RNST Stock - Renasant Corporation
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $1.04B | $909.77M | $691.06M | $695.67M | $731.62M |
| Gross Profit | $653.18M | $616.19M | $606.68M | $653.15M | $573.44M |
| Gross Margin | 62.9% | 67.7% | 87.8% | 93.9% | 78.4% |
| Operating Income | $244.97M | $177.19M | $211.31M | $222.83M | $103.49M |
| Net Income | $195.46M | $144.68M | $166.07M | $175.89M | $83.65M |
| Net Margin | 18.8% | 15.9% | 24.0% | 25.3% | 11.4% |
| EPS | $3.29 | $2.58 | $2.97 | $3.13 | $1.49 |
Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, fiduciary, and insurance services to retail and commercial customers. It operates through three segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lending, and equipment leasing services, as well as safe deposit and night depository facilities. It also provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate1-4 family mortgage; real estatecommercial mortgage; real estateconstruction loans for the construction of single family residential properties, multi-family properties, and commercial projects; installment loans to individuals; and interim construction loans, as well as automated teller machine (ATM), online and mobile banking, call center, and treasury management services. The Insurance segment provides insurance agency services, such as commercial and personal insurance products through insurance carriers. The Wealth Management segment offers a range of wealth management and fiduciary services, including administration and management of trust accounts, such as personal and corporate benefit accounts, and custodial accounts, as well as accounting and money management for trust accounts; annuities, mutual funds, and other investment services through a third party broker-dealer; and qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates. As of December 31, 2021, the company operated a network of 189 banking, lending, and mortgage offices located in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee; 150 full-service branches and 11 limited-service branches; 173 ATMs; and 38 interactive teller machines. Renasant Corporation was founded in 1904 and is headquartered in Tupelo, Mississippi.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 30th 2025 | Hovde Group | Upgrade | Outperform | $41 |
| September 25th 2025 | TD Cowen | Initiation | Buy | $45 |
| July 23rd 2025 | Hovde Group | Reiterated | Market Perform | $39← $35 |
| April 28th 2025 | Hovde Group | Reiterated | Market Perform | $35← $34.5 |
| April 24th 2025 | Raymond James | Upgrade | Strong Buy | $40 |
| November 13th 2024 | Hovde Group | Downgrade | Market Perform | - |
| August 5th 2024 | Hovde Group | Upgrade | Outperform | $39← $38 |
| August 5th 2024 | Piper Sandler | Upgrade | Overweight | $40← $34 |
| July 31st 2024 | Stephens | Upgrade | Overweight | $41← $34 |
| July 31st 2024 | Raymond James | Upgrade | Outperform | $39 |
| July 25th 2024 | Hovde Group | Downgrade | Market Perform | $38← $36 |
| April 6th 2023 | Raymond James | Downgrade | Market Perform | - |
| October 27th 2022 | Raymond James | Upgrade | Outperform | $41 |
| June 21st 2022 | Hovde Group | Upgrade | Outperform | $34 |
Earnings History & Surprises
RNSTEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 20, 2026 | — | — | — | — |
Q1 2026 | Jan 27, 2026 | $0.80 | — | — | — |
Q4 2025 | Oct 28, 2025 | $0.67 | $0.77 | +14.4% | ✓ BEAT |
Q3 2025 | Jul 22, 2025 | $0.74 | $0.69 | -6.8% | ✗ MISS |
Q2 2025 | Apr 22, 2025 | $0.60 | $0.66 | +10.0% | ✓ BEAT |
Q1 2025 | Jan 28, 2025 | $0.61 | $0.73 | +19.7% | ✓ BEAT |
Q4 2024 | Oct 22, 2024 | $1.25 | $0.70 | -44.0% | ✗ MISS |
Q3 2024 | Jul 23, 2024 | $0.66 | $0.69 | +4.5% | ✓ BEAT |
Q2 2024 | Apr 23, 2024 | $0.63 | $0.65 | +3.2% | ✓ BEAT |
Q1 2024 | Jan 23, 2024 | $0.64 | $0.76 | +18.8% | ✓ BEAT |
Q4 2023 | Oct 24, 2023 | $0.69 | $0.75 | +8.7% | ✓ BEAT |
Q3 2023 | Jul 25, 2023 | $0.75 | $0.83 | +10.7% | ✓ BEAT |
Q2 2023 | Apr 25, 2023 | $0.81 | $0.82 | +1.2% | ✓ BEAT |
Q1 2023 | Jan 24, 2023 | $0.87 | $0.89 | +2.3% | ✓ BEAT |
Q4 2022 | Oct 25, 2022 | $0.77 | $0.79 | +2.6% | ✓ BEAT |
Q3 2022 | Jul 26, 2022 | $0.64 | $0.72 | +12.5% | ✓ BEAT |
Q2 2022 | Apr 26, 2022 | $0.58 | $0.60 | +3.4% | ✓ BEAT |
Q1 2022 | Jan 25, 2022 | $0.64 | $0.68 | +6.3% | ✓ BEAT |
Q4 2021 | Oct 28, 2021 | $0.66 | $0.71 | +7.6% | ✓ BEAT |
Q3 2021 | Jul 27, 2021 | $0.78 | $0.72 | -7.7% | ✗ MISS |
Latest News
TD Cowen Maintains Buy on Renasant, Raises Price Target to $45
📈 PositiveTD Cowen Maintains Buy on Renasant, Lowers Price Target to $44
➖ NeutralHovde Group Upgrades Renasant to Outperform, Raises Price Target to $41
📈 PositiveReported Earlier, Renasant Increases Quarterly Dividend By $0.01 To $0.23 Per Share, Payable January 1, 2026
📈 PositiveRenasant Q3 Adj. EPS $0.77 Misses $0.79 Estimate, Sales $351.098M Beat $272.932M Estimate
➖ NeutralTD Cowen Initiates Coverage On Renasant with Buy Rating, Announces Price Target of $45
📈 PositiveFrequently Asked Questions about RNST
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