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Renasant (RNST) Financials

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$39.10 -0.14 (-0.35%)
Closing price 03:59 PM Eastern
Extended Trading
$39.14 +0.03 (+0.08%)
As of 04:38 PM Eastern
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Annual Income Statements for Renasant

Annual Income Statements for Renasant

This table shows Renasant's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 60 68 91 92 147 168 84 176 166 145 195
Consolidated Net Income / (Loss)		 60 68 91 92 147 168 84 176 166 145 195
Net Income / (Loss) Continuing Operations		 60 68 91 92 147 168 84 176 166 145 195
Total Pre-Tax Income 		86 100 136 160 189 216 103 223 211 177 245
Total Revenue		 283 350 438 469 540 597 662 651 631 632 716
Net Interest Income / (Expense)		 202 241 301 337 397 444 427 424 481 519 512
Total Interest Income		 226 263 329 375 462 543 498 469 542 797 888
Loans and Leases Interest Income		 200 236 302 344 428 501 466 435 480 716 806
Investment Securities Interest Income		 26 27 26 28 30 35 31 32 53 50 42
Other Interest Income		 0.40 0.22 0.46 2.31 3.08 5.89 1.19 1.69 8.85 30 40
Total Interest Expense		 24 22 28 38 65 99 71 45 61 278 376
Deposits Interest Expense		 16 14 18 25 50 82 54 29 35 232 347
Long-Term Debt Interest Expense		 7.71 7.95 10 13 16 17 17 16 25 46 29
Total Non-Interest Income		 81 108 137 132 144 153 236 227 149 113 204
Trust Fees by Commissions		 8.55 9.81 12 12 14 14 17 20 22 22 24
Service Charges on Deposit Accounts		 - - 32 33 35 36 31 37 40 39 42
Other Service Charges		 69 95 39 39 41 38 32 46 42 50 37
Net Realized & Unrealized Capital Gains on Investments		 0.38 0.10 1.19 0.15 -0.02 0.35 0.05 6.85 0.00 -22 53
Other Non-Interest Income		 2.99 3.61 54 48 55 64 156 117 45 24 48
Provision for Credit Losses		 6.17 4.75 7.53 7.55 6.81 7.05 87 -2.17 24 16 9.27
Total Non-Interest Expense		 191 245 295 302 345 374 472 430 395 440 462
Salaries and Employee Benefits		 115 145 172 185 214 251 302 281 262 282 284
Net Occupancy & Equipment Expense		 32 41 52 54 61 69 75 69 60 62 62
Marketing Expense		 5.92 6.11 7.08 8.25 9.46 12 10 12 14 15 16
Other Operating Expenses		 32 35 48 37 39 34 70 56 52 76 82
Amortization Expense		 5.61 6.07 6.75 6.53 7.18 8.11 7.12 6.04 5.12 5.38 4.69
Restructuring Charge		 0.69 12 4.02 10 14 0.28 7.37 0.37 2.52 0.00 13
Income Tax Expense		 26 32 45 68 42 48 20 47 45 33 50
Basic Earnings per Share		 $1.89 $1.89 $2.18 $1.97 $2.80 $2.89 $1.49 $3.13 $2.97 $2.58 $3.29
Weighted Average Basic Shares Outstanding		 31.50M 35.97M 41.74M 46.87M 52.50M 58M 56.24M 111.63M 56.02M 56.22M 63.66M
Diluted Earnings per Share		 $1.88 $1.88 $2.17 $1.96 $2.79 $2.88 $1.48 $3.12 $2.95 $2.56 $3.27
Weighted Average Diluted Shares Outstanding		 31.50M 35.97M 41.74M 46.87M 52.50M 58M 56.24M 111.63M 56.02M 56.22M 63.66M
Weighted Average Basic & Diluted Shares Outstanding		 31.50M 35.97M 41.74M 46.87M 52.50M 58M 56.24M 111.63M 56.02M 56.22M 63.66M
Cash Dividends to Common per Share		 $0.68 $0.68 $0.71 $0.73 $0.80 $0.87 $0.88 $0.88 $0.88 $0.88 $0.88

