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Upturn AI SWOT - About
RNST 
Renasant Corporation (RNST)
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Upturn Advisory Summary
07/08/2025: 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 $39.67
1 Year Target Price $39.67
| 2 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.05% | Avg. Invested days 25 | 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 07/08/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.62B USD | Price to earnings Ratio 11.62 | 1Y Target Price 39.67 |
Price to earnings Ratio 11.62 | 1Y Target Price 39.67 | ||
Volume (30-day avg) 6 | Beta 0.92 | 52 Weeks Range 26.80 - 39.13 | Updated Date 07/8/2025 |
52 Weeks Range 26.80 - 39.13 | Updated Date 07/8/2025 | ||
Dividends yield (FY) 2.45% | Basic EPS (TTM) 3.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.82% | Operating Margin (TTM) 32.86% |
Management Effectiveness
Return on Assets (TTM) 1.11% | Return on Equity (TTM) 7.83% |
Valuation
Trailing PE 11.62 | Forward PE 12.48 | Enterprise Value 2857624576 | Price to Sales(TTM) 5.1 |
Enterprise Value 2857624576 | Price to Sales(TTM) 5.1 | ||
Enterprise Value to Revenue 6.12 | Enterprise Value to EBITDA - | Shares Outstanding 95010400 | Shares Floating 93146322 |
Shares Outstanding 95010400 | Shares Floating 93146322 | ||
Percent Insiders 1.65 | Percent Institutions 70.29 |
Upturn AI SWOT
Renasant Corporation
Company Overview
History and Background
Renasant Corporation was founded in 1904 in Tupelo, Mississippi, as the Bank of Renasant. Over the years, it has grown through organic expansion and acquisitions, evolving into a regional financial services provider.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and businesses, including checking and savings accounts, loans, and wealth management services.
- Insurance: Offers a range of insurance products, including commercial, personal, and employee benefits insurance.
- Wealth Management: Provides investment advisory, trust, and estate planning services to individuals and families.
Leadership and Structure
Renasant Corporation is led by its executive management team and overseen by a board of directors. The company operates with a decentralized structure, empowering local market leaders.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes. Market share data is not publicly available. Competitors include other regional and national banks like Truist Financial (TFC) and Regions Financial Corporation (RF).
- Mortgage Lending: Offers mortgage loans to individuals. Market share data is not publicly available. Competitors include Rocket Companies (RKT) and PennyMac Financial Services (PFSI).
- Deposit Accounts: Includes checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available. Competitors include Bank of America (BAC) and Wells Fargo (WFC).
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic cycles. The industry is currently facing challenges with interest rate volatility, increased competition from fintech companies, and evolving customer expectations.
Positioning
Renasant Corporation is a regional bank focusing on community banking and relationship-based service. Its competitive advantages include local market expertise and personalized service.
Total Addressable Market (TAM)
The total addressable market (TAM) for banking services in Renasant's operating region is significant, estimated to be in the tens of billions of dollars. Renasant is positioned to capture a portion of this market through its community focus and range of financial services.
Upturn SWOT Analysis
Strengths
- Strong presence in the Southeast
- Relationship-focused banking approach
- Diversified revenue streams (banking, insurance, wealth management)
- Experienced management team
Weaknesses
- Smaller size compared to national banks
- Limited geographic diversification
- Potential for increased competition from fintech companies
- Reliance on interest rate environment
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Strategic acquisitions of smaller banks or insurance agencies
Threats
- Economic downturn impacting loan demand
- Rising interest rates increasing funding costs
- Increased regulatory scrutiny
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- TFC
- RF
- FHN
- WTFC
- CBSH
Competitive Landscape
Renasant competes with a mix of regional and national banks. It aims to differentiate itself through its community focus and personalized service. Its advantages include local market expertise and strong relationships with customers. Its disadvantages include smaller size and limited geographic diversification compared to larger competitors.
Major Acquisitions
McEwen Bank
- Year: 2022
- Acquisition Price (USD millions): 60
- Strategic Rationale: Expanded Renasant's presence in the Nashville, Tennessee market.
Growth Trajectory and Initiatives
Historical Growth: Renasant has grown organically and through acquisitions over the past decade. Its growth has been driven by expansion into new markets and increased lending activity.
Future Projections: Analyst estimates suggest continued growth for Renasant, driven by expansion into new markets and increased adoption of digital banking technologies. However, future growth is subject to economic conditions and competitive pressures.
Recent Initiatives: Recent strategic initiatives include investments in digital banking platforms, expansion of wealth management services, and strategic acquisitions of smaller banks in target markets.
Summary
Renasant Corporation is a regional bank with a solid presence in the Southeast, emphasizing community relationships. While its diversified revenue streams and expansion initiatives are strengths, its smaller size and reliance on the interest rate environment pose challenges. Renasant needs to navigate competition from larger banks and fintech firms while capitalizing on opportunities for growth in wealth management and digital banking.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, press releases, analyst reports, financial news sources.
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.
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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