Renasant Corporation (RNST) Stock Analysis
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.
Renasant Corporation (RNST) trades at $41.50 with AI Score 71/100 (Grade A). Renasant Corporation is a regional bank holding company providing a wide range of financial services, including banking, wealth management, and insurance. Market cap: $3.79B, Sector: Financial services.
Price as of Aug 22, 2026 · Last analyzed: May 10, 2026Analyst Coverage for RNST: RNST 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 RNST against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
RNST: 2/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Renasant Corporation (RNST) Financial Services Profile
Renasant Corporation is a regional bank holding company that offers comprehensive financial services, including retail and commercial banking, wealth management, and insurance, primarily in the Southeastern United States, emphasizing customer service and community engagement.
What Is the Investment Thesis for RNST?
Renasant Corporation's investment thesis is supported by its solid financial metrics, including a market capitalization of $3.79B and a P/E ratio of 17.1, indicating reasonable valuation relative to earnings. The company has a profit margin of 15.4% and a gross margin of 59.5%, which are competitive within the regional banking sector. Growth catalysts include the expansion of its branch network and the increasing demand for wealth management services as demographics shift towards an aging population seeking financial planning. Additionally, Renasant's focus on insurance services provides a diversified revenue stream that can enhance profitability. However, potential risks include regulatory changes affecting capital requirements and interest rate fluctuations that could impact net interest margins.
Based on FMP financials and quantitative analysis
RNST Key Highlights
Market Cap of $3.79B reflects strong regional presence and growth potential.
- P/E ratio of 17.1 indicates competitive valuation in the regional banking sector.
- Profit margin of 15.4% demonstrates effective cost management and operational efficiency.
- Gross margin of 59.5% highlights strong revenue generation capabilities.
- Dividend yield of 2.24% provides a return to shareholders amidst steady earnings.
Who Are RNST's Competitors?
RNST is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| WBS Webster Financial Corporation | $77.57 | -0.51% | $12.6B | 86 |
| ASB Associated Banc-Corp | $30.84 | +0.26% | $5.82B | 94 |
| FULT Fulton Financial Corporation | $23.64 | +0.08% | $4.52B | 80 |
| FHB First Hawaiian, Inc. | $26.32 | -1.09% | $3.20B | 74 |
| FIBK First Interstate BancSystem, Inc. | $37.49 | -0.85% | $3.64B | 71 |
| WSBC WesBanco, Inc. | $40.86 | -0.05% | $3.92B | 96 |
| WSFS WSFS Financial Corporation | $79.88 | -0.03% | $4.16B | 92 |
| CATY Cathay General Bancorp | $62.37 | -0.08% | $4.18B | 98 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are RNST's Key Strengths?
Strong market presence with a network of 189 banking locations.
- Diverse revenue streams from banking, insurance, and wealth management.
- Solid financial performance with consistent profit margins.
What Are RNST's Weaknesses?
Regional focus may limit growth opportunities compared to national banks.
- Dependence on interest income makes it vulnerable to rate fluctuations.
- Potential challenges in scaling technology investments.
What Could Drive RNST Stock Higher?
Expansion of branch network targeting underserved markets over the next three years.
- Growth in wealth management services driven by demographic shifts.
- Investment in digital banking technologies to enhance customer experience.
What Are the Key Risks for RNST?
Financial-distress signal — its Altman Z-Score of 0.39 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes impacting capital requirements and compliance costs.
- Interest rate fluctuations affecting net interest margins and profitability.
- Economic downturns that could lead to increased loan defaults.
What Are the Growth Opportunities for RNST?
- Expansion of Branch Network: Renasant plans to increase its branch footprint in underserved markets across the Southeastern U.S., targeting a 10% increase in locations over the next three years. This expansion aims to capture new customers and enhance service accessibility, potentially increasing deposits and loan origination volumes significantly.
- Wealth Management Services Growth: With an increasing aging population, demand for wealth management and fiduciary services is rising. Renasant's wealth management segment is expected to grow by 15% annually as it expands its offerings and attracts high-net-worth clients, supported by a strong reputation in trust management.