Quarterly Income Statements for Renasant

This table shows Renasant's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 47 46 46 29 42 28 39 39 72 45 42
Consolidated Net Income / (Loss)		 47 46 46 29 42 28 39 39 72 45 42
Net Income / (Loss) Continuing Operations		 47 46 46 29 42 28 39 39 72 45 42
Total Pre-Tax Income 		60 59 57 35 53 32 49 49 97 50 52
Total Revenue		 172 171 173 147 166 146 165 164 220 167 171
Net Interest Income / (Expense)		 130 138 136 130 127 126 123 125 131 133 134
Total Interest Income		 143 165 184 197 206 210 213 220 229 225 220
Loans and Leases Interest Income		 125 147 164 176 185 192 195 202 207 203 200
Investment Securities Interest Income		 15 15 15 14 11 11 11 10 10 11 12
Other Interest Income		 3.46 2.78 5.43 6.98 10 7.84 7.78 7.87 12 12 8.64
Total Interest Expense		 13 27 48 67 78 84 90 95 98 92 86
Deposits Interest Expense		 7.24 17 33 51 71 77 83 88 91 86 79
Long-Term Debt Interest Expense		 5.57 9.92 15 16 7.39 7.31 7.28 7.56 7.26 6.89 6.75
Total Non-Interest Income		 41 33 37 17 38 20 41 39 89 34 36
Trust Fees by Commissions		 5.47 5.24 5.14 5.34 5.99 5.67 5.67 5.68 5.84 6.37 7.07
Service Charges on Deposit Accounts		 10 10 9.12 9.73 9.74 11 11 10 10 11 10
Other Service Charges		 11 10 12 12 12 14 11 10 8.37 7.12 7.96
Net Realized & Unrealized Capital Gains on Investments		 0.00 - 0.00 -22 0.00 0.62 0.06 0.00 53 - 0.00
Other Non-Interest Income		 15 7.66 12 12 10 -10 14 12 11 10 11
Provision for Credit Losses		 9.80 11 6.46 2.00 4.62 2.52 2.44 3.30 0.94 2.60 4.75
Total Non-Interest Expense		 102 101 109 110 108 112 113 112 122 115 114
Salaries and Employee Benefits		 66 67 70 71 69 72 71 71 71 70 72
Net Occupancy & Equipment Expense		 15 15 15 16 15 16 15 16 16 15 16
Marketing Expense		 3.23 3.63 4.69 3.48 3.47 3.08 4.89 3.81 3.68 3.84 4.30
Other Operating Expenses		 16 14 18 19 19 20 20 20 19 22 20
Amortization Expense		 1.25 1.20 1.43 1.37 1.31 1.27 1.21 1.19 1.16 1.13 1.08
Restructuring Charge		 0.00 1.10 - - 0.00 - - - 11 - 0.79
Income Tax Expense		 14 13 11 6.63 11 3.79 9.91 9.67 25 5.01 10
Basic Earnings per Share		 $0.83 $0.83 $0.82 $0.51 $0.75 $0.50 $0.70 $0.69 $1.18 $0.72 $0.65
Weighted Average Basic Shares Outstanding		 55.95M 56.02M 56.09M 56.14M 56.14M 56.22M 56.34M 63.56M 63.57M 63.66M 95.01M
Diluted Earnings per Share		 $0.83 $0.81 $0.82 $0.51 $0.74 $0.49 $0.70 $0.69 $1.18 $0.70 $0.65
Weighted Average Diluted Shares Outstanding		 55.95M 56.02M 56.09M 56.14M 56.14M 56.22M 56.34M 63.56M 63.57M 63.66M 95.01M
Weighted Average Basic & Diluted Shares Outstanding		 55.95M 56.02M 56.09M 56.14M 56.14M 56.22M 56.34M 63.56M 63.57M 63.66M 95.01M
Cash Dividends to Common per Share		 $0.22 $0.22 $0.22 $0.22 $0.22 $0.22 $0.22 $0.22 $0.22 $0.22 $0.22

Annual Cash Flow Statements for Renasant

This table details how cash moves in and out of Renasant's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -85 50 95 -25 288 -154 218 1,245 -1,302 225 291
Net Cash From Operating Activities		 125 253 164 207 82 164 82 143 574 149 129
Net Cash From Continuing Operating Activities		 125 253 164 207 82 164 82 143 574 149 129
Net Income / (Loss) Continuing Operations		 60 68 91 92 147 168 84 176 166 145 195
Consolidated Net Income / (Loss)		 60 68 91 92 147 168 84 176 166 145 195
Provision For Loan Losses		 6.17 4.75 7.53 7.55 6.81 7.05 87 -2.17 24 16 9.27
Depreciation Expense		 8.10 9.20 3.09 4.83 3.50 8.19 35 47 43 35 32
Non-Cash Adjustments to Reconcile Net Income		 35 161 69 116 -21 -7.64 -91 -15 377 -19 -85
Changes in Operating Assets and Liabilities, net		 16 9.64 -6.56 -14 -54 -12 -32 -63 -36 -28 -23
Net Cash From Investing Activities		 -203 -247 -352 70 -503 -506 -1,266 -660 -2,044 -55 -298
Net Cash From Continuing Investing Activities		 -203 -247 -352 70 -503 -506 -1,266 -660 -2,044 -55 -298
Purchase of Property, Leasehold Improvements and Equipment		 -22 -25 -14 -13 -22 -35 -28 -21 -15 -22 -14
Purchase of Investment Securities		 -401 -515 -660 -656 -807 -969 -1,730 -1,292 -2,490 -788 -713
Sale of Property, Leasehold Improvements and Equipment		 2.91 2.22 2.46 2.10 0.92 3.73 0.00 9.81 1.23 0.94 0.34
Divestitures		 0.00 25 25 42 154 - - - 0.00 0.00 55
Sale and/or Maturity of Investments		 217 266 299 695 171 494 493 643 460 753 373
Net Cash From Financing Activities		 -6.95 45 283 -301 709 188 1,402 1,762 168 132 459
Net Cash From Continuing Financing Activities		 -6.95 45 283 -301 709 188 1,402 1,762 168 132 459
Net Change in Deposits		 -3.49 2.22 489 -77 496 86 1,846 1,847 -419 590 496
Issuance of Debt		 30 375 98 0.00 264 150 -370 197 669 -405 -200
Issuance of Common Equity		 0.00 0.00 84 - - - - - 0.00 0.00 217
Repayment of Debt		 -14 -309 -362 -190 -0.85 66 -0.17 -210 -32 -2.68 -0.25
Payment of Dividends		 -22 -25 -30 -34 -44 -51 -50 -50 -50 -50 -54
Cash Interest Paid		 24 22 26 37 67 98 74 46 55 240 381
Cash Income Taxes Paid		 18 19 23 33 25 27 40 51 42 42 29

