Renasant Corp
RNST NYSE· State Commercial Banks
Last close · Oct 27, 2026
$41.58
KIRA · Stoqly’s AI analyst, in plain words
- Renasant Corp had $986M of revenue in fiscal 2025, up 37.7% on the year before. Over five years, revenue changed +8.3% a year on average.
- Renasant Corp made $181M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew −0.5% a year.
- Renasant Corp returned $91.9M to shareholders in fiscal 2025, 39% of free cash flow. The diluted share count rose 46.5%.
- It earned 5.5% on shareholders’ money. Running costs took 66.1% of revenue (the efficiency ratio; lower is better).
Market cap
$3.8B
P/E
12.6x
Revenue
$986M
Net income
$181M
Return on equity
5.5%
Efficiency ratio
66.1%
Renasant Corp in 30 seconds · fiscal 2025
Are sales growing?
+37.7%
Yes. Sales grew 37.7% last year.
Does it make a profit?
18.4%
Yes. It keeps 18.4% of every sale as profit.
How lean are its costs?
66.1%
Costly. Running costs take 66.1% of revenue.
How much does it earn on its capital?
5.5%
Low. It earns 5.5% a year on shareholders’ money.
How is the share priced?
12.6x
One share costs 12.6 times its yearly profit per share.
What Renasant Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 2, 2026
- Legal name
- RENASANT CORP
- CIK
- 0000715072
Renasant Corp · RNST
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $651M | $631M | $632M | $716M | $986M |
| Revenue growth | −1.7% | −3.1% | 0.3% | 13.2% | 37.7% |
| Net interest income | $424M | $481M | $519M | $512M | $804M |
| Net income | $176M | $166M | $145M | $195M | $181M |
| Net margin | 27.0% | 26.3% | 22.9% | 27.3% | 18.4% |
| Diluted EPS | $3.12 | $2.95 | $2.56 | $3.27 | $2.07 |
| Cash | |||||
| Cash from operations | $143M | $574M | $149M | $106M | $271M |
| Capital expenditure | $20.5M | $14.8M | $21.6M | $13.6M | $33.7M |
| Free cash flow | $122M | $559M | $127M | $92.8M | $238M |
| FCF margin | 18.8% | 88.7% | 20.1% | 13.0% | 24.1% |
| Dividends paid | $50.0M | $50.0M | $50.3M | $53.7M | $78.6M |
| Share buybacks | $21.3M | $0.0M | $0.0M | $0.0M | $13.3M |
| Share count change | −0.1% | −0.4% | 0.4% | 5.8% | 46.5% |
| Debt and strength | |||||
| Cash and short-term investments | $1.9B | $576M | $801M | $1.1B | $1.1B |
| Debt incl. finance leases | $485M | $1.1B | $737M | $539M | $1.1B |
| Loans, net | — | $11.4B | $12.2B | $12.7B | $18.8B |
| Deposits | $13.9B | $13.5B | $14.1B | $14.6B | $21.5B |
| Shareholders' equity | $2.2B | $2.1B | $2.3B | $2.7B | $3.9B |
| Returns and quality | |||||
| Return on equity | 8.1% | 7.6% | 6.5% | 7.9% | 5.5% |
| Return on tangible equity | 14.1% | 14.8% | 11.2% | 11.7% | 7.8% |
| Efficiency ratio | 66.1% | 62.7% | 69.5% | 64.5% | 66.1% |
| Piotroski F-score | 5 | 4 | 4 | 5 | 3 |
Insiders bought, 12 months
$0.1M
1 insider
Insiders sold, 12 months
$3.7M
8 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Renasant Corp · RNST
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $41.58 a share, the company is worth $3.8B: 12.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000715072). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.