Renasant (RNST) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Renasant

NYSE•Financial Services•Banks - Regional

$40.53-0.19(<0.01%)Pre-market

Market Cap

$3.72B

P/E

11.9x

P/S

2.4x

P/B

1.0x

Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, and fiduciary services to retail and commercial customers. The company operates in two segments, Community Banks and Wealth Management. The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lending, and factoring equipment leasing services, as well as safe deposit and night depository facilities. It also provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate1-4 family mortgage; real estatecommercial mortgage; real estateconstruction loans for the construction of single family residential properties, multi-family properties, and commercial projects; installment loans to individuals; and interim construction loans, as well as automated teller machine (ATM), online and mobile banking, call center, and treasury management services. The Wealth Management segment offers a range of wealth management and fiduciary services, including administration and management of trust accounts, such as personal and corporate benefit accounts, and custodial accounts, as well as accounting and money management for trust accounts. It also provides annuities, mutual funds, and other investment services through a third-party broker-dealer; administrative and compliance services; and qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates, as well as administrative and compliance services for certain mutual funds. The company was founded in 1904 and is based in Tupelo, Mississippi.

How this company scores

WeakMetricSide Score: 77/100

Grade capped at D — Interest coverage below 1× (0.9x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability18/25

Growth22/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality24/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Grade capped at D

Interest coverage below 1× (0.9x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.9x5y range 8.9x – 23.7x

Currently near its 20-quarter median.

P/S · 2.4x5y range 1.7x – 3.0x

Currently near its 20-quarter median.

P/B · 1.0x5y range 0.7x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Leverage Risk

Watch

Debt-to-equity has risen 39.6% recently — increasing financial risk even if the current ratio is manageable.

Share Dilution

Red Flag

Shares outstanding increased 49.7% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $3.72B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.58B
Q. Revenue: $391.63M
TTM EBITDA: $438.70M
TTM Op. Income: $391.17M
Q. Op. Income: $108.64M
TTM Net Income: $314.06M
Q. Net Income: $87.09M
EPS: $0.95
Shares Out.: $91.65M

$1.58B in TTM revenue grew 28.4% YoY, reaching $391.63M last quarter. TTM EBITDA of $438.70M and TTM operating income of $391.17M show growth is flowing through to the bottom line. TTM net income of $314.06M means revenue is converting into profit. Over the past year, TTM revenue is up 28% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 69.9%
EBITDA Margin: 29.9%
Op. Margin: 27.7%
Net Margin: 22.2%

Op. margin of 27.7% is up 27.1% YoY — cost efficiency is improving. Net margin at 22.2% and gross margin of 69.9% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 3980% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.9x
P/S Ratio: 2.4x
P/B Ratio: 1.0x

At 11.9x P/E, the stock trades below typical market levels. P/S of 2.4x and P/B of 1.0x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $27.00B
Cash: $881.20M
Long-Term Debt: $796.47M
Book Value: $3.87B
D/E Ratio: 0.2
Debt/EBITDA: 6.8

With $27.00B in assets and $796.47M in long-term debt, D/E is 0.2and book value is $3.87B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 2 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $82.43M
TTM Free Cash Flow: $394.02M
FCF Margin: 25.0%
FCF / Net Income: 1.3

TTM FCF of $394.02M on $82.43M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 227% — an improving trend.