Renasant Corporation

RNST

NASDAQ · Regional Banks

$39.39

At close - Nov 6, 4:00 PM EST - USD

Market Cap$3.6B

P/E10.8x

52W High$44.54

Volume368.49K

VCP Research Verdict2026Q3

Stable Margins Meet Volatile Fee Income and Credit Normalization

Renasant's net interest income has plateaued near $223 million per quarter, suggesting loan repricing gains have been absorbed into a steady but non-compounding earnings base, with NIM holding in a narrow 0.7% to 0.9% band.

Explore valuation models

MARKET ACTION

RNST price & volume

Price trend, volume and key moving averages

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Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return

RNST+13.37%

S&P 500 (^GSPC)+7.63%

1-Year Return

RNST+18.37%

S&P 500 (^GSPC)+9.69%

3-Year Return

RNST+58.00%

S&P 500 (^GSPC)+67.55%

5-Year Return

RNST+10.93%

S&P 500 (^GSPC)+55.77%

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis

Trailing P/E5Y Low

10.8x

Forward P/EExpansion

10.8x

EV/EBITDA80th %ile

10.9x

FCF YieldCash Flow

11.6%

Valuation vs 5-Year History

Multiple Range

Metric

Current

5Y Median

Historical Range

Percentile

P/E

10.8x

12.7x

0th· Low

EV/EBITDA

10.9x

8.6x

80th· High

Price/FCF

8.6x

14.9x

20th· Low

Current Multiple

5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection

Bear$21.21-46.2%

Base (Fair)$43.50+10.4%

Bull$73.56+86.7%

$21.21 Bear$43.50 Base$73.56 Bull

Current Market Price: $39.39

Trades at a 9.4% discount to Base DCF ($43.50)

Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend

Revenue FY25

$986M+48.8% YoY

Net income FY25

$181M-7.3% YoY

Free cash flow FY25

$238M+105.3% YoY

Operating margin FY25

23%-14.0 pts YoY

ROIC (FY25)4.2%

Avg ROIC 5Y5.2%

ROE (TTM)8.6%

Piotroski Score5 / 9

Financial Statements →

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History

EPS Beat Rate10/12 (83%)

Revenue Beat Rate3/12 (25%)

Quarter	EPS (Act vs Est)	Revenue (Act vs Est)
Q4 2026Latest Oct 27, 2026	$0.86-8.8% vs $0.94	$273M-3.3% vs $282M
Q3 2026 Jul 28, 2026	$0.94+3.1% vs $0.91	$274M-2.4% vs $281M
Q2 2026 Apr 28, 2026	$0.93+10.7% vs $0.84	$274M-0.7% vs $276M
Q1 2026 Jan 27, 2026	$0.91+13.8% vs $0.80	$279M+1.0% vs $276M

Historical baseline: 12 quarters analyzedGAAP / Adjusted

MARKET COVERAGE

Latest News

4 Stories

Seeking Alpha·Oct 28, 2026

Renasant Corporation (RNST) Q3 2026 Earnings Call Transcript

Renasant Corporation ( RNST ) Q3 2026 Earnings Call October 28, 2026 10:00 AM EDT Company Participants Kelly Hutcheson - Executive VP & Chief Accounting Officer Kevin Chapman - President, CEO & Director James Mabry - Executive VP & CFO David Meredith - Executive Vice President Conference Call Participants Stephen Scouten - Piper Sandler & Co., Research Division Michael Rose - Raymond James & Associates, Inc., Research Division Matt Olney - Stephens Inc., Research Division William Jones - Keefe, Bruyette, & Woods, Inc., Research Division David Bishop - Hovde Group, LLC, Research Division Sun Young Lee - TD Cowen, Research Division Presentation Operator Good day, and welcome to the Renasant Corporation's 2026 Third Quarter Earnings Conference Call and Webcast. [Operator Instructions] Please note, this event is being recorded.

Zacks Investment Research·Oct 27, 2026

Renasant (RNST) Reports Q3 Earnings: What Key Metrics Have to Say

While the top- and bottom-line numbers for Renasant (RNST) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Zacks Investment Research·Oct 27, 2026

Renasant (RNST) Lags Q3 Earnings and Revenue Estimates

Renasant (RNST) came out with quarterly earnings of $0.86 per share, missing the Zacks Consensus Estimate of $0.94 per share. This compares to earnings of $0.77 per share a year ago.

