Reliant Bancorp, Inc. (RBNC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Reliant Bancorp, Inc. (RBNC) trades at $35.50 with AI Score 60/100 (Grade B+). Reliant Bancorp, Inc. is a financial holding company operating primarily in Middle Tennessee and Arkansas. Sector: Financial services.
Last analyzed: May 4, 2026Analyst Coverage for RBNC: RBNC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates RBNC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
RBNC: 3/3 perspectives are bullish. Dominant signal: Moon AI bullish.
Reliant Bancorp, Inc. (RBNC) Financial Services Profile
Reliant Bancorp, Inc., operating as Reliant Bank, delivers commercial and retail banking services across Middle Tennessee and Arkansas. With a focus on community banking, Reliant offers diverse deposit and loan products, leveraging its regional presence and mortgage origination capabilities to serve businesses and individuals, achieving a profit margin of 24.2%.
What Is the Investment Thesis for RBNC?
Reliant Bancorp, Inc. presents a notable research candidate within the regional banking sector. With a P/E ratio of 17.45 and a profit margin of 24.2%, the company demonstrates solid profitability. Growth catalysts include expansion of its loan portfolio, particularly in commercial and real estate lending, and increased fee income from its mortgage banking operations. The company's focus on the Middle Tennessee and Arkansas markets provides a stable customer base. Key risks include interest rate sensitivity and competition from larger regional and national banks. Reliant's dividend yield of 0.34% provides a modest income stream for investors.
Based on FMP financials and quantitative analysis
RBNC Key Highlights
- Profit Margin of 24.2% indicates strong operational efficiency and profitability compared to some regional banking peers.
- Gross Margin of 100.0% reflects the nature of the banking business model, where revenue is primarily derived from interest income and fees.
- P/E Ratio of 17.45 suggests the company is reasonably valued relative to its earnings.
- Dividend Yield of 0.34% provides a modest return to shareholders, indicating a commitment to returning capital.
- Beta of 0.97 indicates that the stock's price is slightly less volatile than the overall market.
Who Are RBNC's Competitors?
RBNC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FFWM First Foundation Inc. | $5.90 | +2.43% | $489.27M | 59 |
| WSBC WesBanco, Inc. | $36.03 | +0.73% | $3.47B | 63 |
| PB Prosperity Bancshares, Inc. | $72.47 | +1.29% | $7.31B | 46 |
| MCHB Mechanics Bank | $15.48 | +2.05% | $3.41B | 71 |
| STLE Steele Bancorp Inc. | $41.66 | +0.27% | $77.43M | 69 |
| NASB NASB Financial, Inc. | $40.50 | +0.00% | $290.65M | 68 |
| LRBI Lake Ridge Bancorp Inc. | $144.00 | +0.00% | $283.20M | 67 |
| PPERF PT Bank Mandiri (Persero) Tbk | $0.20 | +0.00% | $19.09B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are RBNC's Key Strengths?
- Strong regional presence in Middle Tennessee and Arkansas.
- Diversified loan portfolio.
- Experienced management team.
- Solid profitability metrics.
What Are RBNC's Weaknesses?
- Limited geographic diversification.
- Reliance on interest income.
- Smaller scale compared to larger regional banks.
- Vulnerability to interest rate fluctuations.
What Could Drive RBNC Stock Higher?
- Expansion of commercial lending activities targeting small and medium-sized businesses.
- Increased mortgage origination volume driven by low interest rates and housing market demand.
- Potential strategic acquisitions of smaller community banks to expand geographic footprint (12-24 months).
- Growth in digital banking adoption, enhancing customer experience and reducing operational costs.
What Are the Key Risks for RBNC?
- Economic downturn in the Southeast region impacting loan demand and credit quality.
- Competition from larger regional and national banks with greater resources.
- Regulatory changes increasing compliance costs and impacting profitability.
- Interest rate fluctuations affecting net interest margin and profitability.
- Cybersecurity threats and data breaches compromising customer information and financial stability.
What Are the Growth Opportunities for RBNC?
- Expansion of Commercial Lending: Reliant Bancorp, Inc. has an opportunity to grow its commercial lending portfolio by targeting small and medium-sized businesses in Middle Tennessee and Arkansas. The market for commercial loans in these regions is estimated at $5 billion, with a projected annual growth rate of 4%. By offering competitive rates and personalized service, Reliant can increase its market share and drive revenue growth. Timeline: Ongoing.
- Increased Mortgage Origination: Reliant can capitalize on the demand for residential mortgages by expanding its mortgage origination operations. The residential mortgage market in Tennessee and Arkansas is valued at $8 billion annually. By leveraging its existing mortgage offices and developing partnerships with real estate agents, Reliant can increase its mortgage volume and generate fee income. Timeline: Ongoing.
