Logo

RNST

Renasant Corporation

RNST

Renasant Corporation • NASDAQ
$35.44 ▼ -0.39% (-0.14)
Market Cap $3.37 B
52w High $40.40
52w Low $26.97
Dividend Yield 0.88%
P/E 18.85
Volume 360.29K
Outstanding Shares 95.02M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $397.124M ▲ $183.83M ▲ $59.788M ▲ 15.055% ▲ $0.63 ▲ $76.644M ▲
Q2-2025 $392.232M ▲ $183.204M ▲ $1.018M ▼ 0.26% ▼ $0.016 ▼ $6.096M ▼
Q1-2025 $256.798M ▼ $113.949M ▼ $41.518M ▼ 16.168% ▼ $0.65 ▼ $60.326M ▲
Q4-2024 $259.562M ▼ $114.747M ▲ $44.747M ▼ 17.239% ▼ $0.7 ▼ $58.257M ▼
Q3-2024 $264.993M $68.634M $72.455M 27.342% $1.18 $105.132M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.094B ▼ $26.726B ▲ $22.9B ▲ $3.826B ▲
Q2-2025 $1.401B ▼ $26.625B ▲ $22.846B ▲ $3.779B ▲
Q1-2025 $2.093B ▲ $18.271B ▲ $15.544B ▲ $2.727B ▲
Q4-2024 $1.923B ▼ $18.035B ▲ $15.357B ▲ $2.678B ▲
Q3-2024 $2.04B $17.959B $15.301B $2.658B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $59.788M ▲ $135.47M ▲ $-448.781M ▼ $18.484M ▼ $-294.827M ▼ $150.466M ▲
Q2-2025 $1.018M ▼ $-77.291M ▼ $29.882M ▲ $334.682M ▲ $287.273M ▲ $-87.47M ▼
Q1-2025 $41.518M ▼ $106.152M ▲ $-292.055M ▲ $185.21M ▲ $-693K ▲ $101.335M ▲
Q4-2024 $44.747M ▼ $92.095M ▲ $-323.613M ▼ $47.93M ▼ $-183.588M ▼ $88.858M ▲
Q3-2024 $72.455M $21.351M $69.051M $333.312M $423.714M $17.717M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Bank Servicing
Bank Servicing
 $10.00M ▲$0 ▼$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Renasant’s income statement shows a bank that has grown steadily and become more profitable over the past five years, with only a soft spot in the middle of the period. Revenue has moved upward, especially in the most recent year, and core profitability (operating income and earnings) has generally improved. After a dip in earnings in the prior year, profits bounced back, suggesting the bank has managed the recent interest‑rate and credit environment reasonably well. Margins look healthy for a regional bank, indicating decent cost control and disciplined lending, but the pattern still reflects typical bank cyclicality, not a straight line of growth. Overall, earnings power appears solid but not immune to swings in economic or rate conditions.

Balance Sheet

Balance Sheet The balance sheet looks conservative and gradually stronger. Total assets have grown at a measured pace, pointing to steady expansion rather than aggressive balance‑sheet growth. Cash levels move around from year to year, which is normal for a bank, but liquidity recently looks more comfortable than a couple of years ago. Debt rose earlier in the period and has since been pared back, reducing funding risk. Equity has built up over time, which supports resilience and gives the bank more capacity to absorb shocks. In simple terms, the balance sheet points to a cautious lender that is growing but not stretching.

Cash Flow

Cash Flow Cash generation has been consistently positive, but somewhat uneven, which is common in banking. One year stands out with very strong operating and free cash flow, likely tied to swings in loans, deposits, and securities rather than a structural change. In the other years, operating and free cash flow are modest but positive, suggesting the business is generally self‑funding. Capital spending is low and stable, reflecting a service business that doesn’t need heavy physical investment. The overall picture is of a bank that can fund its growth and technology investments from internal cash in most environments, though cash flows can fluctuate with the credit cycle.

Competitive Edge

Competitive Edge Renasant occupies a solid niche as a relationship‑focused regional bank in the Southeastern U.S., strengthened by its merger with The First Bancshares. The combined scale should help with efficiency, marketing reach, and competitiveness against larger regional and national banks. Its long history and community roots support sticky customer relationships, which can be a real advantage versus purely digital newcomers. At the same time, the bank operates in a crowded market with many similar institutions, so pricing power is limited and deposit competition can be intense. The merger also introduces execution risk: integrating cultures, systems, and loan books will be critical to preserving its competitive position.

Innovation and R&D

Innovation and R&D While Renasant is not a cutting‑edge fintech disruptor, it has been steadily modernizing. Its digital banking suite, upgraded ATM and interactive teller network, and fintech partnerships show a willingness to adopt useful technology rather than build everything in‑house. The distinctive “Rewards Extra” checking account adds non‑bank perks, helping differentiate it in a commoditized product area. Specialized treasury and commercial services deepen ties with business clients. Future upside depends on how well it integrates technology across the merged franchise, uses data to personalize offerings, and keeps pace with evolving digital expectations. Innovation here is incremental and practical, not revolutionary, but well aligned with a community‑banking model.

Summary

Renasant looks like a disciplined, relationship‑driven regional bank that has grown steadily and become more profitable over the last five years, despite some normal banking volatility. Its balance sheet appears sound, with growing equity, manageable debt, and improving liquidity. Cash flows are generally supportive of ongoing operations and technology investment, though they fluctuate with lending and funding trends. Competitively, the bank benefits from community roots, a larger post‑merger footprint, and a reasonably modern digital offering, but it still faces tough competition from bigger banks and digital players, and it must execute its merger carefully. Overall, the story is one of steady, conservative growth, with future performance hinging on credit quality, interest‑rate trends, and successful integration and digital execution.

NEWS

October 28, 2025 · 6:19 PM UTC

Renasant Corporation Increases Quarterly Dividend

Read more

October 28, 2025 · 4:30 PM UTC

Renasant Corporation Announces Earnings for the Third Quarter of 2025

Read more

October 27, 2025 · 6:45 AM UTC

Media Advisory: FHLB Dallas, Home Bank, Liberty Bank & Trust and Renasant Bank to Present $60,000 in Funds to New Orleans Neighborhood Development Foundation

Read more

October 24, 2025 · 4:10 PM UTC

Media Advisory: FHLB Dallas, Home Bank, Liberty Bank & Trust and Renasant Bank to Present $60,000 in Funds to New Orleans Neighborhood Development Foundation

Read more

October 9, 2025 · 8:30 AM UTC

Renasant Announces 2025 Third Quarter Webcast and Conference Call Information

Read more