Quarterly Cash Flow Statements for Renasant

This table details how cash moves in and out of Renasant's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -531 96 272 99 -206 60 43 7.51 424 -184 -0.69
Net Cash From Operating Activities		 113 111 -7.38 -24 80 100 65 -49 21 92 106
Net Cash From Continuing Operating Activities		 113 111 -7.38 -24 80 100 65 -49 21 92 106
Net Income / (Loss) Continuing Operations		 47 46 46 29 42 28 39 39 72 45 42
Consolidated Net Income / (Loss)		 47 46 46 29 42 28 39 39 72 45 42
Provision For Loan Losses		 9.80 11 6.46 2.00 4.62 2.52 2.44 3.30 0.94 2.60 4.75
Depreciation Expense		 9.64 9.15 9.24 9.13 8.36 8.51 8.10 7.93 7.75 8.50 8.36
Non-Cash Adjustments to Reconcile Net Income		 68 38 -45 -68 9.22 85 11 -72 -73 49 26
Changes in Operating Assets and Liabilities, net		 -20 6.49 -24 4.12 16 -23 4.44 -27 13 -13 26
Net Cash From Investing Activities		 -500 -456 -153 427 -185 -145 30 -73 69 -324 -292
Net Cash From Continuing Investing Activities		 -500 -456 -153 427 -185 -145 30 -73 69 -324 -292
Purchase of Property, Leasehold Improvements and Equipment		 -4.51 -4.46 -8.24 -4.12 -4.04 -5.24 -3.30 -3.48 -3.63 -3.24 -4.82
Purchase of Investment Securities		 -608 -534 -218 -132 -267 -171 -196 -115 -30 -371 -347
Sale of Property, Leasehold Improvements and Equipment		 0.30 0.00 0.00 - - 0.94 0.26 0.03 0.05 0.01 1.27
Sale and/or Maturity of Investments		 112 82 73 564 86 30 229 45 47 51 59
Net Cash From Financing Activities		 -144 442 432 -304 -100 104 -52 130 333 48 185
Net Cash From Continuing Financing Activities		 -144 442 432 -304 -100 104 -52 130 333 48 185
Net Change in Deposits		 -332 55 425 183 62 -80 160 18 255 63 199
Issuance of Debt		 200 399 20 -475 -150 200 -199 125 -124 -0.71 -0.00
Repayment of Debt		 - - 0.00 - - -2.68 -0.25 - - - 0.00
Payment of Dividends		 -12 -13 -13 -13 -13 -13 -13 -13 -14 -14 -14
Cash Interest Paid		 13 22 41 51 62 86 91 96 100 94 86
Cash Income Taxes Paid		 13 23 17 5.63 7.85 11 0.00 18 9.45 1.65 0.00

Annual Balance Sheets for Renasant

This table presents Renasant's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 5,805 7,926 8,700 9,830 12,935 13,401 14,930 16,810 16,988 17,361 18,035
Cash and Due from Banks		 96 177 161 188 199 191 176 183 194 207 198
Interest Bearing Deposits at Other Banks		 66 35 146 94 371 224 457 1,695 382 595 894
Trading Account Securities		 984 1,105 1,031 671 1,662 1,609 1,761 2,840 2,968 2,324 2,203
Loans and Leases, Net of Allowance		 3,946 5,371 6,160 7,574 9,034 9,637 10,758 -164 11,386 12,153 12,683
Loans and Leases		 3,988 5,413 6,203 7,620 9,083 9,690 10,934 - 11,578 12,351 12,885
Allowance for Loan and Lease Losses		 42 42 43 46 49 52 176 164 192 199 202
Premises and Equipment, Net		 114 169 179 183 209 310 300 293 284 283 280
Goodwill		 275 446 471 611 933 940 940 940 992 992 989
Intangible Assets		 23 29 24 25 45 37 30 24 24 19 14
Other Assets		 278 370 351 376 482 453 507 10,836 758 788 773
Total Liabilities & Shareholders' Equity		 5,805 7,926 8,700 9,830 12,935 13,401 14,930 16,810 16,988 17,361 18,035
Total Liabilities		 5,093 6,890 7,467 8,315 10,891 11,275 12,797 14,600 14,852 15,063 15,357
Non-Interest Bearing Deposits		 920 1,278 1,561 1,840 2,319 2,552 3,685 4,718 4,559 3,584 3,404
Interest Bearing Deposits		 3,919 4,940 5,498 6,081 7,810 7,661 8,374 9,188 8,928 10,493 11,169
Short-Term Debt		 32 422 110 90 388 489 21 14 712 308 108
Long-Term Debt		 156 148 202 208 264 377 475 471 428 429 431
Other Long-Term Liabilities		 66 101 96 97 111 196 241 210 225 249 245
Total Equity & Noncontrolling Interests		 712 1,037 1,233 1,515 2,044 2,126 2,133 2,210 2,136 2,297 2,678
Total Preferred & Common Equity		 712 1,037 1,233 1,515 2,044 2,126 2,133 2,210 2,136 2,297 2,678
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 712 1,037 1,233 1,515 2,044 2,126 2,133 2,210 2,136 2,297 2,678
Common Stock		 508 792 933 1,148 1,585 1,591 1,593 1,597 1,599 1,605 1,824
Retained Earnings		 233 276 338 397 501 617 616 742 858 952 1,094
Treasury Stock		 -22 -22 -22 -20 -24 -83 -102 -118 -112 -105 -97
Accumulated Other Comprehensive Income / (Loss)		 -7.60 -9.54 -16 -11 -18 0.76 25 -10 -209 -154 -143

Quarterly Balance Sheets for Renasant

This table presents Renasant's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 16,471 17,474 17,224 17,182 17,346 17,510 17,959 18,271
Cash and Due from Banks		 207 194 211 179 174 224 229 203
Interest Bearing Deposits at Other Banks		 273 654 735 562 670 628 1,047 888
Trading Account Securities		 3,067 2,967 2,474 2,396 2,155 2,191 2,207 2,330
Loans and Leases, Net of Allowance		 0.00 11,571 11,736 11,970 12,299 12,405 12,427 12,852
Loans and Leases		 - 11,766 11,931 12,168 12,501 12,605 12,628 13,056
Allowance for Loan and Lease Losses		 - 195 194 198 201 200 200 204
Premises and Equipment, Net		 284 287 286 284 282 281 281 279
Goodwill		 946 992 992 992 992 992 989 989
Intangible Assets		 20 23 21 20 18 16 15 13
Other Assets		 11,671 12,358 764 769 755 766 764 717
Total Liabilities & Shareholders' Equity		 16,471 17,474 17,224 17,182 17,346 17,510 17,959 18,271
Total Liabilities		 14,379 15,287 15,016 14,948 15,023 15,156 15,301 15,544
Non-Interest Bearing Deposits		 4,827 4,245 3,879 3,734 3,516 3,539 3,530 3,541
Interest Bearing Deposits		 8,605 9,667 10,216 10,423 10,721 10,716 10,980 11,231
Short-Term Debt		 313 732 257 108 108 233 109 108
Long-Term Debt		 427 431 430 427 428 429 433 433
Other Long-Term Liabilities		 207 212 233 256 250 239 249 231
Total Equity & Noncontrolling Interests		 2,092 2,187 2,209 2,233 2,322 2,355 2,658 2,727
Total Preferred & Common Equity		 2,092 2,187 2,209 2,233 2,322 2,355 2,658 2,727
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 2,092 2,187 2,209 2,233 2,322 2,355 2,658 2,727
Common Stock		 1,596 1,596 1,598 1,601 1,600 1,601 1,821 1,819
Retained Earnings		 824 891 907 937 979 1,005 1,063 1,121
Treasury Stock		 -112 -108 -106 -105 -100 -98 -97 -92
Accumulated Other Comprehensive Income / (Loss)		 -216 -192 -191 -199 -157 -154 -129 -122

