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Upturn AI SWOT - About
RNST 
Renasant Corporation (RNST)
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Upturn Advisory Summary
09/16/2025: 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 -3.44% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.56B USD | Price to earnings Ratio 15.5 | 1Y Target Price 41.83 |
Price to earnings Ratio 15.5 | 1Y Target Price 41.83 | ||
Volume (30-day avg) 6 | Beta 0.95 | 52 Weeks Range 26.65 - 40.17 | Updated Date 09/16/2025 |
52 Weeks Range 26.65 - 40.17 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 2.31% | Basic EPS (TTM) 2.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | 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 15.5 | Forward PE 12.48 | Enterprise Value 3219478272 | Price to Sales(TTM) 4.84 |
Enterprise Value 3219478272 | Price to Sales(TTM) 4.84 | ||
Enterprise Value to Revenue 5.86 | Enterprise Value to EBITDA - | Shares Outstanding 95019296 | Shares Floating 93148395 |
Shares Outstanding 95019296 | Shares Floating 93148395 | ||
Percent Insiders 1.65 | Percent Institutions 88.1 |
Upturn AI SWOT
Renasant Corporation
Company Overview
History and Background
Renasant Corporation was founded in 1904 in Tupelo, Mississippi, as The Peoples Bank and Trust Company. It has grown through organic expansion and acquisitions to become a regional financial services provider.
Core Business Areas
- Community Banking: Provides a range of commercial and retail banking services, including checking and savings accounts, loans, and other financial products.
- Wealth Management: Offers investment management, trust services, and financial planning to individuals and institutions.
- Insurance: Provides insurance products and services through its agency network.
Leadership and Structure
Renasant Corporation is led by a board of directors and an executive management team. The organizational structure is typical of a regional bank, with distinct divisions for banking, wealth management, and insurance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing for businesses, including term loans, lines of credit, and commercial real estate loans. Market share data is not publicly available at a granular level. Competitors include regional and national banks such as Truist, Regions, and Fifth Third Bank.
- Residential Mortgages: Offers mortgage loans for homebuyers. Market share data is not publicly available at a granular level. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available at a granular level. Competitors include national banks like Bank of America and Chase.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and evolving customer expectations. Rising interest rates and economic uncertainty also present challenges.
Positioning
Renasant Corporation positions itself as a community-focused bank with a strong presence in the Southeast. Its competitive advantage lies in its local knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is estimated to be in the billions of dollars. Renasant Corporation is positioned to capture a portion of this market through its regional focus and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Diversified revenue streams (banking, wealth management, insurance)
- Experienced management team
- Strong customer relationships
- Solid credit quality
Weaknesses
- Limited geographic reach compared to national banks
- Smaller scale may limit investment in technology
- Reliance on Southeast economy
- Higher efficiency ratio than some peers
Opportunities
- Expansion into new markets within the Southeast
- Increased focus on digital banking
- Acquisition of smaller community banks
- Growth in wealth management business
- Leveraging technology to improve efficiency
Threats
- Increased competition from national and online banks
- Economic downturn impacting loan demand
- Rising interest rates impacting profitability
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- TRST
- FITB
- RF
- CMA
Competitive Landscape
Renasant Corporation faces competition from larger national banks and smaller community banks. Its advantage lies in its personalized service and regional focus, but it needs to compete with greater technological capability of larger banks.
Major Acquisitions
MFC Bancorp, Ltd.
- Year: 2022
- Acquisition Price (USD millions): 177.3
- Strategic Rationale: Expanded Renasant's presence in the attractive Atlanta market and enhanced its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Renasant Corporation has grown through organic expansion and acquisitions. Refer to their investor relations page for detailed historical information.
Future Projections: Future growth projections depend on factors like interest rates, loan demand, and the overall economic environment. Analyst estimates are often available from financial news sources.
Recent Initiatives: Recent strategic initiatives likely include investments in technology and efforts to expand its presence in key markets.
Summary
Renasant Corporation is a regional bank with a strong presence in the Southeast. It benefits from diversified revenue streams and solid customer relationships, but faces competition from larger banks and economic headwinds. Strategic acquisitions and digital initiatives could drive future growth. Its smaller scale can limit investments in Technology compared to national banks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Renasant Corporation Investor Relations
- SEC Filings
- Company Press Releases
- Financial News Outlets
- Third-party Financial Analysis Sites
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Financial data should be verified through official company filings.
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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