Renasant Corporation (RNST)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 660 | 651 | 631 | 632 | 662 | 986 | 768 | - |
| Operating profit | $m | 227 | 172 | ||||||
| Net profit | $m | 84 | 176 | 166 | 145 | 195 | 181 | 314 | 361 |
| EPS reported | $ | 2.07 | 3.34 | ||||||
| Operating cashflow per share | $ | 2.87 | 4.59 | ||||||
| Capex per share | $ | 0.36 | 0.51 | ||||||
| FCF per share | $ | 2.52 | 4.07 | ||||||
| Free cash flow | $m | 238 | 378 | ||||||
| Net debt | $m | -15 | 230 | ||||||
| Book value equity | $m | 3,885 | 3,871 | ||||||
| Book value per share | $ | 40.82 | 41.53 | ||||||
| Number of shares | m | 95.17 | 93.22 | ||||||
| DPS (TTM paid) | $ | 0.89 | 0.94 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 17.01 | 11.93 | ||||||
| P/B LTM | x | 0.86 | 0.86 | ||||||
| P/S LTM | x | 3.37 | 4.33 | ||||||
| P/FCF LTM | x | 13.99 | 8.81 | ||||||
| EV/EBITDA LTM | x | 13.63 | 18.76 | ||||||
| EV/Sales LTM | x | 2.29 | 3.38 | ||||||
| Earnings Yield LTM | % | +5.88% | +8.38% | ||||||
| FCF Yield | % | +7.15% | +11.35% | ||||||
| Quality | |||||||||
| ROE | % | +4.67% | +8.13% | ||||||
| ROIC | % | +0.68% | +2.41% | ||||||
| Operating margin | % | +15.70% | +13.79% | ||||||
| Gross margin | % | +60.82% | +58.82% | ||||||
| FCF/Sales | % | +16.46% | +30.27% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -36.70% | +2.14% | ||||||
| Sales Growth YoY | % | +48.82% | +15.97% | ||||||
| Net Income Growth YoY | % | -7.26% | +60.68% | ||||||
| FCF Growth | % | +105.35% | +226.13% | ||||||
| Operating Profit Growth | % | -7.44% | -29.75% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.36% | +2.11% | ||||||
| Dividend Growth | % | +1.14% | +6.82% | ||||||
| Payout Ratio | % | +39.90% | +27.58% | ||||||
| FCF/Debt | x | 0.23 | 0.34 | ||||||
| Net Debt/EBITDA | x | -0.06 | 1.31 | ||||||
| EBIT/Net interest | x | 0.49 | 0.36 | ||||||
| Net debt/market cap | % | +31.72% | +27.93% | ||||||
| Net debt/Equity | x | -0.00 | 0.06 | ||||||
| Gross debt/equity | x | 0.27 | 0.29 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Renasant Corporation acts as the parent bank holding company for Renasant Bank, delivering a full spectrum of financial, wealth management, fiduciary, and insurance services to both individual consumers and business clients. Its operations are organized into three primary segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment offers a wide range of banking solutions, including checking and savings accounts, alongside various lending products such as business and personal loans, asset-based lending, and equipment leasing. It also provides specialized commercial, financial, and agricultural loans; equipment financing and leasing; real estate mortgages for 1-4 family and commercial properties; construction loans for single-family, multi-family, and commercial developments; installment loans for individuals; and interim construction financing. Supplementary services include safe deposit boxes, night depositories, ATMs, online and mobile banking, call center support, and treasury management. The Insurance segment functions as an insurance agency, supplying commercial and personal insurance products through a network of insurance carriers. The Wealth Management segment is dedicated to comprehensive wealth management and fiduciary services. This encompasses the administration and management of diverse trust accounts, including personal, corporate benefit, and custodial accounts, along with their accounting and financial oversight. Investment options, such as annuities and mutual funds, are facilitated through a third-party broker-dealer. Additionally, this segment oversees qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates. As of December 31, 2021, the company operated an extensive network of 189 banking, lending, and mortgage offices throughout Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee. This infrastructure included 150 full-service branches, 11 limited-service branches, 173 ATMs, and 38 interactive teller machines. Renasant Corporation was founded in 1904 and is based in Tupelo, Mississippi.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Renasant Corporation (RNST)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Renasant Corporation acts as the parent bank holding company for Renasant Bank, delivering a full spectrum of financial, wealth management, fiduciary, and insurance services to both individual consumers and business clients. Its operations are organized into three primary segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment offers a wide range of banking solutions, including checking and savings accounts, alongside various lending products such as business and personal loans, asset-based lending, and equipment leasing. It also provides specialized commercial, financial, and agricultural loans; equipment financing and leasing; real estate mortgages for 1-4 family and commercial properties; construction loans for single-family, multi-family, and commercial developments; installment loans for individuals; and interim construction financing. Supplementary services include safe deposit boxes, night depositories, ATMs, online and mobile banking, call center support, and treasury management. The Insurance segment functions as an insurance agency, supplying commercial and personal insurance products through a network of insurance carriers. The Wealth Management segment is dedicated to comprehensive wealth management and fiduciary services. This encompasses the administration and management of diverse trust accounts, including personal, corporate benefit, and custodial accounts, along with their accounting and financial oversight. Investment options, such as annuities and mutual funds, are facilitated through a third-party broker-dealer. Additionally, this segment oversees qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates. As of December 31, 2021, the company operated an extensive network of 189 banking, lending, and mortgage offices throughout Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee. This infrastructure included 150 full-service branches, 11 limited-service branches, 173 ATMs, and 38 interactive teller machines. Renasant Corporation was founded in 1904 and is based in Tupelo, Mississippi.
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