$37.16
+0.32%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 estateย1-4 family mortgage; real estateยcommercial mortgage; real estateยconstruction 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.
Weak cash conversion. Significant portion of earnings not converting to cashโreview working capital trends and capital intensity.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
RNST โข NASDAQ
| Renasant Corporation Cash Flow Statement | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 | Dec 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 |
RNST - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
Continue your RNST research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.