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Renasant Corporation

Renasant Corporation

RNST · NYSE · Financial Services / Banks - Regional

40.23USD+0.32 (+0.80%)

Price History

Full chart

Market Stats

Previous Close39.91
Open40.16
Day Range39.79 – 40.27
52-Week Range32.25 – 44.28
Volume692.40K
Market Cap3.69B
P/E (TTM)11.80
Forward P/E10.42
EPS3.42
Dividend Yield2.38%
Beta0.98
50-Day Avg42.09
200-Day Avg39.76

About

Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, and fiduciary services to retail and commercial customers. The company operates in two segments, Community Banks and Wealth Management. The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lending, and factoring equipment leasing services, as well as safe deposit and night depository facilities. It also provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate"1-4 family mortgage; real estate"commercial mortgage; real estate"construction loans for the construction of single family residential properties, multi-family properties, and commercial projects; installment loans to individuals; and interim construction loans, as well as automated teller machine (ATM), online and mobile banking, call center, and treasury management services. The Wealth Management segment offers a range of wealth management and fiduciary services, including administration and management of trust accounts, such as personal and corporate benefit accounts, and custodial accounts, as well as accounting and money management for trust accounts. It also provides annuities, mutual funds, and other investment services through a third-party broker-dealer; administrative and compliance services; and qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates, as well as administrative and compliance services for certain mutual funds. The company was founded in 1904 and is based in Tupelo, Mississippi.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Kevin D. Chapman
  • Employees3.00K
  • Headquarters209 Troy Street, Tupelo, MS, United States, 38804-4827, USA
  • Websitehttps://investors.renasant.com

Leadership

  • Mr. Kevin D. ChapmanPresident, CEO & Director · b. 1976
  • Mr. C. Mitchell WaycasterExecutive Vice Chairman · b. 1959
  • Mr. James C. Mabry IVExecutive VP & CFO · b. 1958
  • Mr. Mark W. Jeanfreau J.D.Executive VP, General Counsel & Secretary · b. 1976
  • Mr. Curtis J. PerryExecutive Vice President · b. 1963
  • Ms. Kelly W. Hutcheson CPAExecutive VP & Chief Accounting Officer · b. 1983
  • Mr. John Sterling OxfordSenior VP & Chief Marketing Officer · b. 1977
  • Mr. Stuart R. JohnsonExecutive Vice President · b. 1954
  • Mr. James W. GrayExecutive Vice President · b. 1957
  • Mr. J. Scott CochranExecutive VP & Chief Core Banking Officer · b. 1964

