Renasant Corporation

Renasant Corporation

RNSTยทNASDAQ

$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 estateย–1-4 family mortgage; real estateย–commercial mortgage; real estateย–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-9.0%
5Y-21.0%
10Y-49.0%
3Y-55.0%
5Y-41.0%
10Y+20.0%
3Y-74.0%
5Y+144.0%
10Y+925.0%
RNST

Renasant Corporation Cash Conversion Engine

RNST ยท NASDAQ
Net Income195.46M
Depreciation & Amortization32.28M
Stock-Based Compensation13.88M
Change in Working Capital-22.87M
Others-93.98M
Capital Expenditures-13.64M
Free Cash Flow115.78M

Cash Flow Quality Analysis

FCF Conversion Rate

59.2%

Weak cash conversion. Significant portion of earnings not converting to cashโ€”review working capital trends and capital intensity.

CapEx Intensity

10.5%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-8.8%

Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.

Working Capital Impact

-$22.87M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Renasant Corporation Cash Flow Statement

RNST โ€ข NASDAQ

Renasant Corporation Cash Flow StatementDec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006Dec 2005
OPERATING ACTIVITIES
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
32.3M
35.2M
42.7M
47.4M
34.6M
8.2M
3.5M
4.8M
3.1M
9.2M
8.1M
9.1M
7.7M
4.8M
9.5M
8.9M
6.6M
6.5M
6.2M
8.1M
4.6M
-5M
2.3M
11.4M
-13.7M
20M
16.4M
37.9M
11M
13.8M
9.3M
-285K
-18.1M
-2.5M
9.8M
-447K
1.6M
-106K
634K
1.8M
13.9M
13.7M
11.5M
10.1M
10.6M
10.2M
7.3M
5.3M
3.1M
4.4M
3.9M
2.8M
1.4M
620K
752K
626K
1M
0.0
0.0
0.0
-94M
-12.1M
387.4M
-38.3M
-810K
-30.8M
-38.2M
80.5M
59.3M
143.2M
13.5M
5M
9.2M
8.4M
-14.4M
41.3M
18.4M
1.3M
374K
575K
(29.1M)
(42M)
(41.8M)
(51M)
(40M)
(26.7M)
(24.5M)
(32.6M)
(22.7M)
(18.6M)
(17.5M)
(12.8M)
(24M)
(9.3M)
(4.2M)
(7.1M)
(12M)
(0.0)
(0.0)
(0.0)
-22.9M
-28M
-36M
-63.7M
-32.1M
-11.6M
-53.8M
-13.7M
-3.7M
14.1M
30.3M
103.2M
150.9M
116.2M
63.2M
-19.1M
11M
4.4M
-300K
15M
129.4M
148.6M
574M
142.7M
82.2M
163.6M
82.1M
207M
163.8M
252.6M
124.7M
153.3M
177.7M
153.1M
100.5M
49.7M
62.6M
43.3M
34.1M
49.7M
INVESTING ACTIVITIES
-13.6M
-21.6M
-14.8M
-20.5M
-28.3M
-35M
-22.4M
-13M
-13.6M
-25.2M
-22.2M
-8.1M
-17.6M
-6.3M
-11.8M
-1.1M
-4.3M
-5.1M
-3.3M
-8M
(55.3M)
(0.0)
-120.9M
(0.0)
(0.0)
-250K
(153.5M)
(41.7M)
(25.3M)
(24.8M)
(0.0)
(170M)
-510K
(147.7M)
(337.1M)
(0.0)
(0.0)
-52.6M
(0.0)
-19.3M
-174.2M
-11.9M
-804.9M
-2.2B
-515.7M
-492M
-686.9M
-210.2M
-155.4M
-216.1M
-280.2M
-233.2M
-287.4M
-295M
-530.7M
-362.9M
-326.1M
-167.2M
-123.8M
-46.4M
368.2M
748M
453M
636.7M
482.9M
474.8M
163.1M
680.7M
281.8M
265.6M
217.4M
206.5M
409M
333.5M
414.6M
348.2M
159.5M
133.2M
97.1M
104.4M
-533.7M
-769.8M
-1.6B
883.9M
-1.2B
-453.4M
-110.6M
-429.5M
-490.1M
-296.5M
-117.9M
-192.4M
-300.4M
-44.2M
120.6M
112.3M
14.6M
-262M
-185.8M
-133.8M
-298M
-55.4M
-2B
-660M
-1.3B
-505.9M
-503.3M
(69.7M)
-352M
-247.4M
-202.8M
-57.2M
-196.8M
(135.5M)
(329.8M)
(96.6M)
-156.2M
-353.8M
-215.7M
-103.1M
FINANCING ACTIVITIES
217M
0.0
0.0
-21.3M
-24.6M
-62.9M
-7.1M
173K
84.1M
0.0
0.0
0.0
0.0
218K
51.8M
0.0
-2M
51.6M
1.2M
-9M
-199.8M
-407.3M
636.4M
-13.2M
-369.8M
216M
262.9M
-190.1M
-263.8M
66.5M
16.6M
-17.8M
-89.8M
-76.5M
-324.4M
-315.7M
309.8M
324.2M
-49.2M
-58.3M
-53.7M
-50.3M
-50M
-50M
-50.1M
-50.9M
-43.6M
-34.4M
-29.7M
-24.6M
-21.5M
-19.3M
-17.1M
-17.1M
-15.7M
-14.4M
-14.3M
-12.6M
-9.8M
-10.9M
(0.0)
(0.0)
(0.0)
-21.3M
-24.6M
-62.9M
-7.1M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-2M
(0.0)
(0.0)
(0.0)
495.8M
589.8M
-418.8M
1.8B
1.8B
85.9M
496.6M
-77M
492.3M
2.9M
-2M
55.2M
49.5M
-278.7M
2.1M
232M
-199.2M
-51.1M
240.5M
171.3M
459.3M
132.2M
167.6M
1.8B
1.4B
188.1M
708.8M
-301.5M
282.8M
44.8M
-6.9M
18.1M
-57.5M
-372.3M
-286.2M
-98.1M
94.2M
312.1M
182.7M
93.2M
CASH FLOW SUMMARY
290.7M
225.4M
-1.3B
1.2B
218.3M
-154.2M
287.7M
-24.8M
94.7M
50M
-85.1M
114.2M
-76.6M
-83.7M
144.1M
48.2M
601K
1.6M
2.3M
39.8M
801.4M
576M
1.9B
633.2M
414.9M
569.1M
281.5M
306.2M
211.6M
161.6M
246.6M
132.4M
209M
292.7M
148.6M
100.4M
99.8M
98.2M
95.9M
56M
1.1B
801.4M
576M
1.9B
633.2M
414.9M
569.1M
281.5M
306.2M
211.6M
161.6M
246.6M
132.4M
209M
292.7M
148.6M
100.4M
99.8M
98.2M
95.9M
115.8M
126.9M
559.2M
122.1M
54M
128.7M
59.8M
194M
150.2M
227.5M
102.5M
145.2M
160.1M
146.8M
88.7M
48.6M
58.3M
38.1M
30.8M
41.7M

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