expected to grow with 13.72% in the coming years.
PEG (NY)12.26
PEG (5Y)N/A
EPS Next 2Y13.72%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

RNST has a Yearly Dividend Yield of 3.12%.
In the last 3 months the price of RNST has falen by -23.68%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.66, RNST has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.51, RNST pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.12%

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
RNST Yearly Dividends per shareRNST Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

27.49% of the earnings are spent on dividend by RNST. This is a low number and sustainable payout ratio.
RNST's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP27.49%
EPS Next 2Y13.72%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
RNST Dividend Payout.RNST Dividend Payout, showing the Payout Ratio.RNST Dividend Payout.PayoutRetained Earnings

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RENASANT CORP

NYSE:RNST (4/21/2025, 4:22:49 PM)

After market: 27.91 0 (0%)

27.91

-0.27 (-0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/amc
Earnings (Next)04-22 2025-04-22/amc
Inst Owners94.07%
Inst Owner Change0.06%
Ins Owners2.54%
Ins Owner Change8.88%
Market Cap2.65B
Analysts80
Price Target44.37 (58.98%)
Short Float %8.54%
Short Ratio9.77
Dividend
Industry RankSector Rank
Dividend Yield 3.12%
Yearly Dividend0.9
Dividend Growth(5Y)0.45%
DP27.49%
Div Incr Years0
Div Non Decr Years31
Ex-Date03-17 2025-03-17 (0.22)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.74%
Min EPS beat(2)9.18%
Max EPS beat(2)18.3%
EPS beat(4)4
Avg EPS beat(4)7.99%
Min EPS beat(4)1.89%
Max EPS beat(4)18.3%
EPS beat(8)7
Avg EPS beat(8)8.02%
EPS beat(12)9
Avg EPS beat(12)6.42%
EPS beat(16)12
Avg EPS beat(16)6.34%
Revenue beat(2)1
Avg Revenue beat(2)11.17%
Min Revenue beat(2)-2.15%
Max Revenue beat(2)24.5%
Revenue beat(4)1
Avg Revenue beat(4)4.44%
Min Revenue beat(4)-3.28%
Max Revenue beat(4)24.5%
Revenue beat(8)1
Avg Revenue beat(8)-2.26%
Revenue beat(12)3
Avg Revenue beat(12)-1.67%
Revenue beat(16)4
Avg Revenue beat(16)-1.45%
PT rev (1m)-0.76%
PT rev (3m)5.67%
EPS NQ rev (1m)1.54%
EPS NQ rev (3m)9.03%
EPS NY rev (1m)-1.51%
EPS NY rev (3m)3.84%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)2.72%
Revenue NY rev (1m)1.58%
Revenue NY rev (3m)4.27%
Valuation
Industry RankSector Rank
PE 10.08
Fwd PE 9.99
P/S 3.7
P/FCF 22.89
P/OCF 20.48
P/B 0.99
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)2.77
EY9.92%
EPS(NY)2.79
Fwd EY10.01%
FCF(TTM)1.22
FCFY4.37%
OCF(TTM)1.36
OCFY4.88%
SpS7.54
BVpS28.2
TBVpS16.87
PEG (NY)12.26
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.08%
ROE 7.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.3%
GM N/A
FCFM 16.17%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 3.79
Debt/EBITDA N/A
Cap/Depr 42.27%
Cap/Sales 1.91%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 59.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC16.59%
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)-12.34%
EPS 3Y-2.19%
EPS 5Y-1.18%
EPS Q2Q%-3.95%
EPS Next Y0.82%
EPS Next 2Y13.72%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.2%
Revenue growth 3Y3.22%
Revenue growth 5Y3.7%
Sales Q2Q%14.21%
Revenue Next Year42.66%
Revenue Next 2Y29.75%
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 1Y-8.78%
FCF growth 3Y-1.78%
FCF growth 5Y-2.08%
OCF growth 1Y-12.88%
OCF growth 3Y-3.2%
OCF growth 5Y-4.58%