Annual Metrics And Ratios for Renasant

This table displays calculated financial ratios and metrics derived from Renasant's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 23.56% 23.55% 25.39% 6.99% 15.23% 10.44% 10.96% -1.71% -3.14% 0.29% 13.20%
EBITDA Growth		 71.39% 15.92% 27.45% 18.60% 16.66% 16.51% -38.30% 95.60% -5.97% -16.39% 30.52%
EBIT Growth		 87.75% 16.16% 36.10% 17.74% 18.00% 14.33% -52.02% 115.31% -5.17% -16.15% 38.25%
NOPAT Growth		 77.93% 14.15% 33.69% 1.38% 59.37% 14.07% -50.09% 110.27% -5.59% -12.88% 35.10%
Net Income Growth		 77.93% 14.15% 33.69% 1.38% 59.37% 14.07% -50.09% 110.27% -5.59% -12.88% 35.10%
EPS Growth		 54.10% 0.00% 15.43% -9.68% 42.35% 3.23% -48.61% 110.81% -5.45% -13.22% 27.73%
Operating Cash Flow Growth		 -18.66% 102.61% -35.16% 26.40% -60.34% 99.27% -49.74% 73.46% 302.39% -74.12% -12.88%
Free Cash Flow Firm Growth		 97.61% -18,873.09% 123.99% -214.30% -320.23% 82.55% 447.12% -75.35% -477.80% 193.11% -96.67%
Invested Capital Growth		 7.52% 78.50% -3.88% 17.30% 48.72% 10.98% -12.11% 2.51% 21.57% -7.39% 6.02%
Revenue Q/Q Growth		 0.29% 10.79% 1.04% 3.85% 5.08% -0.91% 3.87% -3.26% 3.64% -3.79% 2.99%
EBITDA Q/Q Growth		 11.11% 10.16% -0.05% 8.32% 5.08% -3.09% 0.03% 4.28% 2.82% -11.61% 6.88%
EBIT Q/Q Growth		 8.98% 9.14% 2.87% 7.86% 6.06% -4.29% -8.41% 4.74% 5.36% -13.33% 7.86%
NOPAT Q/Q Growth		 7.85% 8.91% 2.80% -7.17% 23.45% -3.46% -7.61% 3.25% 5.88% -11.15% 9.30%
Net Income Q/Q Growth		 7.85% 8.91% 2.80% -7.17% 23.45% -3.46% -7.61% 3.25% 5.88% -11.15% 9.30%
EPS Q/Q Growth		 7.43% 1.62% 1.88% -10.91% 18.72% -3.03% -7.50% 4.00% 4.98% -11.11% 6.86%
Operating Cash Flow Q/Q Growth		 4.76% 54.04% -34.00% 126.38% -47.57% 48.71% -53.74% 11.13% 11.34% -6.61% -6.05%
Free Cash Flow Firm Q/Q Growth		 91.25% -7.57% 150.91% 55.39% -223.57% -282.30% 1,935.68% 1.50% -4,721.68% 70.83% 105.09%
Invested Capital Q/Q Growth		 -2.98% 1.44% -4.14% -13.85% 10.00% 17.15% 0.27% 0.41% 15.69% 9.61% 0.53%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.21% 31.16% 31.68% 35.11% 35.55% 37.51% 20.85% 41.50% 40.29% 33.59% 38.73%
EBIT Margin		 30.35% 28.53% 30.97% 34.08% 34.90% 36.13% 15.63% 34.23% 33.51% 28.02% 34.22%
Profit (Net Income) Margin		 21.05% 19.45% 20.74% 19.65% 27.18% 28.08% 12.63% 27.02% 26.34% 22.88% 27.30%
Tax Burden Percent		 69.37% 68.17% 66.97% 57.66% 77.88% 77.70% 80.83% 78.94% 78.59% 81.65% 79.79%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 30.63% 31.83% 33.03% 42.34% 22.12% 22.30% 19.17% 21.06% 21.41% 18.35% 20.21%
Return on Invested Capital (ROIC)		 6.86% 5.42% 5.77% 5.49% 6.52% 5.89% 2.98% 6.61% 5.56% 4.59% 6.25%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.86% 5.42% 5.77% 5.49% 6.52% 5.89% 2.98% 6.61% 5.56% 4.59% 6.25%
Return on Net Nonoperating Assets (RNNOA)		 1.80% 2.36% 2.24% 1.22% 1.74% 2.14% 0.95% 1.49% 2.08% 1.94% 1.60%
Return on Equity (ROE)		 8.65% 7.78% 8.01% 6.71% 8.26% 8.04% 3.93% 8.10% 7.64% 6.53% 7.86%
Cash Return on Invested Capital (CROIC)		 -0.39% -50.95% 9.72% -10.43% -32.66% -4.52% 15.87% 4.13% -13.91% 12.26% 0.41%
Operating Return on Assets (OROA)		 1.49% 1.45% 1.63% 1.73% 1.66% 1.64% 0.73% 1.40% 1.25% 1.03% 1.38%
Return on Assets (ROA)		 1.03% 0.99% 1.09% 1.00% 1.29% 1.27% 0.59% 1.11% 0.98% 0.84% 1.10%
Return on Common Equity (ROCE)		 8.65% 7.78% 8.01% 6.71% 8.26% 8.04% 3.93% 8.10% 7.64% 6.53% 7.86%
