Stocks · Financial Services · Banks - Regional
Renasant Corporation RNST
$39.92 +1.63% Close, Oct 2, 2026 · NYSE · Market cap $3.65B
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 4 quarters (average surprise over the last four: +10.5%).
- Diluted EPS over the last four quarters was $3.34, up 31.5% year over year.
- Revenue over the last four quarters was $1.25B, up 10.3% from a year earlier, slowing from 42.2% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth78Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 38%
- EPS growth (TTM, YoY)Top 34%
- FCF growth (TTM, YoY)Top 5%
- Revenue growth, 3-year CAGRTop 18%
- Revenue growth accelerationBottom 4%
Quality40Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 42%
- Gross marginBottom 35%
- Operating marginBottom 30%
- Cash conversion (OCF / net income)Top 36%
- Accruals (lower is better)Top 45%
- Net debt / EBITDA (lower is better)Top 50%
- Interest coverBottom 20%
Value66Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 32%
- Free-cash-flow yieldTop 34%
- EBITDA / enterprise valueBottom 39%
- Sales / enterprise valueTop 47%
- P/E vs own 5-year history (lower is better)Top 36%
Momentum48Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 47%
- 6-month returnTop 44%
- 1-year return vs S&P 500Top 44%
- Distance from 52-week highTop 49%
- Trend checklist (0–4)Top 48%
Revisions86Strong
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 26%
- Consecutive EPS beatsTop 29%
- Share of analysts rating BuyTop 30%
- Upside to consensus price targetTop 36%
Stability47Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 28%
- Maximum drawdown, 3 yearsBottom 47%
- Beta vs S&P 500 (lower is better)Bottom 23%
- Net debt / EBITDA (lower is better)Top 50%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 42.2% | 10.3% | ↓ |
| EPS growth (YoY) | -25.1% | 31.5% | ↑ |
| Gross margin | 56.6% | 58.8% | ↑ |
| Operating margin | 17.8% | 13.8% | ↓ |
| FCF margin | 8.6% | 30.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 10.3% | 42.2% | ↓ | Top 38% |
| EPS growth (TTM, YoY) | 31.5% | -25.1% | ↑ | Top 34% |
| Gross margin | 58.8% | 56.6% | ↑ | Bottom 35% |
| Operating margin | 13.8% | 17.8% | ↓ | Bottom 30% |
| Net margin | 25.2% | 14.1% | ↑ | — |
| Free-cash-flow margin | 30.3% | 8.6% | ↑ | — |
| Return on invested capital | 2.4% | — | Top 42% | |
| Revenue growth, 3-year CAGR | 27.8% | — | Top 18% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.35×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -110.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.31×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.38%
- Net buyback yield (TTM)
- 4.10%
- Shareholder yield
- 6.49%
- Share count change, 1 year
- -2.0%
- Share count change, 3-year CAGR
- +18.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 4
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +10.5%
- Average 2-day reaction, last 8
- +0.4%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $48.00
- Target vs current price
- +20.2%
- Analysts with a rating
- 16
- Share rating Buy or Strong Buy
- 63%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +3.1% | +1.3% | +1.4% | -4.4% | — |
| Apr 28, 2026 | +10.7% | -0.2% | -1.5% | +3.6% | +7.6% |
| Jan 27, 2026 | +13.7% | -0.1% | +1.5% | +4.6% | +6.4% |
| Oct 28, 2025 | +14.4% | +0.1% | -4.0% | -0.5% | +6.5% |
| Jul 22, 2025 | -98.5% | -1.1% | -2.5% | -2.8% | -4.9% |
| Apr 22, 2025 | +29.4% | +2.6% | +15.7% | +28.6% | +40.0% |
| Jan 28, 2025 | +27.6% | +0.1% | +2.0% | -3.0% | -16.9% |
