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Upturn AI SWOT - About
RNST 
Renasant Corporation (RNST)
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Upturn Advisory Summary
08/07/2025: RNST (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $41.83
1 Year Target Price $41.83
| 2 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.81% | Avg. Invested days 28 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/07/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.45B USD | Price to earnings Ratio 15.03 | 1Y Target Price 41.83 |
Price to earnings Ratio 15.03 | 1Y Target Price 41.83 | ||
Volume (30-day avg) 6 | Beta 0.96 | 52 Weeks Range 26.80 - 39.41 | Updated Date 08/7/2025 |
52 Weeks Range 26.80 - 39.41 | Updated Date 08/7/2025 | ||
Dividends yield (FY) 2.42% | Basic EPS (TTM) 2.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-21 | When Before Market | Estimate 0.4667 | Actual 0.69 |
Profitability
Profit Margin 21.71% | Operating Margin (TTM) 17.32% |
Management Effectiveness
Return on Assets (TTM) 0.72% | Return on Equity (TTM) 5.21% |
Valuation
Trailing PE 15.03 | Forward PE 12.48 | Enterprise Value 2968300800 | Price to Sales(TTM) 4.69 |
Enterprise Value 2968300800 | Price to Sales(TTM) 4.69 | ||
Enterprise Value to Revenue 5.62 | Enterprise Value to EBITDA - | Shares Outstanding 95019296 | Shares Floating 93156933 |
Shares Outstanding 95019296 | Shares Floating 93156933 | ||
Percent Insiders 1.65 | Percent Institutions 76.33 |
Upturn AI SWOT
Renasant Corporation
Company Overview
History and Background
Renasant Corporation was founded in 1904 in Tupelo, Mississippi, as the Bank of Renasant. It has grown through organic expansion and acquisitions, becoming a regional financial services provider.
Core Business Areas
- Community Banking: Offers a range of banking products and services, including checking and savings accounts, loans, and mortgages to individuals and businesses.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
- Insurance: Offers various insurance products, including property and casualty, life, and health insurance.
Leadership and Structure
Renasant Corporation is led by its Chief Executive Officer and a board of directors. The organizational structure includes various departments and divisions responsible for specific business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, such as working capital, expansion, and equipment financing. Market share data is not publicly available at a granular product level. Competitors include other regional and national banks such as Bank of America, Truist, and Regions Financial.
- Mortgage Loans: Loans for residential real estate purchases. Market share data is not publicly available at a granular product level. Competitors include Rocket Mortgage, United Wholesale Mortgage, and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts offered to individuals and businesses. Market share data is not publicly available at a granular product level. Competitors include all banks offering deposit products.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased competition from fintech companies, and evolving regulatory requirements.
Positioning
Renasant Corporation positions itself as a community-focused bank with a strong emphasis on relationship banking. Its competitive advantages include its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the Southeastern United States is substantial, estimated in the hundreds of billions of dollars. Renasant Corporation is positioned to capture a portion of this market through its regional presence and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Diversified product and service offerings
- Experienced management team
- Focus on community banking
- Good customer relationships
Weaknesses
- Smaller size compared to national banks
- Limited geographic diversification
- Dependence on the Southeastern economy
- Lower brand recognition compared to larger banks
Opportunities
- Expansion into new markets within the Southeast
- Acquisition of smaller community banks
- Increased adoption of digital banking technologies
- Growth in wealth management and insurance services
- Capitalize on disruption in the banking industry
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and inflation
- Economic downturn in the Southeast
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- RF
- FFWM
- TCBI
Competitive Landscape
Renasant Corporation faces competition from larger national and regional banks, as well as smaller community banks and credit unions. Its competitive advantages include its local market knowledge, personalized service, and diversified product offerings.
Major Acquisitions
Metropolitan BancGroup, Inc.
- Year: 2017
- Acquisition Price (USD millions): 159.5
- Strategic Rationale: Expanded Renasant's presence in the Atlanta market.
Growth Trajectory and Initiatives
Historical Growth: Renasant Corporation has grown steadily through a combination of organic growth and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for Renasant Corporation, driven by expansion into new markets and increased demand for its products and services. Placeholder values for future growth projections will be added when numerical data is available.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets within the Southeast.
Summary
Renasant Corporation is a financially stable regional bank with a focus on community banking in the Southeastern United States. Its strengths include a diversified product line and a strong regional presence, although it faces risks from larger competitors and the cyclical nature of the banking industry. Investments in technology and strategic acquisitions should fuel future growth. However, they must be careful about cyber-security threats and adapting to economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Renasant Corporation Investor Relations
- SEC Filings
- MarketWatch
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data should be verified with official sources.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Renasant Corporation
Exchange NYSE | Headquaters Tupelo, MS, United States | ||
IPO Launch date 1992-04-24 | President, CEO & Director Mr. Kevin D. Chapman | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2200 | Website https://investors.renasant.com |
Full time employees 2200 | Website https://investors.renasant.com | ||
Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, fiduciary, and insurance services to retail and commercial customers. The company operates through Community Banks, Insurance, and Wealth Management segments. 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 provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate"1-4 family mortgage; real estate"commercial mortgage; real estate"construction 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 Insurance segment provides insurance agency services, such as commercial and personal insurance products through insurance carriers. 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; 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. The company was founded in 1904 and is headquartered in Tupelo, Mississippi.
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