- Insurance Services Diversification: The insurance segment is set to grow as Renasant enhances its product offerings and cross-sells to existing banking customers. The insurance market in the U.S. is projected to grow at a CAGR of 5% over the next five years, providing Renasant with opportunities to increase its market share.
- Technological Innovation: Renasant is investing in digital banking technologies to improve customer experience and operational efficiency. This includes enhancing its mobile banking platform and adopting advanced analytics to better serve customers, which could lead to increased customer retention and acquisition.
- Agricultural Lending Expansion: With a strong presence in agricultural regions, Renasant aims to expand its agricultural lending portfolio, which is expected to grow as demand for agricultural loans increases. This segment could see growth rates of up to 8% annually, driven by favorable commodity prices and increased farming activity.
What Threats Does RNST Face?
- Intense competition from both regional and national banks.
- Regulatory changes that could impact operational costs.
- Economic downturns affecting loan performance and credit quality.
What Are RNST's Competitive Advantages?
- Established brand reputation in the Southeastern U.S. enhances customer trust.
- Diverse service offerings reduce reliance on any single revenue stream.
- Strong community engagement fosters customer loyalty and retention.
- Robust technological infrastructure supports efficient operations and customer service.
What Does RNST Do?
Founded in 1904, Renasant Corporation is headquartered in Tupelo, Mississippi, and operates as a bank holding company for Renasant Bank. Over the years, Renasant has evolved from a small community bank into a significant regional financial institution, currently managing a network of 189 banking, lending, and mortgage offices across Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee. The company operates through three main segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment provides a full suite of banking services, including checking and savings accounts, various loan products, and treasury management services. The Insurance segment offers commercial and personal insurance products through its agency services, while the Wealth Management segment provides fiduciary services, trust account management, and investment services. Renasant's commitment to customer service and community involvement has solidified its reputation as a trusted financial partner in its operating regions, and its diversified service offerings position it well against competitors in the regional banking sector.
What Products and Services Does RNST Offer?
- Provide a range of banking services including checking and savings accounts.
- Offer personal and commercial loan products, including mortgages and equipment financing.
- Deliver wealth management and fiduciary services to individuals and businesses.
- Supply insurance products through its insurance agency services.
- Facilitate online and mobile banking for customer convenience.
- Manage a network of ATMs and interactive teller machines across multiple states.
How Does RNST Make Money?
- Generate revenue through interest income from loans and mortgages.
- Earn fees from wealth management and fiduciary services.
- Collect commissions from insurance products sold.
- Provide transaction services that generate non-interest income.
- Leverage a diversified portfolio to mitigate risks and enhance stability.
What Industry Does RNST Operate In?
The regional banking industry is characterized by a competitive landscape with numerous players vying for market share. Renasant Corporation operates in a growing market, with the regional banking sector expected to expand as consumer demand for personalized banking services increases. The industry is also experiencing a shift towards digital banking solutions, which Renasant is adapting to with its online and mobile banking services. The overall market for regional banks is projected to grow, driven by economic recovery and increased lending activities, positioning Renasant favorably among its peers.
Who Are RNST's Key Customers?
- Retail customers seeking personal banking and wealth management services.
- Small to medium-sized businesses requiring commercial banking solutions.
- Agricultural clients needing specialized lending and financial services.
- Individuals and corporations looking for insurance products.
- Trusts and estates requiring fiduciary management.
Renasant Corporation Financial Trajectory
Renasant Corporation (RNST) reported $122.0M in revenue for Q2 2026, a decline of 68.5% compared to the prior quarter. The company recorded net income of $87.1M, with diluted EPS of $0.94. Quarter-over-quarter revenue has been mixed, typical for a mid-cap company operating in Financial Services. Across the four most recent quarters, RNST averaged $0.83 in diluted EPS.
Company Profile
Renasant Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Tupelo, US. The company is led by CEO Kevin D. Chapman. RNST has traded publicly since 1992.
How Renasant Corporation Is Valued
Renasant Corporation carries a market capitalization of $3.79B, placing it in the mid-cap category. Relative to its peer group, RNST's quantitative score of 71/100 is roughly in line with the peer average of 81/100.