Financials

Income Statement

Currency: USD1990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue64.30M63.20M56.70M56.00M62.80M73.60M77.40M87.50M95.80M102.98M107.96M112.16M106.39M102.70M109.31M168.60M200.24M250.39M255.00M228.12M215.96M226.04M228.02M252.50M306.92M371.29M466.55M506.89M605.82M695.83M731.62M695.67M691.06M909.77M1.04B1.44B
Growth (%)--1.71%-10.28%-1.23%+12.14%+17.20%+5.16%+13.05%+9.49%+7.49%+4.84%+3.88%-5.14%-3.47%+6.43%+54.24%+18.76%+25.05%+1.84%-10.54%-5.33%+4.67%+0.88%+10.73%+21.55%+20.97%+25.66%+8.65%+19.52%+14.86%+5.14%-4.91%-0.66%+31.65%+14.10%+39.12%
Cost of Revenue35.10M31.60M24.00M19.10M20.90M28.40M31.00M35.70M40.10M40.50M50.51M45.71M30.88M24.49M23.34M50.95M72.64M107.22M114.32M97.99M90.94M63.75M44.10M33.82M30.09M26.41M35.68M45.40M72.14M105.97M158.19M42.52M84.38M293.58M384.85M565.75M
Gross Profit29.20M31.60M32.70M36.90M41.90M45.20M46.40M51.80M55.70M62.48M57.46M66.44M75.52M78.21M85.97M117.65M127.60M143.17M140.68M130.13M125.02M162.29M183.92M218.67M276.82M344.88M430.88M461.49M533.68M589.86M573.44M653.15M606.68M616.19M653.18M878.39M
Gross Margin45.41%50.00%57.67%65.89%66.72%61.41%59.95%59.20%58.14%60.67%53.22%59.24%70.98%76.15%78.65%69.78%63.72%57.18%55.17%57.05%57.89%71.80%80.66%86.61%90.19%92.89%92.35%91.04%88.09%84.77%78.38%93.89%87.79%67.73%62.92%60.82%
Operating Expense20.20M23.60M25.30M27.20M31.10M32.10M32.80M36.10M39.30M41.48M42.47M46.75M51.03M53.19M60.62M83.94M89.01M98.00M107.97M105.75M78.33M127.62M150.46M172.93M190.94M245.11M295.10M301.62M345.03M374.17M469.95M430.33M395.37M439.00M408.21M651.66M
Operating Income9.00M8.00M7.40M9.70M10.80M13.10M13.60M15.70M16.40M21.00M14.98M19.70M24.49M25.02M25.35M33.71M38.59M45.17M32.71M24.38M46.69M34.67M33.47M45.75M85.89M99.76M135.78M159.87M188.65M215.69M103.49M222.83M211.31M177.19M244.97M226.73M
Operating Margin14.00%12.66%13.05%17.32%17.20%17.80%17.57%17.94%17.12%20.39%13.88%17.56%23.02%24.36%23.19%19.99%19.27%18.04%12.83%10.69%21.62%15.34%14.68%18.12%27.98%26.87%29.10%31.54%31.14%31.00%14.15%32.03%30.58%19.48%23.60%15.70%
EBITDA10.20M9.10M8.50M11.60M13.80M15.10M15.80M18.30M19.80M24.50M19.02M23.88M29.55M32.56M31.60M41.82M44.82M51.71M39.36M33.28M56.20M39.47M41.17M54.84M93.99M108.96M138.87M164.70M192.14M223.87M138.12M270.18M254.05M212.42M277.25M242.94M
EBITDA Margin15.86%14.40%14.99%20.71%21.97%20.52%20.41%20.91%20.67%23.79%17.61%21.29%27.78%31.70%28.91%24.80%22.38%20.65%15.44%14.59%26.02%17.46%18.06%21.72%30.62%29.35%29.76%32.49%31.72%32.17%18.88%38.84%36.76%23.35%26.71%16.82%
Net Income6.90M6.20M5.60M7.50M8.20M9.20M9.50M11.00M11.70M14.80M11.18M14.59M16.37M18.18M18.44M24.21M27.13M31.10M24.05M18.52M31.68M25.63M26.64M33.49M59.58M68.01M90.93M92.19M146.92M167.60M83.65M175.89M166.07M144.68M195.46M181.27M
Net Income Margin10.73%9.81%9.88%13.39%13.06%12.50%12.27%12.57%12.21%14.37%10.36%13.01%15.39%17.70%16.87%14.36%13.55%12.42%9.43%8.12%14.67%11.34%11.68%13.26%19.41%18.32%19.49%18.19%24.25%24.09%11.43%25.28%24.03%15.90%18.83%12.55%
R&D---------------------00000000-------
R&D as % of Total Revenue---------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense33.00M28.50M19.70M16.30M18.90M25.60M28.20M33.40M37.50M37.30M44.13M40.92M26.52M21.78M21.80M47.96M70.23M102.38M91.52M71.10M60.28M41.40M25.98M23.40M23.78M21.66M28.15M37.85M65.33M98.92M71.33M44.68M60.51M277.99M375.58M458.29M
Interest Expense % of Total Revenue51.32%45.09%34.74%29.11%30.10%34.78%36.43%38.17%39.14%36.22%40.88%36.49%24.93%21.20%19.94%28.45%35.07%40.89%35.89%31.17%27.91%18.32%11.39%9.27%7.75%5.84%6.03%7.47%10.78%14.22%9.75%6.42%8.76%30.56%36.18%31.73%