| Oct 22, 2024 | +11.1% | +0.2% | +7.3% | +13.5% | +12.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.94 | $0.91 | +3.1% | $273.9M |
| Apr 28, 2026 | $0.93 | $0.84 | +10.7% | $273.8M |
| Jan 27, 2026 | $0.91 | $0.80 | +13.7% | $278.5M |
| Oct 28, 2025 | $0.77 | $0.67 | +14.4% | $234.6M |
| Jul 22, 2025 | $0.01 | $0.74 | -98.5% | $267.2M |
| Apr 22, 2025 | $0.66 | $0.51 | +29.4% | $169.1M |
| Jan 28, 2025 | $0.73 | $0.57 | +27.6% | $167.1M |
| Oct 22, 2024 | $0.70 | $0.63 | +11.1% | $166.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.0× | 12.3× | 38th | Top 32% |
| P/E (forward) | 10.5× | — | — | — |
| EV / EBITDA | 22.0× | — | — | Bottom 39% |
| EV / Sales | 3.11× | — | — | Top 47% |
| Free-cash-flow yield | 10.35% | — | — | Top 34% |
| Earnings yield | 8.37% | — | — | Top 32% |
P/E over the past five years
Range 8.1× – 18.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +9.6%
- Earnings per share growth (TTM)
- +31.5%
- Change in P/E multiple
- -7.6%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 1
- 50-day average slope (20 days)
- -2.5%
- 200-day average slope (20 days)
- +1.2%
- Distance from 50-day average
- -4.1%
- Distance from 200-day average
- +0.2%
- RSI (14)
- 44.3
- Relative volume
- 1.19×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.6%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.96
- Correlation with S&P 500
- 0.53
- Current drawdown from 1-year high
- -9.9%
- Maximum drawdown, 3 years
- -29.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 12, 2021 | Oct 24, 2023 | -48.1% | 659 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.65B
- P/E (TTM)
- 12.0
- EPS, diluted (TTM)
- $3.34
- Revenue (TTM)
- $1.25B
- Dividend yield
- 2.35%
- 52-week range
- $33.04 – $44.54
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $695.7M | $691.1M | $909.8M | $1.04B | $1.44B |
| Gross profit | $653.2M | $606.7M | $616.2M | $653.2M | $878.4M |
| Operating income | $222.8M | $211.3M | $177.2M | $245.0M | $226.7M |
| Net income | $175.9M | $166.1M | $144.7M | $195.5M | $181.3M |
| EPS (diluted) | $3.12 | $2.95 | $2.58 | $3.27 | $2.07 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $265.0M | $259.6M | $255.2M | $351.2M | $362.1M | $376.4M | $387.0M | $122.0M |
| Net income | $72.5M | $44.7M | $41.5M | $1.0M | $59.8M | $78.9M | $88.2M | $87.1M |
| EPS (diluted) | $1.18 | $0.70 | $0.65 | $0.01 | $0.63 | $0.83 | $0.94 | $0.94 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $142.7M | $574.0M | $148.6M | $129.4M | $271.5M |
| Capital expenditure | -$20.5M | -$14.8M | -$21.6M | -$13.6M | -$33.7M |
| Free cash flow | $122.1M | $559.2M | $126.9M | $115.8M | $237.8M |
| Dividends paid | -$50.0M | -$50.0M | -$50.3M | -$53.7M | -$78.6M |
| Net share buybacks | -$21.3M | $0 | $0 | $217.0M | -$13.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $881.2M
- Total assets
- $27.00B
- Total liabilities
- $23.13B
- Total debt
- $1.11B
- Net debt
- $230.5M
- Shareholders’ equity
- $3.87B
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 16, 2026 | $0.24 | Sep 30, 2026 |
| Jun 16, 2026 | $0.24 | Jun 30, 2026 |
| Mar 17, 2026 | $0.23 | Mar 31, 2026 |
| Dec 18, 2025 | $0.23 | Jan 1, 2026 |
| Sep 16, 2025 | $0.22 | Sep 30, 2025 |
| Jun 16, 2025 | $0.22 | Jun 30, 2025 |
| Mar 17, 2025 | $0.22 | Mar 31, 2025 |
| Dec 18, 2024 | $0.22 | Jan 1, 2025 |
Short interest
- Shares sold short
- 4,792,309
- Days to cover
- 9.64
- Change vs previous report
- +7.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Aug 29, 2006
- 3-for-2
- Dec 2, 2003
- 3-for-2
- Jan 21, 1998
- 3-for-2
- May 21, 1996
- 3-for-2
- Jun 24, 1994
- 26-for-25