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Upturn AI Summary - About
Renasant Corporation(RNST)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RNST
10/09/2026: RNST (1-star) is currently NOT-A-BUY. Pass it for now.
Renasant Corporation is a long-standing regional bank holding company providing comprehensive financial services across the Southeastern United States. The company derives its strength from a diversified revenue model and a conservative lending culture that has fostered stable long-term growth. Its primary growth opportunity lies in strategic market expansion and deepening relationships within high-growth urban corridors. Investors should monitor risks related to interest rate fluctuations, regional economic conditions, and the ongoing competitive pressure from both traditional and digital banking rivals. The stock may best suit value and dividend-focused investors seeking exposure to stable, regional financial institutions with a history of consistent returns.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential tied to regional economic expansion. |
| Momentum investor | Mixed fit | Momentum potential is conditional on positive sector-wide upturns and breakout news. |
| Value investor | Strong fit | The stock often trades at valuations reflective of fundamental book value and earnings stability. |
| Dividend investor | Strong fit | The consistent dividend payout history makes it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, banking sector volatility and economic cycles present inherent risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Regional bank stocks are sensitive to interest rate changes and economic outlook. |
| Valuation risk | Medium | Market mispricing of assets in a volatile rate environment can affect entry points. |
| Competition risk (traditional and fintech) | Medium / high | Losing deposit share to digital-first banks could pressure margins. |
| Business quality | Medium / high | The franchise has a stable, conservative reputation. |
| Dividend income | Medium | Sustainability depends on maintaining capital adequacy ratios. |
| Execution risk | Medium | Successfully integrating acquisitions is crucial for future margin expansion. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 1.21% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.57B USD | Price to earnings Ratio 11.54 | 1Y Target Price 47.71 |
Price to earnings Ratio 11.54 | 1Y Target Price 47.71 | ||
Volume (30-day avg) 706.7K shares | Beta 1.03 | 52 Weeks Range 32.25 - 44.28 | Updated Date 10/10/2026 |
52 Weeks Range 32.25 - 44.28 | Updated Date 10/10/2026 | ||
Dividends yield (FY) 2.34% | Basic EPS (TTM) 3.38 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core engine, profit grows when the bank manages rates effectively. |
| Non-Interest Income | Fees from trust services, insurance commissions, and mortgage banking fees. | This diversifies revenue beyond just lending activity. |
| Geography (Southeast US) | Operations in MS, TN, AL, GA, and FL. | The bank's performance is tied to the local economic health of these states. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.54 | Forward PE 10.42 | Enterprise Value 3.78B | Price to Sales(TTM) 3.36 |
Enterprise Value 3.78B | Price to Sales(TTM) 3.36 | ||
Enterprise Value to Revenue 4.33 | Enterprise Value to EBITDA - | Shares Outstanding 91.40M | Shares Floating 89.49M |
Shares Outstanding 91.40M | Shares Floating 89.49M | ||
Percent Insiders 1.85 | Percent Institutions 92.35 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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