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Upturn AI SWOT - About
RNST 
Renasant Corporation (RNST)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/22/2025: RNST (1-star) is currently NOT-A-BUY. Pass it for now.
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 $42.29
1 Year Target Price $42.29
| 2 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.6% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/22/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.30B USD | Price to earnings Ratio 14.36 | 1Y Target Price 42.29 |
Price to earnings Ratio 14.36 | 1Y Target Price 42.29 | ||
Volume (30-day avg) 6 | Beta 0.9 | 52 Weeks Range 26.65 - 40.17 | Updated Date 10/22/2025 |
52 Weeks Range 26.65 - 40.17 | Updated Date 10/22/2025 | ||
Dividends yield (FY) 2.53% | Basic EPS (TTM) 2.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-28 | When After Market | Estimate 0.79 | Actual - |
Profitability
Profit Margin 21.72% | Operating Margin (TTM) 17.32% |
Management Effectiveness
Return on Assets (TTM) 0.72% | Return on Equity (TTM) 5.21% |
Valuation
Trailing PE 14.36 | Forward PE 10.42 | Enterprise Value 2882159872 | Price to Sales(TTM) 4.49 |
Enterprise Value 2882159872 | Price to Sales(TTM) 4.49 | ||
Enterprise Value to Revenue 5.73 | Enterprise Value to EBITDA - | Shares Outstanding 95019326 | Shares Floating 93150296 |
Shares Outstanding 95019326 | Shares Floating 93150296 | ||
Percent Insiders 1.64 | Percent Institutions 87.81 |
Upturn AI SWOT
Renasant Corporation
Company Overview
History and Background
Renasant Corporation was founded in 1904 as a small community bank in Tupelo, Mississippi. Over the years, it has grown through organic expansion and strategic acquisitions to become a regional financial institution serving the Southeastern United States.
Core Business Areas
- Community Banking: Offers a range of traditional banking products and services, including checking and savings accounts, loans, and mortgages, to individuals and small businesses.
- Wealth Management: Provides wealth management, trust, and investment services to individuals, families, and businesses.
- Insurance: Offers a variety of insurance products and services.
Leadership and Structure
Renasant Corporation is led by a board of directors and an executive management team. The organizational structure is designed to support its various business lines and regional operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for working capital, equipment purchases, and expansion. Market share data specific to Renasant for commercial loans is difficult to obtain precisely, but they compete with larger national banks and other regional players like Truist and Regions. Revenue from commercial loans is a significant portion of their total loan revenue.
- Residential Mortgages: Offers mortgage loans for home purchases and refinancing. Market share is highly competitive with numerous national and regional players. Competitors include Wells Fargo, Bank of America, and other local and regional banks. Mortgage revenue fluctuates with interest rate cycles.
- Deposit Accounts: Provides checking, savings, and money market accounts for individuals and businesses. Market share is localized, competing with other regional and community banks and larger national chains. These products form the base of the banku2019s funding and customer relationships.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increased competition, rising interest rates, regulatory changes, and the growing importance of digital banking technologies.
Positioning
Renasant Corporation positions itself as a community-focused regional bank offering personalized service and local expertise. Its competitive advantage lies in its strong customer relationships and deep understanding of the local markets it serves.
Total Addressable Market (TAM)
The total addressable market for banking services in the Southeastern United States is estimated to be in the hundreds of billions of dollars. Renasant Corporation is positioned to capture a portion of this TAM through its community banking model and regional presence.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified revenue streams
- Strong credit quality
- Regional presence in attractive markets
Weaknesses
- Smaller scale compared to national banks
- Limited brand recognition outside of its core markets
- Reliance on traditional banking models
- Higher cost structure than some competitors
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions
- Growth in wealth management business
- Capitalizing on underserved markets
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and inflation
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- RF (Renasant Corporation)
- TCBI
- CADE
- OZK
- FFWM
Competitive Landscape
Renasant faces stiff competition from larger national banks and smaller community banks. It differentiates itself through personalized service and local expertise. Its smaller size can be a disadvantage in terms of economies of scale.
Major Acquisitions
CommerceSouth, Inc.
- Year: 2016
- Acquisition Price (USD millions): 174.3
- Strategic Rationale: Expanded presence in the Atlanta metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Growth trends over the past years to be discussed here based on historical data and reporting.
Future Projections: Projections for future growth based on analyst estimates required.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Renasant Corporation. To be updated with latest happenings
Summary
Renasant Corporation is a regional bank with a focus on community banking. It has a strong regional presence and experienced management. While it faces competition from larger banks, its personalized service and local expertise provide a competitive advantage. The bank should continue to invest in digital banking to remain competitive.
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 are estimates and may vary. Consult with a qualified financial advisor before making any investment decisions.
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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