Renasant Corporation (RNST) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
15.41
↑+86% vs avg
5yr avg: 8.27
30Y Low2.8·High30.3
P/FCF
↓
15.81
+15% vs avg
5yr avg: 13.75
30Y Low2.6·High51.2
P/B Ratio
↓
0.98
+10% vs avg
5yr avg: 0.89
30Y Low0.7·High2.2
ROE
↓
5.5%
↑-23% vs avg
5yr avg: 7.1%
30Y Low4%·High13%
Debt/EBITDA
↑
4.34
↑+35% vs avg
5yr avg: 3.21
30Y Low0.7·High23.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
RNST Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Renasant Corporation trades at 19.3x earnings, 46% above its 5-year average of 13.2x, sitting at the 83rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a premium of 45%. On a free-cash-flow basis, the stock trades at 15.8x P/FCF, 15% above the 5-year average of 13.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3.8B | $3.4B | $2.1B | $1.9B | $2.1B | $2.1B | $1.9B | $2.1B | $1.6B | $1.9B | $1.8B |
| Enterprise Value | $3.7B | $3.3B | $1.6B | $1.8B | $2.7B | $749M | $1.8B | $2.5B | $1.7B | $1.9B | $1.8B |
| P/E Ratio → | 19.29 | 17.01 | 10.93 | 13.05 | 12.74 | 12.16 | 22.76 | 12.30 | 10.82 | 20.86 | 19.46 |
| P/S Ratio | 2.60 | 2.32 | 2.06 | 2.08 | 3.06 | 3.08 | 2.60 | 2.96 | 2.62 | 3.79 | 3.80 |
| P/B Ratio | 0.98 | 0.86 | 0.80 | 0.82 | 0.99 | 0.97 | 0.89 | 0.97 | 0.78 | 1.27 | 1.44 |
| P/FCF | 15.81 | 14.10 | 18.45 | 14.90 | 3.78 | 17.53 | 35.24 | 16.03 | 26.58 | 9.91 | 11.79 |
| P/OCF | 13.85 | 12.35 | 16.50 | 12.73 | 3.68 | 15.01 | 23.13 | 12.60 | 19.34 | 9.28 | 10.82 |
P/E links to full P/E history page with 30-year chart
RNST EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Renasant Corporation's enterprise value stands at 15.4x EBITDA, 86% above its 5-year average of 8.3x. The Financial Services sector median is 11.4x, placing the stock at a 35% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.31 | 1.52 | 2.01 | 3.87 | 1.08 | 2.41 | 3.61 | 2.76 | 3.82 | 3.81 |
| EV / EBITDA | 15.41 | 13.73 | 5.71 | 8.60 | 10.54 | 2.77 | 12.78 | 11.23 | 8.69 | 11.77 | 12.80 |
| EV / EBIT | 16.51 | 14.72 | 6.46 | 10.31 | 12.67 | 3.36 | 17.05 | 11.65 | 8.86 | 12.12 | 13.09 |
| EV / FCF | — | 14.03 | 13.67 | 14.39 | 4.79 | 6.13 | 32.70 | 19.53 | 27.96 | 9.99 | 11.83 |
RNST Profitability
Margins and return-on-capital ratios measuring operating efficiency
Renasant Corporation earns an operating margin of 15.7%, below the Financial Services sector average of 21.4%. Operating margins have compressed from 19.5% to 15.7% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 5.5% is modest, trailing the sector median of 9.5%. ROIC of 4.2% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 60.8% | 60.8% | 62.9% | 67.7% | 87.8% | 93.9% | 78.4% | 84.8% | 88.1% | 91.0% | 92.4% |
| Operating Margin | 15.7% | 15.7% | 23.6% | 19.5% | 30.6% | 32.0% | 14.1% | 31.0% | 31.1% | 31.5% | 29.1% |
| Net Profit Margin | 12.6% | 12.6% | 18.8% | 15.9% | 24.0% | 25.3% | 11.4% | 24.1% | 24.3% | 18.2% | 19.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.5% | 5.5% | 7.9% | 6.5% | 7.6% | 8.1% | 3.9% | 8.0% | 8.3% | 6.7% | 8.0% |
| ROA | 0.8% | 0.8% | 1.1% | 0.8% | 1.0% | 1.1% | 0.6% | 1.3% | 1.3% | 1.0% | 1.1% |
| ROIC | 4.2% | 4.2% | 5.9% | 4.2% | 5.3% | 6.3% | 2.8% | 5.7% | 6.3% | 7.1% | 6.5% |
| ROCE | 1.5% | 1.5% | 7.7% | 6.1% | 7.4% | 7.8% | 3.7% | 8.4% | 8.9% | 9.5% | 9.6% |
RNST Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Renasant Corporation carries a Debt/EBITDA ratio of 4.3x, which is highly leveraged (5% above the sector average of 4.1x). The company holds a net cash position — cash of $1.1B exceeds total debt of $1.1B, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.27 | 0.27 | 0.20 | 0.32 | 0.53 | 0.22 | 0.23 | 0.41 | 0.32 | 0.20 | 0.25 |
| Debt / EBITDA | 4.34 | 4.34 | 1.94 | 3.47 | 4.49 | 1.80 | 3.59 | 3.87 | 3.39 | 1.81 | 2.25 |
| Net Debt / Equity | — | -0.00 | -0.21 | -0.03 | 0.26 | -0.63 | -0.06 | 0.21 | 0.04 | 0.01 | 0.00 |
| Net Debt / EBITDA | -0.06 | -0.06 | -2.00 | -0.30 | 2.22 | -5.16 | -0.99 | 2.01 | 0.43 | 0.10 | 0.04 |
