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Earnings transcript
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RNST
Renasant Corporation
$41.04
0.03
(0.07%)
| Exchange: | NYSE |
| Market Cap: | 3.751B |
| Shares Outstanding: | 12.713M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Kevin D. Chapman | |||||
| Full Time Employees: | 3000 | |||||
| Address: |
| |||||
| Website: | https://investors.renasant.com |
Renasant Corporation acts as the parent bank holding company for Renasant Bank, delivering a full spectrum of financial, wealth management, fiduciary, and insurance services to both individual consumers and business clients. Its operations are organized into three primary segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment offers a wide range of banking solutions, including checking and savings accounts, alongside various lending products such as business and personal loans, asset-based lending, and equipment leasing. It also provides specialized commercial, financial, and agricultural loans; equipment financing and leasing; real estate mortgages for 1-4 family and commercial properties; construction loans for single-family, multi-family, and commercial developments; installment loans for individuals; and interim construction financing. Supplementary services include safe deposit boxes, night depositories, ATMs, online and mobile banking, call center support, and treasury management. The Insurance segment functions as an insurance agency, supplying commercial and personal insurance products through a network of insurance carriers. The Wealth Management segment is dedicated to comprehensive wealth management and fiduciary services. This encompasses the administration and management of diverse trust accounts, including personal, corporate benefit, and custodial accounts, along with their accounting and financial oversight. Investment options, such as annuities and mutual funds, are facilitated through a third-party broker-dealer. Additionally, this segment oversees qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates. As of December 31, 2021, the company operated an extensive network of 189 banking, lending, and mortgage offices throughout Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee. This infrastructure included 150 full-service branches, 11 limited-service branches, 173 ATMs, and 38 interactive teller machines. Renasant Corporation was founded in 1904 and is based 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 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,153,131.064 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 1,166,934.316 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 1,160,613.833 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 328,595.748 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 332,529.117 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 330,728.035 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 366,299.459 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 379,585.524 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 372,942.492 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 392,778.578 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 397,480.231 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 395,327.353 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 3.930 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 3.990 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 3.850 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 5 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 6 | Research Access | Research Access | Research Access | Research 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.
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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
0.07
Trading Metrics:
| Open: | 40.77 | Previous Close: | 41.01 | |
| Day Low: | 40.51 | Day High: | 41.22 | |
| Year Low: | 33.04 | Year High: | 44.54 | |
| Price Avg 50: | 42.86 | Price Avg 200: | 39.19 | |
| Volume: | 638171 | Average Volume: | 686392 |
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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…
