📊 RNST Key Takeaways
Is Renasant Corp. (RNST) a Good Investment?
While Renasant exhibits exceptional 57% YoY revenue growth and robust free cash flow of $93.7M, fundamental profitability metrics are critically deficient. Return on Equity of 2.3% and Return on Assets of 0.3% are severely below banking industry standards, and an interest coverage ratio of 1.2x signals potential debt servicing stress.
Renasant delivers strong top-line growth, but earnings leverage is weak: net income is flat and diluted EPS declined sharply despite a 57% revenue increase. Profitability (ROE 4.7%, ROA 0.7%) and modest interest coverage indicate margin pressure from higher funding costs and/or elevated expenses. Solid liquidity and low long‑term debt support resilience while management improves efficiency and credit performance.
Why Buy Renasant Corp. Stock? RNST Key Strengths
- Strong revenue growth of 57% YoY indicates successful market expansion or acquisition integration
- Robust free cash flow generation of $93.7M with 27.7% FCF margin demonstrates cash earnings quality
- Conservative capital structure with Debt/Equity of 0.13x provides financial flexibility and stability
- Robust revenue growth momentum
- Solid capital and liquidity with low long-term debt
- Consistent free cash flow generation and positive net margin
RNST Stock Risks: Renasant Corp. Investment Risks
- Critically low interest coverage ratio of 1.2x indicates insufficient earnings to safely cover interest obligations
- Return on Equity of 2.3% far below banking sector norms (8-12%), signaling severe asset utilization problems
- Net income flat YoY despite 57% revenue growth reveals substantial operational inefficiencies or margin compression
- Net interest margin compression from higher deposit and funding costs
- Credit quality deterioration raising provisions and charge-offs
- Share dilution/inefficient capital use depressing EPS and ROE
Key Metrics to Watch
- Interest coverage ratio trend - must stabilize above 2.5x to indicate financial health
- Return on Equity trajectory - critical improvement needed toward 5%+ minimum for viability
- Net income growth rate - must correlate positively with revenue growth to justify growth investments
- Net interest margin (NIM) and deposit costs
- Provision for credit losses and nonperforming loans/charge-offs
Renasant Corp. (RNST) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 27.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
RNST Profit Margin, ROE & Profitability Analysis
RNST vs Finance Sector: How Renasant Corp. Compares
How Renasant Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Renasant Corp. Stock Overvalued? RNST Valuation Analysis 2026
Based on fundamental analysis, Renasant Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Renasant Corp. Balance Sheet: RNST Debt, Cash & Liquidity
RNST Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Renasant Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.56 reflects profitable operations.
RNST Revenue Growth, EPS Growth & YoY Performance
Renasant Corp. Dividends, Buybacks & Capital Allocation
RNST SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Renasant Corp. (CIK: 0000715072)
📋 Recent SEC Filings
❓ Frequently Asked Questions about RNST
What is the AI rating for RNST?
Renasant Corp. (RNST) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 67% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are RNST's key strengths?
Claude: Strong revenue growth of 57% YoY indicates successful market expansion or acquisition integration. Robust free cash flow generation of $93.7M with 27.7% FCF margin demonstrates cash earnings quality. ChatGPT: Robust revenue growth momentum. Solid capital and liquidity with low long-term debt.
What are the risks of investing in RNST?
Claude: Critically low interest coverage ratio of 1.2x indicates insufficient earnings to safely cover interest obligations. Return on Equity of 2.3% far below banking sector norms (8-12%), signaling severe asset utilization problems. ChatGPT: Net interest margin compression from higher deposit and funding costs. Credit quality deterioration raising provisions and charge-offs.
What is RNST's revenue and growth?
Renasant Corp. reported revenue of $338.1M.
Does RNST pay dividends?
Renasant Corp. pays dividends, with $21.6M distributed to shareholders in the trailing twelve months.
Where can I find RNST SEC filings?
Official SEC filings for Renasant Corp. (CIK: 0000715072) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is RNST's EPS?
Renasant Corp. has a diluted EPS of $0.94.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is RNST a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Renasant Corp. has a SELL rating with 67% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is RNST stock overvalued or undervalued?
Valuation metrics for RNST: ROE of 2.3% (sector avg: 12%), net margin of 26.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy RNST stock in 2026?
Our dual AI analysis gives Renasant Corp. a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is RNST's free cash flow?
Renasant Corp.'s operating cash flow is $100.1M, with capital expenditures of $6.3M. FCF margin is 27.7%.
How does RNST compare to other Finance stocks?
Vs Finance sector averages: Net margin 26.1% (avg: 25%), ROE 2.3% (avg: 12%), current ratio N/A (avg: 1.2).