Balance Sheet

Currency: USD1990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets636.80M646.00M659.30M718.50M787.10M841.70M893.10M971.10M1.11B1.16B1.21B1.25B1.34B1.42B1.71B2.40B2.61B3.61B3.72B3.64B4.30B4.20B4.64B5.75B5.80B7.93B8.70B9.83B12.93B13.40B14.93B16.81B16.99B17.36B18.03B26.75B
Total Liabilities579.90M584.90M594.70M648.60M713.40M756.70M802.50M872.90M997.60M1.05B1.09B1.13B1.21B1.28B1.53B2.16B2.36B3.21B3.32B3.23B3.83B3.71B4.14B5.08B5.09B6.89B7.47B8.31B10.89B11.27B474.97M14.60B14.85B15.06B15.36B22.87B
Total Equity56.90M61.10M64.60M69.90M73.70M85.00M90.60M98.20M110.20M116.10M121.66M123.58M132.78M137.63M179.04M235.44M252.70M399.07M400.37M410.12M469.51M487.20M498.21M665.65M711.65M1.04B1.23B1.51B2.04B2.13B14.45B2.21B2.14B2.30B2.68B3.88B
Cash52.70M60.80M57.20M44.10M45.50M72.70M48.70M53.90M38.60M44.10M56.82M64.41M58.74M53.48M56.02M95.86M98.20M99.79M100.39M148.56M292.67M209.02M132.42M246.65M161.58M211.57M306.22M281.45M569.11M414.93M633.20M1.88B575.99M801.35M1.09B1.07B
Total Debt600.00K200.00K100.00K100.00K4.70M4.30M11.20M20.80M22.50M51.30M39.89M41.15M86.31M125.57M191.55M266.50M216.42M624.39M933.98M618.02M316.44M266.19M164.71M171.88M188.82M570.50M312.13M297.36M651.32M865.60M496.31M485.16M1.14B736.98M538.63M1.06B
Net Debt-52.10M-60.60M-57.10M-44.00M-40.80M-68.40M-37.50M-33.10M-16.10M7.20M-16.93M-23.27M27.57M72.09M135.52M170.64M118.22M524.60M833.58M469.46M23.77M57.18M27.03M-77.06M-5.16M358.93M5.91M15.91M82.21M450.67M-158.23M-1.39B564.37M-64.37M-553.40M-15.19M

Cash Flow

Currency: USD1990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow9.70M9.20M7.50M16.50M12.30M14.40M15.00M14.50M15.50M16.00M18.96M5.65M26.89M24.05M25.99M49.70M34.06M43.27M62.60M49.70M100.45M153.13M177.71M153.29M124.68M252.63M163.80M207.04M82.11M163.62M82.24M142.66M574.04M148.55M129.43M271.47M
Investing Cash Flow-25.50M-8.20M-18.20M-80.00M-53.60M-35.20M-73.10M-79.30M-117.90M-52.10M-36.43M-15.42M-109.51M-86.70M-65.41M-103.09M-215.72M-353.81M-156.22M96.59M329.82M135.54M-196.82M-57.15M-202.80M-247.43M-351.99M69.66M-503.29M-505.91M-1.27B-660.00M-2.04B-55.40M-298.04M-734.02M
Financing Cash Flow24.90M4.20M10.00M50.40M42.40M39.50M41.10M72.00M82.80M41.40M30.41M24.36M69.95M57.39M41.97M93.22M182.75M312.13M94.22M-98.13M-286.16M-372.32M-57.48M18.09M-6.95M44.79M282.85M-301.47M708.83M188.11M1.40B1.76B167.64M132.21M459.30M441.24M
Capital Expenditure1.40M1.50M2.10M1.40M2.20M5.10M2.90M4.00M5.40M3.50M4.17M1.41M3.97M5.18M4.49M7.98M3.26M5.13M4.28M1.11M11.76M6.33M17.59M8.05M22.18M25.16M13.56M13.05M22.36M34.97M28.27M20.52M14.84M21.63M13.64M33.72M
Free Cash Flow8.30M7.70M5.40M15.10M10.10M9.30M12.10M10.50M10.10M12.50M14.79M4.24M22.92M18.87M21.50M41.73M30.80M38.14M58.32M48.59M88.69M146.80M160.12M145.24M102.50M227.46M150.24M194.00M59.75M128.66M53.97M122.14M559.21M126.92M115.78M237.75M
Dividends Paid1.80M2.00M2.10M2.20M2.40M-2.90M3.50M4.30M5.20M5.34M5.62M5.83M6.23M7.07M10.92M9.77M12.58M14.32M14.36M15.71M17.07M17.12M19.30M21.52M24.56M29.73M34.42M43.61M50.90M50.13M50.02M49.99M50.28M53.73M78.60M
FCF to OCF85.57%83.70%72.00%91.52%82.11%64.58%80.67%72.41%65.16%78.13%78.01%75.08%85.22%78.48%82.71%83.95%90.44%88.16%93.16%97.76%88.30%95.86%90.10%94.75%82.21%90.04%91.72%93.70%72.77%78.63%65.63%85.62%97.42%85.44%89.46%87.58%
Dividend Paid to FCF21.69%25.97%38.89%14.57%23.76%-23.97%33.33%42.57%41.60%36.10%132.40%25.42%33.00%32.87%26.18%31.73%32.98%24.56%29.56%17.71%11.63%10.69%13.29%20.99%10.80%19.79%17.74%72.99%39.56%92.89%40.95%8.94%39.62%46.40%33.06%