Return on Equity Simple (ROE_SIMPLE)		 8.37% 6.56% 7.38% 6.09% 7.19% 7.88% 3.92% 7.96% 7.77% 6.30% 7.30%
Net Operating Profit after Tax (NOPAT)		 60 68 91 92 147 168 84 176 166 145 195
NOPAT Margin		 21.05% 19.45% 20.74% 19.65% 27.18% 28.08% 12.63% 27.02% 26.34% 22.88% 27.30%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 54.01% 55.05% 52.84% 52.66% 52.64% 55.56% 58.50% 55.51% 53.24% 56.63% 50.56%
Operating Expenses to Revenue		 67.47% 70.11% 67.31% 64.31% 63.84% 62.69% 71.26% 66.10% 62.70% 69.52% 64.48%
Earnings before Interest and Taxes (EBIT)		 86 100 136 160 189 216 103 223 211 177 245
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 94 109 139 165 192 224 138 270 254 212 277
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.02 1.08 1.19 1.12 0.74 0.84 0.81 0.89 0.93 0.80 0.85
Price to Tangible Book Value (P/TBV)		 1.75 2.00 1.99 1.93 1.43 1.55 1.48 1.58 1.77 1.43 1.36
Price to Revenue (P/Rev)		 2.56 3.21 3.35 3.62 2.82 2.99 2.60 3.03 3.15 2.91 3.17
Price to Earnings (P/E)		 12.16 16.53 16.17 18.42 10.36 10.65 20.60 11.20 11.96 12.71 11.63
Dividend Yield		 2.96% 2.44% 2.03% 2.12% 3.09% 2.79% 2.87% 2.49% 2.48% 2.69% 2.46%
Earnings Yield		 8.23% 6.05% 6.18% 5.43% 9.65% 9.39% 4.85% 8.93% 8.36% 7.87% 8.60%
Enterprise Value to Invested Capital (EV/IC)		 0.83 0.92 0.96 0.95 0.60 0.75 0.60 0.21 0.78 0.58 0.53
Enterprise Value to Revenue (EV/Rev)		 2.66 4.24 3.37 3.65 2.97 3.74 2.39 0.89 4.04 2.81 2.40
Enterprise Value to EBITDA (EV/EBITDA)		 8.00 13.61 10.63 10.41 8.35 9.98 11.48 2.14 10.04 8.36 6.20
Enterprise Value to EBIT (EV/EBIT)		 8.75 14.86 10.87 10.72 8.50 10.36 15.33 2.59 12.07 10.02 7.02
Enterprise Value to NOPAT (EV/NOPAT)		 12.61 21.80 16.24 18.59 10.92 13.33 18.96 3.28 15.36 12.27 8.80
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.03 5.87 9.01 8.28 19.54 13.66 19.29 4.05 4.44 11.95 13.28
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 9.64 0.00 0.00 0.00 3.56 5.26 0.00 4.59 133.60
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.27 0.55 0.25 0.20 0.32 0.41 0.23 0.22 0.53 0.32 0.20
Long-Term Debt to Equity		 0.22 0.14 0.16 0.14 0.13 0.18 0.22 0.21 0.20 0.19 0.16
Financial Leverage		 0.26 0.43 0.39 0.22 0.27 0.36 0.32 0.23 0.37 0.42 0.26
Leverage Ratio		 8.39 7.85 7.33 6.74 6.40 6.32 6.65 7.31 7.78 7.75 7.11
Compound Leverage Factor		 8.39 7.85 7.33 6.74 6.40 6.32 6.65 7.31 7.78 7.75 7.11
Debt to Total Capital		 20.97% 35.49% 20.20% 16.41% 24.17% 28.94% 18.88% 18.00% 34.81% 24.29% 16.74%
Short-Term Debt to Total Capital		 3.60% 26.27% 7.10% 4.96% 14.38% 16.35% 0.81% 0.52% 21.74% 10.14% 3.36%
Long-Term Debt to Total Capital		 17.37% 9.22% 13.10% 11.45% 9.78% 12.59% 18.07% 17.48% 13.07% 14.15% 13.39%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 79.03% 64.51% 79.80% 83.59% 75.83% 71.06% 81.12% 82.00% 65.19% 75.71% 83.26%
Debt to EBITDA		 2.01 5.24 2.25 1.81 3.39 3.87 3.59 1.80 4.49 3.47 1.94
Net Debt to EBITDA		 0.29 3.29 0.04 0.10 0.43 2.01 -0.99 -5.16 2.22 -0.30 -2.00
Long-Term Debt to EBITDA		 1.66 1.36 1.46 1.26 1.37 1.68 3.44 1.74 1.69 2.02 1.55
Debt to NOPAT		 3.17 8.39 3.43 3.23 4.43 5.16 5.93 2.76 6.87 5.09 2.76
Net Debt to NOPAT		 0.46 5.28 0.07 0.17 0.56 2.69 -1.64 -7.92 3.40 -0.44 -2.83
Long-Term Debt to NOPAT		 2.63 2.18 2.23 2.25 1.79 2.25 5.68 2.68 2.58 2.97 2.20
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -3.37 -639 153 -175 -736 -128 446 110 -415 387 13