- Digital Banking Adoption: Reliant has the opportunity to enhance its digital banking platform to attract and retain customers. The adoption of digital banking services is increasing rapidly, with a projected market size of $10 billion by 2028. By offering user-friendly mobile and online banking solutions, Reliant can improve customer satisfaction and reduce operational costs. Timeline: Ongoing.
- Strategic Acquisitions: Reliant can pursue strategic acquisitions of smaller community banks or credit unions to expand its geographic footprint and market share. The market for community bank acquisitions is active, with several potential targets in the Southeast region. By acquiring complementary businesses, Reliant can achieve economies of scale and diversify its revenue streams. Timeline: Upcoming: 12-24 months.
- Wealth Management Services: Reliant can expand its wealth management services to cater to high-net-worth individuals and families. The wealth management market in Middle Tennessee is estimated at $3 billion, with a projected annual growth rate of 6%. By offering financial planning, investment management, and trust services, Reliant can generate fee income and build long-term customer relationships. Timeline: Upcoming: 18-36 months.
What Opportunities Does RBNC Have?
- Expansion of commercial lending activities.
- Increased mortgage origination volume.
- Strategic acquisitions of smaller banks.
- Growth in wealth management services.
What Threats Does RBNC Face?
- Competition from larger regional and national banks.
- Economic downturn in the Southeast region.
- Regulatory changes and compliance costs.
- Cybersecurity risks.
What Are RBNC's Competitive Advantages?
- Strong regional presence in Middle Tennessee and Arkansas.
- Established relationships with local businesses and communities.
- Focus on personalized service and local expertise.
- Diversified loan portfolio across various sectors.
What Does RBNC Do?
Reliant Bancorp, Inc., founded in 2006 and headquartered in Brentwood, Tennessee, operates as the financial holding company for Reliant Bank. The bank provides a comprehensive suite of commercial banking services tailored to businesses and individuals. Reliant operates through two segments: Retail Banking and Residential Mortgage Banking. The Retail Banking segment offers a variety of deposit accounts, including checking, savings, money market accounts, and certificates of deposit. It also provides a range of lending products, such as commercial, industrial, agricultural, residential, and real estate loans. The Residential Mortgage Banking segment focuses on originating traditional first lien residential mortgage loans and home equity lines of credit. Reliant Bank distinguishes itself through its commitment to community banking, offering personalized service and local expertise. As of December 31, 2020, Reliant operated 27 full-service branch offices in Middle Tennessee, 7 mortgage offices in Tennessee and Arkansas, and 1 loan production office in Knoxville, Tennessee. The company has evolved from its origins as Commerce Union Bancshares, Inc., rebranding as Reliant Bancorp, Inc. in January 2018 to reflect its strategic direction and expanded service offerings. Reliant Bancorp, Inc. leverages technology to provide convenient banking solutions, including debit cards, mobile deposit options, online banking, and mobile banking.
What Products and Services Does RBNC Offer?
- Provides commercial banking services to businesses and individuals.
- Offers checking, savings, and money market deposit accounts.
- Provides certificates of deposit and time deposits.
- Offers commercial, industrial, and agricultural loans.
- Provides 1-4 family residential, HELOC, multi-family, and commercial real estate loans.
- Originates traditional first lien residential mortgage loans and home equity lines of credit.
- Provides debit cards and mobile deposit options.
- Offers online, telephone, and mobile banking services.
How Does RBNC Make Money?
- Generates revenue through interest income from loans.
- Earns fee income from mortgage origination and servicing.
- Collects service charges on deposit accounts.
- Manages risk through credit analysis and loan diversification.
What Industry Does RBNC Operate In?
The regional banking sector is characterized by intense competition and evolving regulatory landscapes. Reliant Bancorp, Inc. operates in a market driven by economic growth in the Middle Tennessee and Arkansas regions. The industry is influenced by factors such as interest rate fluctuations, loan demand, and regulatory changes. Reliant competes with other regional banks, credit unions, and national financial institutions. The market is seeing increased adoption of digital banking solutions, requiring companies like Reliant to invest in technology to remain competitive. The regional banking sector is projected to grow at a moderate pace, driven by increased lending activity and economic expansion.
Who Are RBNC's Key Customers?
- Small and medium-sized businesses in Middle Tennessee and Arkansas.
- Individual consumers seeking personal banking services.
- Residential mortgage borrowers.
- Commercial real estate developers and investors.
RBNC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that leadership believes in the growth potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong customer service and community involvement.
- Analysts are noting the bank's robust loan growth, which is seen as a sign of increasing market share and customer trust.
- Market perception has improved as Reliant Bancorp continues to expand its footprint in strategic regions, attracting new clients.
