RNST
RENASANT CORP
Next earnings Jul 20, 2026 · consensus $0.94 EPS, $287M rev
Last earnings -0.2% on 2026-04-28
$43.36
▲ +0.05%$43.36▲ +28.79%
over 1Y
L $32.79EODHDH $43.36
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.0%
1W+3.0%
1M+7.0%
3M+23.9%
YTD+24.1%
1Y+28.8%
Hold
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 13 analysts
Buy
Transformative First Bancshares merger inflates the balance sheet but dilutes EPS and ROE — fair value, wait for integration to prove out.
The read
Middling fundamentals and a rich price (~63% above fair value) leave little margin of safety — a wait-and-see.
Renasant's FY2025 is a transformation year dominated by the April 1, 2025 merger with The First, which added $7.57B in assets, $5.17B in loans and $6.45B in deposits net of purchase accounting. The optics are jarring: total assets jumped 48.3% to $26.8B and share count rose 47.9% to 94.1M, while net income slipped 7.3% to $181M and diluted EPS collapsed 36.7% to $2.07. MD&A explicitly attributes the EPS drop to merger and conversion-related expenses (noninterest expense rose to $651.7M from $461.6M) and a $107.5M provision for credit losses versus just $9.3M in 2024, driven by the Day 1 CECL provision on acquired loans plus organic growth. Strip those out and adjusted diluted EPS is actually $3.06 vs. $2.76 in 2024 — meaningful underlying improvement.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $176M | $166M | $145M | $195M | $181M |
| Diluted EPS | $3.12 | $2.95 | $2.56 | $3.27 | $2.07 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF17.2
PEG (trailing)—
Earnings yield4.4%
FCF yield5.8%
Quality & risk
ROIC (est.)—
Free cash flow$238M
Total debt$1.06B
Net cash$15.2M
Piotroski F-Score4/6
Capital returns
Buyback yield0.3%
Dividend yield (est.)1.9%
Shareholder yield2.3%
Shares Δ YoY+47.9%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has skewed negative — read the flagged items.
- 8-K Reg FD disclosure2026-05-15
Regulation FD investor materials disclosure; no operational change
- 8-K Material agreement2026-05-07
Q1 2026 10-Q; first full quarter reflecting The First merger integration
- 10-Q Quarterly report2026-05-07
Q1 2026 10-Q; first full quarter reflecting The First merger integration
- 8-K Charter / bylaws change2026-05-01
Annual meeting results and bylaw amendments; routine governance
- 8-K Reg FD disclosure2026-04-30
Regulation FD investor presentation; no new financials
- 8-K Earnings results2026-04-28
Q1 2026 earnings released; first full post-merger quarter results
- DEF 14A Proxy statement2026-03-18
Annual proxy: director slate, exec comp and auditor ratification
- 8-K Officer / director change2026-03-16
Officer/director appointment or departure disclosed
- 10-K Annual report2026-03-02
FY25 EPS $2.07 vs $3.27 on merger costs; assets +48% to $26.8B post-The First
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-25open ↗4Period ending 2026-05-292026-06-09open ↗4Period ending 2026-05-192026-05-21open ↗4Period ending 2026-05-152026-05-19open ↗8-KPeriod ending 2026-05-152026-05-15open ↗4Period ending 2026-05-142026-05-15open ↗144Filing2026-05-14open ↗SCHEDULE 13GFiling2026-05-12open ↗8-KPeriod ending 2026-05-042026-05-07open ↗10-QPeriod ending 2026-03-312026-05-07open ↗424B5Filing2026-05-05open ↗FWPFiling2026-05-04open ↗
Frequently asked
- Is RENASANT CORP (RNST) a buy?
- RNST currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Transformative First Bancshares merger inflates the balance sheet but dilutes EPS and ROE — fair value, wait for integration to prove out.
- What is RNST's fair value?
- A Modified-Graham model based on RNST's SEC fundamentals estimates a fair value of about $15.84. It is an estimate from reported earnings, not a price target.
- Is RNST overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, RNST currently appears overvalued relative to its SEC-grounded earnings power.
- What is RENASANT CORP's quality score?
- RNST scores 59.23529411764705/100 (grade C) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000715072, latest 10-Q filed 2026-05-07) · EODHD · analysis by claude-code · as of 6/25/2026, 1:06:23 PM.
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