Earnings

Report DateOct 17, 1996Feb 24, 1997Sep 12, 1997Oct 22, 1997Jan 26, 1998Mar 31, 1998Jun 30, 1998Sep 30, 1998Dec 31, 1998Apr 23, 1999Sep 29, 1999Oct 26, 1999Mar 15, 2000Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jul 19, 2001Oct 18, 2001Jan 16, 2002Apr 16, 2002Jul 17, 2002Oct 16, 2002Jan 22, 2003Apr 16, 2003Jul 16, 2003Oct 22, 2003Jan 21, 2004Apr 21, 2004Jul 21, 2004Oct 19, 2004Jan 18, 2005Apr 19, 2005Jul 19, 2005Oct 18, 2005Jan 17, 2006Apr 18, 2006Jul 18, 2006Oct 17, 2006Jan 17, 2007Apr 17, 2007Jul 25, 2007Oct 16, 2007Jan 15, 2008Apr 15, 2008Jul 15, 2008Oct 21, 2008Jan 20, 2009Apr 21, 2009Jul 21, 2009Oct 20, 2009Jan 19, 2010Apr 20, 2010Jul 20, 2010Oct 19, 2010Jan 18, 2011Apr 19, 2011Jul 19, 2011Oct 18, 2011Jan 17, 2012Apr 24, 2012Jul 17, 2012Oct 16, 2012Jan 15, 2013Apr 23, 2013Jul 16, 2013Oct 15, 2013Jan 21, 2014Apr 22, 2014Jul 15, 2014Oct 21, 2014Jan 20, 2015Apr 28, 2015Jul 21, 2015Oct 20, 2015Jan 19, 2016Apr 26, 2016Jul 19, 2016Oct 18, 2016Jan 17, 2017Apr 25, 2017Jul 18, 2017Oct 17, 2017Jan 16, 2018Apr 24, 2018Jul 17, 2018Oct 22, 2018Jan 22, 2019Apr 23, 2019Jul 22, 2019Oct 21, 2019Jan 21, 2020Apr 28, 2020Jul 27, 2020Oct 27, 2020Jan 26, 2021Apr 27, 2021Jul 27, 2021Oct 28, 2021Jan 25, 2022Apr 26, 2022Jul 26, 2022Oct 25, 2022Jan 24, 2023Apr 25, 2023Jul 25, 2023Oct 24, 2023Jan 23, 2024Apr 23, 2024Jul 23, 2024Oct 22, 2024Jan 28, 2025Apr 22, 2025Jul 22, 2025Oct 28, 2025Jan 27, 2026Apr 28, 2026Jul 28, 2026Oct 27, 2026
EPS Estimate0.180.180.200.200.20----0.260.270.270.28-----0.230.260.280.270.320.360.360.360.360.370.370.370.380.370.370.350.370.380.400.400.400.480.430.420.430.380.400.390.380.370.180.200.180.190.190.180.210.190.190.180.220.250.210.230.240.250.280.280.320.330.380.400.440.480.500.480.510.530.550.540.570.580.570.530.570.610.630.680.740.770.780.770.820.740.660.550.290.510.590.650.760.660.640.570.640.780.870.810.750.690.640.630.660.630.610.610.730.780.800.840.910.94
EPS Actual0.170.170.200.190.220.220.210.220.220.250.230.230.230.230.200.210.170.240.270.290.300.320.360.360.360.360.360.360.370.380.410.360.370.370.370.400.400.370.450.420.440.440.410.410.410.390.380.360.010.280.200.200.190.170.180.810.190.300.230.270.230.270.250.280.290.300.330.350.400.430.470.490.500.490.520.530.550.540.570.590.590.550.610.620.640.700.750.780.780.770.800.680.660.200.520.530.680.850.730.710.680.600.720.790.890.820.830.750.760.650.690.700.730.660.690.770.910.930.94-
Surprise-5.56%-5.56%0.00%-5.00%10.00%-----3.85%-14.81%-14.81%-17.86%-----17.39%11.54%7.14%18.52%12.50%0.00%0.00%0.00%0.00%-2.70%0.00%2.70%7.89%-2.70%0.00%5.71%0.00%5.26%0.00%-7.50%12.50%-12.50%2.33%4.76%-4.65%7.89%2.50%0.00%0.00%-2.70%-94.44%40.00%11.11%5.26%0.00%-5.56%-14.29%326.32%0.00%66.67%4.55%8.00%9.52%17.39%4.17%12.00%3.57%7.14%3.13%6.06%5.26%7.50%6.82%2.08%0.00%2.08%1.96%0.00%0.00%0.00%0.00%1.72%3.51%3.77%7.02%1.64%1.59%2.94%1.35%1.30%0.00%0.00%-2.44%-8.11%0.00%-63.64%79.31%3.92%15.25%30.77%-3.95%7.58%6.25%5.26%12.50%1.28%2.30%1.23%10.67%8.70%18.75%3.17%4.55%11.11%19.67%8.20%-5.48%-1.28%13.75%10.71%3.30%-
Timing----------After-hours----------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap3.69B
Enterprise Value3.92B
Trailing P/E11.80
Forward P/E10.42
PEG Ratio1.79
Price / Sales3.47
Price / Book0.94
EPS3.42
Book Value42.36
Revenue (TTM)1.06B
Gross Profit (TTM)1.06B
Profit Margin29.56%
Operating Margin43.48%
Return on Equity8.21%
Return on Assets1.17%
Shares Outstanding91.40M
Shares Float89.49M
Beta0.98
Dividend Yield2.38%
Dividend Rate0.96
Payout Ratio26.48%