| Debt / FCF | — | -0.06 | -4.78 | -0.51 | 1.01 | -11.40 | -2.54 | 3.50 | 1.38 | 0.08 | 0.04 |
| Interest Coverage | 0.49 | 0.49 | 0.65 | 0.64 | 3.49 | 4.99 | 1.45 | 2.18 | 2.89 | 4.22 | 4.82 |
Net cash position: cash ($1.1B) exceeds total debt ($1.1B)
RNST Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.93x means Renasant Corporation can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 0.13x to 1.93x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.93 | 1.93 | 0.14 | 0.13 | 0.16 | 0.31 | 0.17 | 0.17 | 0.18 | 0.13 | 0.14 |
| Quick Ratio | 1.93 | 1.93 | 0.14 | 0.13 | 0.16 | 0.31 | 0.17 | 0.17 | 0.18 | 0.13 | 0.14 |
| Cash Ratio | 1.93 | 1.93 | 0.07 | 0.06 | 0.04 | 0.13 | 0.05 | 0.04 | 0.05 | 0.04 | 0.04 |
| Asset Turnover | — | 0.05 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
RNST Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Renasant Corporation returns 2.4% to shareholders annually — split between a 2.1% dividend yield and 0.4% buyback yield. A payout ratio of 43.4% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 5.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.1% | 2.3% | 2.5% | 2.7% | 2.4% | 2.3% | 2.6% | 2.5% | 2.7% | 1.8% | 1.7% |
| Payout Ratio | 43.4% | 43.4% | 27.5% | 34.8% | 30.1% | 28.4% | 59.9% | 30.4% | 29.7% | 37.3% | 32.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.2% | 5.9% | 9.1% | 7.7% | 7.8% | 8.2% | 4.4% | 8.1% | 9.2% | 4.8% | 5.1% |
| FCF Yield | 6.3% | 7.1% | 5.4% | 6.7% | 26.5% | 5.7% | 2.8% | 6.2% | 3.8% | 10.1% | 8.5% |
| Buyback Yield | 0.4% | 0.4% | 0.0% | 0.0% | 0.0% | 1.0% | 1.3% | 3.1% | 0.4% | 0.0% | 0.0% |
| Total Shareholder Yield | 2.4% | 2.7% | 2.5% | 2.7% | 2.4% | 3.3% | 3.9% | 5.5% | 3.2% | 1.8% | 1.7% |
| Shares Outstanding | — | $95M | $60M | $56M | $56M | $56M | $56M | $58M | $53M | $47M | $42M |
Peer Comparison
Compare RNST with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 RNSTYou | $4B | 19.3 | 15.4 | 15.8 | 60.8% | 15.7% | 5.5% | 4.2% | 4.3 |
 SFNC | $3B | -7.3 | — | 6.9 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 HOMB | $5B | 13.3 | 10.1 | 12.5 | 65.6% | 36.0% | 10.4% | 7.2% | 2.2 |
 SRCE | $2B | 11.4 | 9.6 | 8.4 | 70.3% | 34.2% | 12.7% | 9.7% | 1.6 |
 HOPE | $2B | 27.2 | 17.1 | 10.6 | 48.6% | 8.3% | 2.6% | 2.3% | 4.7 |
 BANF | $4B | 17.8 | 1.1 | 16.9 | 68.5% | 30.3% | 14.2% | 12.8% | 0.3 |
 IBCP | $690M | 10.3 | 9.3 | 9.8 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 FFIN | $5B | 20.7 | 14.1 | 15.7 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 TCBK | $2B | 13.6 | 8.4 | 12.7 | 75.9% | 31.7% | 9.5% | 8.9% | 0.4 |
 NBTB | $2B | 13.4 | 10.3 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 UBSI | $6B | 13.3 | 7.6 | 12.6 | 65.4% | 32.4% | 8.9% | 7.2% | 1.6 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonRNST — Frequently Asked Questions
Quick answers to the most common questions about buying RNST stock.
What is Renasant Corporation's P/E ratio?
Renasant Corporation's current P/E ratio is 19.3x. The historical average is 15.5x. This places it at the 83th percentile of its historical range.
What is Renasant Corporation's EV/EBITDA?
Renasant Corporation's current EV/EBITDA is 15.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.5x.
What is Renasant Corporation's ROE?
Renasant Corporation's return on equity (ROE) is 5.5%. The historical average is 8.7%.
Is RNST stock overvalued?
Based on historical data, Renasant Corporation is trading at a P/E of 19.3x. This is at the 83th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Renasant Corporation's dividend yield?
Renasant Corporation's current dividend yield is 2.07% with a payout ratio of 43.4%.
What are Renasant Corporation's profit margins?
Renasant Corporation has 60.8% gross margin and 15.7% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Renasant Corporation have?
Renasant Corporation's Debt/EBITDA ratio is 4.3x, indicating high leverage. A ratio above 4x may signal elevated financial risk.