Operating Cash Flow to CapEx		 647.10% 1,100.95% 1,475.91% 1,891.49% 383.00% 523.79% 290.92% 1,332.89% 4,219.68% 717.96% 973.05%
Free Cash Flow to Firm to Interest Expense		 -0.14 -29.49 5.44 -4.63 -11.27 -1.30 6.25 2.46 -6.86 1.39 0.03
Operating Cash Flow to Interest Expense		 5.21 11.66 5.82 5.47 1.26 1.65 1.15 3.19 9.49 0.53 0.34
Operating Cash Flow Less CapEx to Interest Expense		 4.41 10.60 5.43 5.18 0.93 1.34 0.76 2.95 9.26 0.46 0.31
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.63 2.47 2.52 2.59 2.75 2.30 2.17 2.19 2.19 2.23 2.54
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 900 1,607 1,545 1,812 2,695 2,991 2,629 2,695 3,276 3,034 3,217
Invested Capital Turnover		 0.33 0.28 0.28 0.28 0.24 0.21 0.24 0.24 0.21 0.20 0.23
Increase / (Decrease) in Invested Capital		 63 707 -62 267 883 296 -362 66 581 -242 183
Enterprise Value (EV)		 752 1,483 1,476 1,714 1,604 2,235 1,586 578 2,550 1,775 1,719
Market Capitalization		 724 1,124 1,471 1,698 1,522 1,784 1,723 1,971 1,986 1,839 2,272
Book Value per Share		 $22.57 $25.75 $29.28 $30.72 $34.81 $37.13 $37.95 $39.64 $38.18 $40.92 $42.13
Tangible Book Value per Share		 $13.14 $13.96 $17.54 $17.83 $18.16 $20.07 $20.69 $22.35 $20.02 $22.92 $26.36
Total Capital		 900 1,607 1,545 1,812 2,695 2,991 2,629 2,695 3,276 3,034 3,217
Total Debt		 189 570 312 297 651 866 496 485 1,140 737 539
Total Long-Term Debt		 156 148 202 208 264 377 475 471 428 429 431
Net Debt		 27 359 5.91 16 82 451 -137 -1,393 564 -64 -553
Capital Expenditures (CapEx)		 19 23 11 11 21 31 28 11 14 21 13
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 189 570 312 297 651 866 496 485 1,140 737 539
Total Depreciation and Amortization (D&A)		 8.10 9.20 3.09 4.83 3.50 8.19 35 47 43 35 32
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.89 $1.89 $2.18 $1.97 $2.80 $2.89 $1.49 $3.13 $2.97 $2.58 $3.29
Adjusted Weighted Average Basic Shares Outstanding		 31.60M 40.35M 44.36M 49.34M 58.57M 56.56M 56.24M 111.63M 56.02M 56.22M 63.66M
Adjusted Diluted Earnings per Share		 $1.88 $1.88 $2.17 $1.96 $2.79 $2.88 $1.48 $3.12 $2.95 $2.56 $3.27
Adjusted Weighted Average Diluted Shares Outstanding		 31.60M 40.35M 44.36M 49.34M 58.57M 56.56M 56.24M 111.63M 56.02M 56.22M 63.66M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $2.89 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 31.60M 40.35M 44.36M 49.34M 58.57M 56.56M 56.24M 111.63M 56.02M 56.22M 63.66M
Normalized Net Operating Profit after Tax (NOPAT)		 60 76 97 98 158 168 90 181 168 145 206
Normalized NOPAT Margin		 21.22% 21.72% 22.06% 20.96% 29.24% 28.12% 13.54% 27.81% 26.65% 22.88% 28.79%
Pre Tax Income Margin		 30.35% 28.53% 30.97% 34.08% 34.90% 36.13% 15.63% 34.23% 33.51% 28.02% 34.22%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.59 4.60 4.82 4.22 2.89 2.18 1.45 4.99 3.49 0.64 0.65
NOPAT to Interest Expense		 2.49 3.14 3.23 2.44 2.25 1.69 1.17 3.94 2.74 0.52 0.52
EBIT Less CapEx to Interest Expense		 2.78 3.55 4.43 3.93 2.56 1.86 1.05 4.75 3.27 0.56 0.62
NOPAT Less CapEx to Interest Expense		 1.68 2.08 2.84 2.15 1.92 1.38 0.78 3.70 2.52 0.45 0.49
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 36.11% 36.11% 32.70% 37.33% 29.69% 30.37% 59.93% 28.44% 30.10% 34.75% 27.49%
Augmented Payout Ratio		 36.11% 36.11% 32.70% 37.33% 34.49% 67.93% 89.30% 40.55% 30.10% 34.75% 27.49%

