📊 RNST Key Takeaways
Is RNST a Good Investment? Thesis Analysis
Renasant demonstrates strong revenue growth (+57% YoY) and solid free cash flow generation, but profitability quality is deteriorating significantly with net income flat despite the major revenue expansion. Weak returns on equity (4.7%) and assets (0.7%) relative to banking industry standards indicate operational efficiency challenges requiring urgent improvement.
Why Buy RNST? Key Strengths
- Exceptional revenue growth of 57% YoY demonstrating strong market positioning and expansion
- Robust free cash flow generation of $237.8M with healthy 18.8% FCF margin showing cash conversion quality
- Conservative balance sheet with low leverage (0.13x Debt/Equity), minimal debt burden ($499.8M long-term), and solid $1.1B cash position
- Respectable operating margin of 18.0% and net margin of 14.4%
RNST Investment Risks to Consider
- Critical profitability deterioration: net income completely flat despite 57% revenue growth indicates serious cost control or integration challenges
- Severely depressed returns: ROE of 4.7% and ROA of 0.7% far below 10%+ bank industry standards, suggesting poor capital deployment efficiency
- EPS declined 36.7% YoY despite flat net income, indicating significant shareholder dilution from stock issuance or share count reduction
- Interest coverage ratio of 2.5x provides limited buffer for rising rates or credit deterioration typical in banking cycles
Key Metrics to Watch
- Net income growth acceleration relative to revenue growth trajectory
- Return on equity progression toward 8-10% minimum bank industry benchmark
- Net interest margin trends and asset quality indicators (NPL ratios, charge-offs)
- Operating expense ratio and efficiency metrics to diagnose profitability compression root cause
RNST Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
RNST Profitability Ratios
RNST vs Finance Sector
How RENASANT CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is RNST Overvalued or Undervalued?
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.
RNST Balance Sheet & Liquidity
RNST 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
RNST Capital Allocation
RNST SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for RENASANT CORP (CIK: 0000715072)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775077001.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775070249.xml | View → |
| Mar 23, 2026 | 4 | xslF345X06/wk-form4_1774287782.xml | View → |
| Mar 23, 2026 | 4 | xslF345X06/wk-form4_1774287690.xml | View → |
| Mar 23, 2026 | 4 | xslF345X06/wk-form4_1774287585.xml | View → |
❓ Frequently Asked Questions about RNST
What is the AI rating for RNST?
RENASANT CORP (RNST) has an AI rating of HOLD with 70% confidence, based on fundamental analysis of SEC EDGAR filings.
What are RNST's key strengths?
Claude: Exceptional revenue growth of 57% YoY demonstrating strong market positioning and expansion. Robust free cash flow generation of $237.8M with healthy 18.8% FCF margin showing cash conversion quality.
What are the risks of investing in RNST?
Claude: Critical profitability deterioration: net income completely flat despite 57% revenue growth indicates serious cost control or integration challenges. Severely depressed returns: ROE of 4.7% and ROA of 0.7% far below 10%+ bank industry standards, suggesting poor capital deployment efficiency.
What is RNST's revenue and growth?
RENASANT CORP reported revenue of $1.3B.
Does RNST pay dividends?
RENASANT CORP pays dividends, with $78.6M 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 $2.07.
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 April 2026, RENASANT CORP has a HOLD rating with 70% 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 4.7% (sector avg: 12%), net margin of 14.4% (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 HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is RNST's free cash flow?
RENASANT CORP's operating cash flow is $271.5M, with capital expenditures of $33.7M. FCF margin is 18.8%.
How does RNST compare to other Finance stocks?
Vs Finance sector averages: Net margin 14.4% (avg: 25%), ROE 4.7% (avg: 12%), current ratio N/A (avg: 1.2).