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what it is
Renasant is a regional bank that takes deposits, makes loans, sells insurance, and lends against invoices and equipment.
how it gets paid
Last year Renasant made $1.3B in revenue. net interest income was the main engine at $0.85B, or 65% of sales.
why it's growing
Revenue grew 42.2% last year. The quarter-to-quarter pattern was uneven: 2024 EPS ran $0.70.
what just happened
Revenue hit $915M, while FY2024 EPS came in at $3.27 after a third-quarter spike to $1.18.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
65/100 earnings predictability — reasonably predictable
18.4x trailing p/e — priced about right
2.6% dividend yield — cash in your pocket every quarter
$3.27 fy2024 eps est
xvary composite: 60/100 — average
What they do
Renasant is a regional bank that takes deposits, makes loans, sells insurance, and lends against invoices and equipment.
Renasant wins by being boring in the right places. It has $26.7 billion in assets and 289 offices across the Southeast, which gives you local deposits and local loan relationships at scale. Community banking (taking deposits and making loans close to home → sticky customer money and repeat borrowers → cheaper funding) plus insurance adds a second paycheck when loan growth slows.
How they make money
$1.3B
annual revenue · their business grew +42.2% last year
net interest income
$0.85B
service charges and fees
$0.14B
insurance commissions
$0.13B
mortgage banking and wealth fees
$0.10B
factoring and asset-based lending fees
$0.08B
The products that matter
lends and gathers deposits
Commercial & Retail Banking
$1.0B · 77% of revenue
This is the core business. It produces $1.0B in net interest income and funds the dividend, but it also makes RNST highly exposed to rate moves.
core engine
advisory and fiduciary services
Wealth Management
part of $300M fee income
This matters because fee income is less tied to loan spreads. RNST needs more of this kind of revenue if it wants less dependence on the rate cycle.
fee cushion
insurance and other fees
Non-Interest Income
$300M · 23% of revenue
The whole fee bucket adds up to $300M. That's meaningful, but it is still small next to the $1.0B earned from spread income.
rate offset
Key numbers
$26.7B
assets
This is the scale of the banking machine. More assets usually mean more loans, more deposits, and more room to spread fixed costs.
289
offices
Branches sound old-school until you remember deposits still like convenience. This is physical distribution across the Southeast.
2.6%
dividend yield
You are getting paid while management works through the growth story, which matters when bank stocks stay cheap for a while.
$431M
long-term debt
Debt is 11% of capital, which says the balance sheet is using more deposits and equity than borrowed money.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 65 / 100
- long-term debt $431M (11% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for RNST right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $915M, while FY2024 EPS came in at $3.27 after a third-quarter spike to $1.18.
The quarter-to-quarter pattern was uneven: 2024 EPS ran $0.70, $0.69, $1.18, and $0.70 for the year. EDGAR shows latest-quarter revenue of $915 million and EPS of $1.20, while the consensus snapshot lists last earnings EPS at $0.63, so your clean takeaway is revenue surged but the reported EPS data is messy across sources.
$915M
revenue
$1.20
eps
+161%
revenue vs. last year
the number that mattered
$915 million matters because annual revenue was $1.3 billion, so one quarter carried about 70% of the full-year total and tells you acquisition effects were doing heavy lifting.
source: company earnings report, 2026
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What could go wrong
the top risk is net interest margin pressure from rate moves and deposit costs.
high
Interest Rate Sensitivity
A 1–2% shift in rates could pressure the net interest margin that drives 77% of revenue. When your main profit engine is spread income, policy moves travel fast.
Could reduce net interest income by 10–15%
med
M&A Integration Risk
The First Bancshares integration adds execution risk. Banks love the spreadsheet version of a deal. Customers and systems are where the work starts.
Integration costs could pressure near-term earnings by 5–10%
low
Regional Economic Concentration
RNST is tied to Southeastern markets. That local knowledge helps on the way up, but it also means you get less geographic diversification if credit conditions weaken there.
A local downturn could hit the loan book harder than a nationally diversified bank
A 1–2% rate move could pressure the margin behind roughly 77% of revenue and cut net interest income by 10–15%.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
april 28 report
The next print is scheduled for April 28, 2026. You want to see whether the Q1 beat turns into a pattern, not a one-off.
profitability
return on equity
At 7.53%, ROE is fine but not special. If that number does not improve, the 18.4x multiple gets harder to defend.
integration
First Bancshares execution
Watch whether integration costs stay contained. Deals are easy to announce and expensive to mishandle.
rates
net interest income trend
With $1.0B of revenue tied to net interest income, changes in loan yields and deposit costs still set the tone.
Analyst rankings
earnings predictability
65 / 100
RNST sits in the middle. In human-speak: analysts think the numbers are reasonably stable, but not stable enough to stop surprises.
analyst target view
$44.43
Seven analysts see upside from $36.58 to $44.43. That is optimism, not certainty — price targets tend to follow the story, not lead it.
source: institutional data
Institutional activity
institutional ownership data for RNST is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$37
current price
n/a
target midpoint · n/a from current
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