GlobeNewsWire·Oct 27, 2026

Renasant Corporation to Acquire Commercial Holding Company

Expands Renasant's West Tennessee Franchise with over $900M in Low-Cost, Core Deposits Expands Renasant's West Tennessee Franchise with over $900M in Low-Cost, Core Deposits

Filtered for Renasant CorporationMore Headlines

Compare before deciding

Benchmark RNST against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Renasant Corporation (RNST)

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Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
RNSTRenasant CorporationCurrent	$39.39	$3.6B	10.82	48.82%	41.31%	8.62%	2.1%
SFNCSimmons First National Corporation	$23.34	$3.39B	13.00	-86.6%	27.54%	7.61%	3.66%
HOMBHome Bancshares, Inc.	$29.86	$6.01B	12.16	-3.54%	43.71%	10.95%	2.69%
SRCE1st Source Corporation	$86.94	$2.09B	11.75	12.05%	38.53%	13.34%	1.81%
HOPEHope Bancorp, Inc.	$13.18	$1.68B	12.78	5.26%	22.78%	5.82%	4.17%
BANFBancFirst Corporation	$115.20	$3.87B	15.31	-18.53%	41.17%	13.3%	1.59%

Compare RNST vs Peers

Renasant Corporation (RNST) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFNC

Most directly comparable listed peer for RNST.

Scale Benchmark

vs ICE

Larger-name benchmark to compare RNST against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFNC, HOMB, SRCE, HOPE

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

RNST SEC Filings & Documents

Renasant Corporation (RNST) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Oct 27, 2026·SEC

Material company update

Oct 27, 2026·SEC

Material company update

Aug 6, 2026·SEC

10-K Annual Reports

FY 2026

Mar 2, 2026·SEC

FY 2025

Feb 26, 2025·SEC

10-Q Quarterly Reports

FY 2026

Nov 4, 2026·SEC

FY 2026

Aug 5, 2026·SEC

FY 2026

May 7, 2026·SEC

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RNST Frequently Asked Questions

Renasant Corporation (RNST) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

How fast is Renasant Corporation growing?

Renasant Corporation (RNST) grew revenue by 1.2% over the trailing twelve months, compared with the twelve months before.

Is RNST profitable?

Yes. Renasant Corporation (RNST) earned $333.2M in net income over the trailing twelve months (a 41.3% net margin).

Dividend & Returns

Does RNST pay dividends?

Yes. Renasant Corporation (RNST) pays a dividend that yields 2.10% at the current price, a moderate yield.

What is RNST's return on equity?

Renasant Corporation (RNST) had a return on equity (ROE) of 8.6% over the trailing twelve months. That is below the market's typical 10-15%.

Industry Metrics

What is Renasant Corporation's net interest margin?

Renasant Corporation (RNST) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.

What is Renasant Corporation's efficiency ratio?

Renasant Corporation (RNST) has an efficiency ratio of 66.1%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in RNST back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →

Quarter

EPS (Act vs Est)

Revenue (Act vs Est)

Q4 2026Latest

Oct 27, 2026

$0.86-8.8%

vs $0.94

$273M-3.3%

vs $282M

Q3 2026

Jul 28, 2026

$0.94+3.1%

vs $0.91

$274M-2.4%

vs $281M

Q2 2026

Apr 28, 2026

$0.93+10.7%

vs $0.84

$274M-0.7%

vs $276M

Q1 2026

Jan 27, 2026

$0.91+13.8%

vs $0.80

$279M+1.0%

vs $276M

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

RNSTRenasant CorporationCurrent

$39.39

$3.6B

10.82

48.82%

41.31%

8.62%

2.1%

SFNCSimmons First National Corporation

$23.34

$3.39B

13.00

-86.6%

27.54%

7.61%

3.66%

HOMBHome Bancshares, Inc.

$29.86

$6.01B

12.16

-3.54%

43.71%

10.95%

2.69%

SRCE1st Source Corporation

$86.94

$2.09B

11.75

12.05%

38.53%

13.34%

1.81%

HOPEHope Bancorp, Inc.

$13.18

$1.68B

12.78

5.26%

22.78%

5.82%

4.17%

BANFBancFirst Corporation

$115.20

$3.87B

15.31

-18.53%

41.17%

13.3%

1.59%