Quarterly Metrics And Ratios for Renasant

This table displays calculated financial ratios and metrics derived from Renasant's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 11.33% 14.87% 26.25% -2.18% -3.45% -14.55% -4.85% 11.09% 33.04% 14.21% 3.64%
EBITDA Growth		 10.38% 11.36% 22.75% -28.01% -12.64% -40.83% -13.83% 27.11% 72.47% 44.13% 5.06%
EBIT Growth		 17.33% 22.19% 38.37% -30.19% -12.52% -46.06% -14.07% 37.52% 85.13% 55.91% 5.36%
NOPAT Growth		 16.23% 24.89% 37.35% -27.81% -10.17% -39.23% -14.47% 35.62% 73.20% 59.11% 5.35%
Net Income Growth		 16.23% 24.89% 37.35% -27.81% -10.17% -39.23% -14.47% 35.62% 73.20% 59.11% 5.35%
EPS Growth		 16.90% 20.90% 36.67% -28.17% -10.84% -39.51% -14.63% 35.29% 59.46% 42.86% -7.14%
Operating Cash Flow Growth		 179.37% 111.36% -103.59% -116.79% -29.75% -9.47% 981.29% -103.15% -73.20% -8.30% 63.17%
Free Cash Flow Firm Growth		 -360.61% -1,750.77% -22,854.24% -408.38% 204.02% 150.49% 185.70% 60.31% -440.85% -151.03% -169.33%
Invested Capital Growth		 5.51% 21.57% 24.82% 8.81% -2.24% -7.39% -14.68% 4.16% 15.59% 6.02% 14.34%
Revenue Q/Q Growth		 13.78% -0.16% 1.07% -14.81% 12.30% -11.64% 12.55% -0.54% 34.50% -24.15% 2.13%
EBITDA Q/Q Growth		 13.12% -2.09% -2.46% -33.36% 37.28% -33.69% 42.06% -1.70% 86.27% -44.59% 3.55%
EBIT Q/Q Growth		 18.99% -1.61% -2.98% -38.54% 49.10% -39.33% 54.56% -1.64% 100.73% -48.91% 4.45%
NOPAT Q/Q Growth		 17.36% -0.62% -0.43% -37.84% 46.05% -32.77% 40.13% -1.43% 86.52% -38.24% -7.22%
Net Income Q/Q Growth		 17.36% -0.62% -0.43% -37.84% 46.05% -32.77% 40.13% -1.43% 86.52% -38.24% -7.22%
EPS Q/Q Growth		 16.90% -2.41% 1.23% -37.80% 45.10% -33.78% 42.86% -1.43% 71.01% -40.68% -7.14%
Operating Cash Flow Q/Q Growth		 -21.19% -2.17% -106.65% -227.26% 429.76% 26.07% -35.22% -175.44% 143.51% 331.34% 15.26%
Free Cash Flow Firm Q/Q Growth		 -251.75% -428.27% -15.88% 66.80% 151.19% 156.38% 96.69% -115.38% -339.54% 61.62% -167.26%
Invested Capital Q/Q Growth		 6.42% 15.69% 2.26% -13.58% -4.39% 9.61% -5.80% 5.51% 6.10% 0.53% 1.60%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.68% 39.90% 38.50% 30.12% 36.81% 27.63% 34.87% 34.46% 47.72% 34.86% 35.35%
EBIT Margin		 35.06% 34.55% 33.17% 23.93% 31.77% 21.81% 29.95% 29.62% 44.20% 29.77% 30.45%
Profit (Net Income) Margin		 27.15% 27.03% 26.62% 19.43% 25.26% 19.22% 23.93% 23.72% 32.89% 26.78% 24.33%
Tax Burden Percent		 77.44% 78.22% 80.28% 81.19% 79.53% 88.13% 79.90% 80.08% 74.41% 89.94% 79.89%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 22.56% 21.78% 19.72% 18.81% 20.47% 11.87% 20.10% 19.93% 25.59% 10.06% 20.11%
Return on Invested Capital (ROIC)		 5.99% 5.71% 5.88% 4.64% 5.93% 3.85% 4.81% 5.14% 7.66% 6.13% 5.73%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.99% 5.71% 5.88% 4.64% 5.93% 3.85% 4.81% 5.14% 7.66% 6.13% 5.73%
Return on Net Nonoperating Assets (RNNOA)		 1.70% 2.13% 2.33% 1.32% 1.75% 1.63% 1.81% 1.52% 1.69% 1.57% 1.22%
Return on Equity (ROE)		 7.69% 7.84% 8.21% 5.96% 7.68% 5.48% 6.62% 6.66% 9.35% 7.71% 6.96%
Cash Return on Invested Capital (CROIC)		 0.33% -13.91% -16.16% -2.41% 8.08% 12.26% 20.29% 0.94% -8.47% 0.41% -6.93%
Operating Return on Assets (OROA)		 1.31% 1.29% 1.29% 0.94% 1.24% 0.80% 1.07% 1.09% 1.75% 1.20% 1.23%
Return on Assets (ROA)		 1.01% 1.01% 1.03% 0.76% 0.99% 0.71% 0.86% 0.87% 1.30% 1.08% 0.99%
Return on Common Equity (ROCE)		 7.69% 7.84% 8.21% 5.96% 7.68% 5.48% 6.62% 6.66% 9.35% 7.71% 6.96%
Return on Equity Simple (ROE_SIMPLE)		 7.50% 0.00% 8.17% 7.59% 7.29% 0.00% 5.94% 6.29% 6.73% 0.00% 7.24%
Net Operating Profit after Tax (NOPAT)		 47 46 46 29 42 28 39 39 72 45 42
NOPAT Margin		 27.15% 27.03% 26.62% 19.43% 25.26% 19.22% 23.93% 23.72% 32.89% 26.78% 24.33%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.26% 50.02% 51.75% 60.82% 53.38% 61.89% 55.60% 55.15% 41.10% 53.59% 53.96%
Operating Expenses to Revenue		 59.23% 59.28% 63.10% 74.72% 65.45% 76.47% 68.57% 68.37% 55.37% 68.67% 66.77%
Earnings before Interest and Taxes (EBIT)		 60 59 57 35 53 32 49 49 97 50 52
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 70 68 67 44 61 40 57 56 105 58 60
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.80 0.93 0.75 0.64 0.64 0.80 0.75 0.73 0.78 0.85 0.79
Price to Tangible Book Value (P/TBV)		 1.48 1.77 1.41 1.19 1.17 1.43 1.33 1.28 1.25 1.36 1.25
Price to Revenue (P/Rev)		 2.74 3.15 2.48 2.14 2.17 2.91 2.80 2.69 2.97 3.17 2.99
