Renasant Corporation

Renasant Corporation

RNST·NASDAQ

$37.16

+0.32%
Financial ServicesBanks - Regional

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. It operates through three segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lending, and equipment leasing services, as well as safe deposit and night depository facilities. It also 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; and qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates. As of December 31, 2021, the company operated a network of 189 banking, lending, and mortgage offices located in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee; 150 full-service branches and 11 limited-service branches; 173 ATMs; and 38 interactive teller machines. Renasant Corporation was founded in 1904 and is headquartered in Tupelo, Mississippi.

At a Glance

Live Snapshot
Market Cap$3.53B
EPS3.2900
P/E Ratio10.86
Earnings Date01/27/2026
3Y+49.0%
5Y+49.0%
10Y+180.0%
3Y+11.0%
5Y+17.0%
10Y+187.0%
3Y-9.0%
5Y-21.0%
10Y-49.0%
Renasant Corporation

Renasant Corporation Profit Bridge

RNST · NASDAQ
Revenue1.04B
Cost of Goods Sold (384.85M)
Gross Profit653.18M
Operating Expenses (408.21M)
Operating Income244.97M
Interest Expense (375.58M)
Other Income/Expense0.00
Pretax Income244.97M
Income Tax (49.51M)
Net Income195.46M
Net Income
195.46M

Profitability Analysis

Gross Margin

62.9%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

23.6%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

18.8%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

20.2%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Renasant Corporation Income Statement

RNST • NASDAQ

Renasant Corporation Income StatementDec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006Dec 2005
REVENUE
1B
909.8M
691.1M
695.7M
731.6M
695.8M
605.8M
506.9M
466.6M
371.3M
306.9M
252.5M
228M
226M
216M
228.1M
255M
250.4M
200.2M
168.6M
GROSS PROFIT
(384.9M)
(293.6M)
(84.4M)
(42.5M)
(158.2M)
(106M)
(72.1M)
(45.4M)
(35.7M)
(26.4M)
(30.1M)
(33.8M)
(44.1M)
(63.8M)
(90.9M)
(98M)
(114.3M)
(107.2M)
(72.6M)
(51M)
653.2M
616.2M
606.7M
653.2M
573.4M
589.9M
533.7M
461.5M
430.9M
344.9M
276.8M
218.7M
183.9M
162.3M
125M
130.1M
140.7M
143.2M
127.6M
117.7M
OPERATING INCOME
(408.2M)
(439M)
(395.4M)
(430.3M)
(469.9M)
(374.2M)
(345M)
(301.6M)
(295.1M)
(245.1M)
(190.9M)
(172.9M)
(150.5M)
(127.6M)
(78.3M)
(105.8M)
(108M)
(98M)
(89M)
(83.9M)
(300M)
(296.5M)
(276M)
(292.8M)
(312.7M)
(290.9M)
(250.7M)
(216.8M)
(205.6M)
(172.8M)
(138.6M)
(118.1M)
(98.8M)
(82M)
(72.5M)
(68.6M)
(72.3M)
(58.3M)
(53.3M)
(49.8M)
245M
177.2M
211.3M
222.8M
103.5M
215.7M
188.6M
159.9M
135.8M
99.8M
85.9M
45.7M
33.5M
34.7M
46.7M
24.4M
32.7M
45.2M
38.6M
33.7M
PRE-TAX INCOME
(375.6M)
(278M)
(60.5M)
(44.7M)
(71.3M)
(98.9M)
(65.3M)
(37.9M)
(28.1M)
(21.7M)
(23.8M)
(23.4M)
(26M)
(41.4M)
(60.3M)
(71.1M)
(91.5M)
(102.4M)
(70.2M)
(48M)
512.2M
519.3M
481.3M
424M
426.8M
443.7M
396.5M
336.9M
301M
241.4M
202.5M
157.1M
133.3M
129.3M
105.2M
99.5M
109.4M
95.8M
84.1M
80.4M
(108.2M)
(142.5M)
(119.4M)
(137.5M)
(157.2M)
(83.2M)
(94.3M)
(84.8M)
(89.5M)
(72.4M)
(52.4M)
(54.9M)
(51.7M)
(45.6M)
(5.9M)
(37.2M)
(35.7M)
(39.7M)
(35.7M)
(34.1M)
245M
177.2M
211.3M
222.8M
103.5M
215.7M
188.6M
159.9M
135.8M
99.8M
85.9M
45.7M
33.5M
34.7M
46.7M
24.4M
32.7M
45.2M
38.6M
33.7M
NET INCOME
(49.5M)
(32.5M)
(45.2M)
(46.9M)
(19.8M)
(48.1M)
(41.7M)
(67.7M)
(44.8M)
(31.8M)
(26.3M)
(12.3M)
(6.8M)
(9M)
(15M)
(5.9M)
(8.7M)
(14.1M)
(11.5M)
(9.5M)
195.5M
144.7M
166.1M
175.9M
83.7M
167.6M
146.9M
92.2M
90.9M
68M
59.6M
33.5M
26.6M
25.6M
31.7M
18.5M
24.1M
31.1M
27.1M
24.2M

SEC Filings

RNST - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 15, 2026
May 15, 2026
2026
8-K

8-K 2026

N/A

May 07, 2026
May 04, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 01, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 30, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 18, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

March 16, 2026
March 11, 2026
2026
10-K

10-K 2025 FY

FY

March 02, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 03, 2026
February 03, 2026
2026
Showing 1 to 10 of 519 filings