Analyst Ratings

Buy
Based on 6 analystsTarget 48.14
  • Strong Buy
    2
  • Buy
    2
  • Hold
    2

Ownership Breakdown

Institutions
92.37%
Insiders
1.85%
Retail / Other
5.78%

Top Institutional Holders

  • BlackRock Inc
    13.63M14.91%
  • Vanguard Portfolio Management, LLC
    5.81M6.36%
  • Wellington Management Company LLP
    5.78M6.32%
  • Dimensional Fund Advisors, Inc.
    5.41M5.92%
  • State Street Corp
    4.85M5.31%
  • Vanguard Capital Management, LLC
    4.25M4.65%
  • Victory Capital Management Inc.
    2.72M2.97%
  • Amvescap Plc.
    2.62M2.86%
  • Geode Capital Management, LLC
    2.31M2.53%
  • Principal Financial Group Inc
    2.05M2.24%
  • Westwood Holdings Group Inc
    1.98M2.16%
  • Delaware Management Holdings Inc
    1.81M1.98%
  • Frontier Capital Management CO Inc
    1.78M1.95%
  • Channing Capital Management, LLC
    1.51M1.65%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    5.62M6.14%
  • Vanguard MStar Total Stk Mkt Idx Invest
    2.94M3.22%
  • Invesco Small Cap Value A
    2.49M2.73%
  • iShares Russell 2000 ETF
    2.39M2.61%
  • Vanguard Small Cap Index
    2.13M2.33%
  • Victory Sycamore Small Company Opp R
    1.77M1.94%

Dividends

20263×
0.24Sep 16, 20260.24Jun 16, 20260.23Mar 17, 2026
20254×
0.23Dec 18, 20250.22Sep 16, 20250.22Jun 16, 20250.22Mar 17, 2025
20244×
0.22Dec 18, 20240.22Sep 16, 20240.22Jun 14, 20240.22Mar 14, 2024
20234×
0.22Dec 15, 20230.22Sep 14, 20230.22Jun 15, 20230.22Mar 16, 2023
20224×
0.22Dec 15, 20220.22Sep 15, 20220.22Jun 15, 20220.22Mar 16, 2022
20214×
0.22Dec 16, 20210.22Sep 15, 20210.22Jun 15, 20210.22Mar 16, 2021
20201×
0.22Dec 17, 2020

Stock Splits

  • Aug 29, 20063:2
  • Dec 2, 20033:2
  • Jan 21, 19983:2
  • May 21, 19963:2
  • Jun 24, 199426:25