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Earnings transcript
Read the complete earnings call transcript.
RNST
Renasant Corporation
$37.03
0.12
(0.33%)
| Exchange: | NYSE |
| Market Cap: | 3.486B |
| Shares Outstanding: | 12.713M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Kevin D. Chapman | |||||
| Full Time Employees: | 2200 | |||||
| Address: |
| |||||
| Website: | https://investors.renasant.com |
Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, fiduciary, and insurance services to retail and commercial customers. It operates through three segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lending, and 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 estate1-4 family mortgage; real estatecommercial mortgage; real estateconstruction 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 Insurance segment provides insurance agency services, such as commercial and personal insurance products through insurance carriers. 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; annuities, mutual funds, and other investment services through a third party broker-dealer; and qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates. As of December 31, 2021, the company operated a network of 189 banking, lending, and mortgage offices located in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee; 150 full-service branches and 11 limited-service branches; 173 ATMs; and 38 interactive teller machines. Renasant Corporation was founded in 1904 and is headquartered in Tupelo, Mississippi.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 909,774 | 1,038,032 | 1,444,139 |
| Gross Profit | 616,189 | 653,178 | 878,392 |
| EBITDA | 212,418 | 277,249 | 242,944 |
| Operating Income | 177,187 | 244,965 | 226,732 |
| Net Income | 144,678 | 195,457 | 181,272 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 17,360,535 | 18,034,868 | 26,751,426 |
| Total Liabilities | 15,063,152 | 15,356,550 | 22,866,521 |
| Total Stockholders Equity | 2,297,383 | 2,678,318 | 3,884,905 |
| Total Debt | 736,977 | 538,632 | 1,055,530 |
| Cash and Cash Equivalents | 801,351 | 1,092,032 | 1,070,718 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 148,553 | 129,426 | 271,471 |
| Capital Expenditure | -21,634 | -13,645 | 0 |
| Free Cash Flow | 126,919 | 115,781 | 271,471 |
| Net Income | 144,678 | 195,457 | 181,272 |
| Net Change in Cash | 225,359 | 290,681 | -21,314 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,166,294.451 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 1,217,002.905 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 1,186,577.833 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 332,346.781 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 346,796.641 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 338,126.726 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 351,511.575 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 380,647.648 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 354,500.430 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 397,262.281 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 414,534.553 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 404,171.190 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 3.850 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 4 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 3.690 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 5 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 6 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance in Q2 2025: Based on the earnings call transcript, Renasant Corporation reported earnings of $1 million for Q2 2025, reflecting positive net income. This indicates operational stability and the ability to generate profit amidst market conditions, a key strength for investor confidence.
- Strategic Merger Progress: The earnings call highlights ongoing efforts to complete systems conversion post-merger, suggesting potential for operational efficiencies and cost synergies. This positions RNST to enhance profitability once integration is fully realized.
- Positive Free Cash Flow: Historical cash flow statements indicate consistent free cash flow generation (specific figures to be derived from provided data). This provides financial flexibility for reinvestment, debt management, or shareholder returns, strengthening RNST’s balance sheet position.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates RNST intrinsic value between $23.17 – $28.51 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about RNST valuation
Is Renasant Corporation (RNST) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Renasant Corporation (RNST) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is RNST a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether RNST trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is RNST’s P/E ratio?
You can see RNST’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for RNST?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is RNST a good long-term investment?
Whether RNST fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
RNST
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Daily snapshot
0.33
Trading Metrics:
| Open: | 36.36 | Previous Close: | 36.91 | |
| Day Low: | 36.21 | Day High: | 37.06 | |
| Year Low: | 26.97 | Year High: | 42.11 | |
| Price Avg 50: | 37.93 | Price Avg 200: | 36.87 | |
| Volume: | 463398 | Average Volume: | 752390 |
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Login — it's freeRNST full analysis
Welcome to MARKETSNAP’s SWOT analysis for Renasant Corporation, ticker RNST! If you’re a long-term investor looking to dig into a regional banking player with some intriguing dynamics, you’ve come to the right place. Today, we’re breaking down the strengths, weaknesses, opportunities, and threats for Renasant, a financial institution that might not be a household name like the big Wall Street giants but has a solid footprint in the regional banking space. Let’s unpack what makes this company tick, look at…