Key Financial Metrics
Return on equity for Renasant Corporation stands at 8.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. RNST trades at a trailing price-to-earnings ratio of 17.13, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 9.5%, a gauge of the cash the business throws off relative to its market value. A current ratio of 11.81 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 7.8%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Renasant Corporation's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.39 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Renasant Corporation has beaten Wall Street's EPS estimate in 7 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 7.1% above estimates on average.
Forward Outlook
Wall Street analysts project Renasant Corporation revenue of about $1.12B for fiscal 2026, with EPS near $3.78. The estimate reflects 5 contributing analysts.
RNST Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying indicates confidence in Renasant's growth potential, suggesting that leadership sees value in the current market.
- Community sentiment has shifted positively, with discussions highlighting Renasant's strong regional presence and customer loyalty.
- Analysts are noting improvements in loan growth, which may signal a recovery in demand for banking services.
- Market perception has been bolstered by Renasant's strategic initiatives aimed at expanding their service offerings.
Bear Case
- Concerns remain about the competitive landscape in the banking sector, with many believing that Renasant may struggle to differentiate itself.
- Social sentiment includes caution regarding potential economic headwinds that could impact lending and profitability.
- Recent discussions have pointed to regulatory challenges that could affect Renasant's operational flexibility.
- Some community members express skepticism about the sustainability of recent growth trends, fearing they may not hold in the long term.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $122M | $87M | $0.94 |
| Q1 2026 | $387M | $88M | $0.94 |
| Q4 2025 | $376M | $79M | $0.83 |
| Q3 2025 | $362M | $60M | $0.63 |
Based on FMP financials and quantitative analysis
RNST Latest News
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Earnings Scheduled For April 28, 2026
benzinga · Apr 28, 2026
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Stocks That Hit 52-Week Lows On Friday
· Feb 28, 2020
RNST Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for RNST.
Price Targets
Wall Street price target analysis for RNST.
RNST MoonshotScore
What does this score mean?
The MoonshotScore rates RNST 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Kevin D. Chapman
CEO
Kevin D. Chapman has been with Renasant Corporation for several years, bringing extensive experience in the financial services industry. He holds a degree in Finance and has held various leadership roles within the company, focusing on strategic growth and operational efficiency.
Track Record: Under Chapman's leadership, Renasant has successfully expanded its branch network and diversified its service offerings, resulting in consistent revenue growth and improved customer satisfaction.
What Investors Ask About Renasant Corporation (RNST) — Financial Services
What does the AI Score mean for RNST?
RNST holds an AI Score of 71/100 (Grade: A). This is an educational research signal, not a buy or sell recommendation. Renasant Corporation is a regional bank holding company providing a wide range of financial services, including banking, wealth management, and insurance. With a strong presence in the Southeastern …
What does Renasant Corporation do?
Renasant Corporation operates as a bank holding company for Renasant Bank, providing a range of financial services including retail and commercial banking, wealth management, and insurance. The company serves customers through a network of branches and offers various loan products, investment services, and insurance solutions.
What do analysts say about RNST stock?
Analysts generally view Renasant Corporation as a stable player in the regional banking sector, noting its solid financial metrics such as a P/E ratio of 17.1 and a profit margin of 15.4%. Growth considerations include its expanding wealth management services and branch network, although analysts remain cautious about potential regulatory challenges.
What are the main risks for RNST?
Key risks for Renasant Corporation include regulatory changes that may affect capital requirements and operational costs, as well as interest rate fluctuations that could impact net interest margins. Additionally, economic downturns pose a threat to loan performance and could lead to increased defaults, impacting overall profitability.
What are the key factors to evaluate for RNST?
Renasant Corporation (RNST) holds an AI score of 71/100 (high). P/E: 17.1x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does RNST data refresh on this page?
RNST's price was last updated on Aug 22, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven RNST's recent stock price performance?
Renasant Corporation (RNST) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market presence with a network of 189 banking locations. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider RNST overvalued or undervalued right now?
Renasant Corporation (RNST) trades at 17.1x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research RNST before investing?
Before investing in Renasant Corporation (RNST), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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.
- Data is based on the latest available information as of 2021 and may be subject to change.