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Renasant Corporation (RNST)

Upturn stock ratingUpturn stock rating
$35.93
Last Close (24-hour delay)
Profit since last BUY0.76%
upturn advisory
Consider higher Upturn Star rating
BUY since 33 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

06/30/2025: RNST (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

6 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $39.67

1 Year Target Price $39.67

Analysts Price Target For last 52 week
$39.67Target price
Low$26.8
Current$35.93
high$39.13

Analysis of Past Performance

Type Stock
Historic Profit -8.02%
Avg. Invested days 24
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 3.43B USD
Price to earnings Ratio 11.2
1Y Target Price 39.67
Price to earnings Ratio 11.2
1Y Target Price 39.67
Volume (30-day avg) 6
Beta 0.92
52 Weeks Range 26.80 - 39.13
Updated Date 06/29/2025
52 Weeks Range 26.80 - 39.13
Updated Date 06/29/2025
Dividends yield (FY) 2.44%
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 11.2
Forward PE 12.48
Enterprise Value 2869025792
Price to Sales(TTM) 4.82
Enterprise Value 2869025792
Price to Sales(TTM) 4.82
Enterprise Value to Revenue 5.92
Enterprise Value to EBITDA -
Shares Outstanding 95010400
Shares Floating 93146322
Shares Outstanding 95010400
Shares Floating 93146322
Percent Insiders 1.65
Percent Institutions 70.29

Analyst Ratings

Rating 3
Target Price 39.67
Buy 2
Strong Buy 2
Buy 2
Strong Buy 2
Hold 2
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Renasant Corporation

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 2200

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.