Bear Case
- Concerns about rising interest rates could impact the bank's net interest margin, leading to potential profitability challenges.
- Negative sentiment has emerged around the broader banking sector, with some investors wary of regulatory pressures and economic uncertainty.
- Recent discussions indicate skepticism about the bank's ability to compete with larger institutions, which may limit growth opportunities.
- Insider selling has raised eyebrows, leading to speculation about potential underlying issues within the company's operations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
RBNC Latest News
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· Mar 2, 2021
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· Mar 18, 2020
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RBNC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for RBNC.
Price Targets
Wall Street price target analysis for RBNC.
RBNC MoonshotScore
What does this score mean?
The MoonshotScore rates RBNC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: DeVan D. Ard Jr.
CEO
DeVan D. Ard Jr. serves as the CEO of Reliant Bancorp, Inc., bringing extensive experience in the banking and financial services industry. His career includes leadership roles in various financial institutions, focusing on commercial lending, risk management, and strategic planning. Ard's background encompasses a deep understanding of community banking and a commitment to fostering strong customer relationships. He is actively involved in community development initiatives and serves on several boards and committees.
Track Record: Under DeVan D. Ard Jr.'s leadership, Reliant Bancorp, Inc. has focused on expanding its market share in Middle Tennessee and Arkansas. Key achievements include growing the loan portfolio, improving operational efficiency, and enhancing the company's digital banking platform. Ard has overseen strategic initiatives to diversify revenue streams and strengthen the bank's financial performance. He manages 419 employees.
Reliant Bancorp, Inc. Financial Services Stock: Key Questions Answered
What does Reliant Bancorp, Inc. do?
Reliant Bancorp, Inc. operates as the financial holding company for Reliant Bank, providing a range of commercial banking services to businesses and individuals. The company focuses on retail and residential mortgage banking, offering deposit accounts, commercial loans, residential mortgages, and digital banking services. Reliant Bank operates primarily in Middle Tennessee and Arkansas, emphasizing community banking and personalized service to build long-term customer relationships. The company's business model centers on generating revenue through interest income from loans and fees from various banking services.
What do analysts say about RBNC stock?
Analyst coverage of Reliant Bancorp, Inc. (RBNC) typically focuses on the company's regional market position, loan growth, and profitability. Key valuation metrics include the price-to-earnings (P/E) ratio, which stands at 17.45, and the dividend yield, at 0.34%. Analyst consensus generally reflects expectations of moderate growth driven by expansion in commercial lending and mortgage origination. Considerations include the impact of interest rate fluctuations and competition from larger regional banks. Analyst ratings and price targets vary, reflecting different perspectives on the company's growth potential and risk profile. No buy or sell recommendations are made.
What are the main risks for RBNC?
Reliant Bancorp, Inc. faces several key risks, including economic conditions in its primary markets of Middle Tennessee and Arkansas, which can impact loan demand and credit quality. Competition from larger regional and national banks poses a threat to market share and profitability. Regulatory changes and compliance costs can increase operational expenses. Interest rate fluctuations can affect net interest margin and profitability. Cybersecurity threats and data breaches present ongoing risks to customer information and financial stability. These risks require proactive management and strategic mitigation efforts to ensure the company's long-term success.
How does Reliant Bancorp, Inc. make money in financial services?
Reliant Bancorp, Inc. generates revenue primarily through interest income from its loan portfolio, which includes commercial, industrial, agricultural, and residential loans. The company also earns fee income from mortgage origination and servicing activities. Additional revenue streams include service charges on deposit accounts and fees from other banking services, such as debit card transactions and online banking. Reliant's profitability is influenced by factors such as interest rate spreads, loan volume, and the efficiency of its operations. The company's diversified revenue model helps mitigate risks associated with fluctuations in specific market segments.
What regulatory challenges does Reliant Bancorp, Inc. face?
Reliant Bancorp, Inc. operates under a complex regulatory environment governed by federal and state banking regulations. Key regulatory challenges include maintaining adequate capital levels to meet regulatory requirements, complying with consumer protection laws, and adhering to anti-money laundering (AML) regulations. The company must also navigate regulations related to lending practices, data privacy, and cybersecurity. Compliance with these regulations requires significant investment in personnel, technology, and internal controls. Changes in regulatory requirements can impact the company's profitability and operational flexibility, necessitating ongoing monitoring and adaptation.
What are the key factors to evaluate for RBNC?
Reliant Bancorp, Inc. (RBNC) holds an AI score of 60/100 (moderate). P/E: 17.4x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does RBNC data refresh on this page?
RBNC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven RBNC's recent stock price performance?
Reliant Bancorp, Inc. (RBNC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Middle Tennessee and Arkansas. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on data available as of December 31, 2020.
- Forward-looking statements are subject to risks and uncertainties.