Price to Earnings (P/E)		 10.61 11.96 9.24 8.49 8.78 12.71 12.64 11.61 11.55 11.63 10.93
Dividend Yield		 2.96% 2.48% 2.99% 3.47% 3.46% 2.69% 2.83% 2.88% 2.71% 2.46% 2.59%
Earnings Yield		 9.43% 8.36% 10.82% 11.78% 11.39% 7.87% 7.91% 8.61% 8.66% 8.60% 9.15%
Enterprise Value to Invested Capital (EV/IC)		 0.68 0.78 0.59 0.40 0.44 0.58 0.50 0.51 0.42 0.53 0.49
Enterprise Value to Revenue (EV/Rev)		 3.16 4.04 2.95 1.75 1.86 2.81 2.30 2.39 1.92 2.40 2.23
Enterprise Value to EBITDA (EV/EBITDA)		 7.79 10.04 7.38 4.67 5.09 8.36 7.07 7.11 5.13 6.20 5.75
Enterprise Value to EBIT (EV/EBIT)		 9.59 12.07 8.65 5.48 5.98 10.02 8.50 8.39 5.86 7.02 6.50
Enterprise Value to NOPAT (EV/NOPAT)		 12.27 15.36 11.00 6.94 7.51 12.27 10.41 10.32 7.45 8.80 8.15
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.73 4.44 5.45 6.03 7.69 11.95 6.50 7.80 9.67 13.28 9.44
Enterprise Value to Free Cash Flow (EV/FCFF)		 214.12 0.00 0.00 0.00 5.40 4.59 2.28 55.32 0.00 133.60 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.35 0.53 0.53 0.31 0.24 0.32 0.23 0.28 0.20 0.20 0.20
Long-Term Debt to Equity		 0.20 0.20 0.20 0.19 0.19 0.19 0.18 0.18 0.16 0.16 0.16
Financial Leverage		 0.28 0.37 0.40 0.28 0.29 0.42 0.38 0.30 0.22 0.26 0.21
Leverage Ratio		 7.59 7.78 7.94 7.82 7.78 7.75 7.72 7.61 7.18 7.11 7.05
Compound Leverage Factor		 7.59 7.78 7.94 7.82 7.78 7.75 7.72 7.61 7.18 7.11 7.05
Debt to Total Capital		 26.12% 34.81% 34.72% 23.72% 19.33% 24.29% 18.76% 21.93% 16.93% 16.74% 16.56%
Short-Term Debt to Total Capital		 11.05% 21.74% 21.85% 8.89% 3.89% 10.14% 3.78% 7.72% 3.40% 3.36% 3.30%
Long-Term Debt to Total Capital		 15.07% 13.07% 12.87% 14.84% 15.44% 14.15% 14.97% 14.21% 13.54% 13.39% 13.26%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.88% 65.19% 65.28% 76.28% 80.67% 75.71% 81.24% 78.07% 83.07% 83.26% 83.44%
Debt to EBITDA		 2.99 4.49 4.37 2.76 2.23 3.47 2.64 3.07 2.09 1.94 1.93
Net Debt to EBITDA		 1.05 2.22 1.18 -1.04 -0.86 -0.30 -1.52 -0.89 -2.83 -2.00 -1.96
Long-Term Debt to EBITDA		 1.73 1.69 1.62 1.72 1.78 2.02 2.11 1.99 1.67 1.55 1.55
Debt to NOPAT		 4.72 6.87 6.51 4.10 3.29 5.09 3.89 4.46 3.03 2.76 2.74
Net Debt to NOPAT		 1.66 3.40 1.77 -1.55 -1.27 -0.44 -2.23 -1.29 -4.10 -2.83 -2.78
Long-Term Debt to NOPAT		 2.72 2.58 2.41 2.56 2.62 2.97 3.10 2.89 2.42 2.20 2.19
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -101 -535 -620 -206 105 270 531 -82 -359 -138 -368
Operating Cash Flow to CapEx		 2,692.33% 2,487.40% -89.62% -586.93% 1,971.39% 2,337.19% 2,140.03% -1,424.59% 595.73% 2,849.47% 2,990.20%
Free Cash Flow to Firm to Interest Expense		 -7.90 -19.65 -12.85 -3.07 1.35 3.20 5.91 -0.86 -3.66 -1.49 -4.28
Operating Cash Flow to Interest Expense		 8.85 4.07 -0.15 -0.36 1.02 1.19 0.72 -0.52 0.22 1.00 1.23
Operating Cash Flow Less CapEx to Interest Expense		 8.52 3.91 -0.32 -0.42 0.97 1.14 0.69 -0.55 0.18 0.96 1.19
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.10 2.19 2.33 2.33 2.31 2.23 2.19 2.26 2.46 2.54 2.57
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,832 3,276 3,350 2,896 2,768 3,034 2,859 3,016 3,200 3,217 3,268
Invested Capital Turnover		 0.22 0.21 0.22 0.24 0.23 0.20 0.20 0.22 0.23 0.23 0.24
Increase / (Decrease) in Invested Capital		 148 581 666 234 -64 -242 -492 121 432 183 410
Enterprise Value (EV)		 1,924 2,550 1,965 1,162 1,223 1,775 1,437 1,530 1,332 1,719 1,610
Market Capitalization		 1,664 1,986 1,650 1,422 1,429 1,839 1,745 1,721 2,066 2,272 2,160
Book Value per Share		 $37.40 $38.18 $39.05 $39.37 $39.78 $40.92 $41.22 $41.80 $41.82 $42.13 $42.84
Tangible Book Value per Share		 $20.12 $20.02 $20.94 $21.31 $21.76 $22.92 $23.31 $23.90 $26.02 $26.36 $27.10
Total Capital		 2,832 3,276 3,350 2,896 2,768 3,034 2,859 3,016 3,200 3,217 3,268
Total Debt		 740 1,140 1,163 687 535 737 536 661 542 539 541
Total Long-Term Debt		 427 428 431 430 427 429 428 429 433 431 433
Net Debt		 260 564 315 -260 -206 -64 -308 -190 -734 -553 -550
Capital Expenditures (CapEx)		 4.21 4.46 8.24 4.12 4.04 4.30 3.04 3.45 3.58 3.23 3.55
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 740 1,140 1,163 687 535 737 536 661 542 539 541
Total Depreciation and Amortization (D&A)		 9.64 9.15 9.24 9.13 8.36 8.51 8.10 7.93 7.75 8.50 8.36
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.83 $0.83 $0.82 $0.51 $0.75 $0.50 $0.70 $0.69 $1.18 $0.72 $0.65
Adjusted Weighted Average Basic Shares Outstanding		 55.95M 56.02M 56.09M 56.14M 56.14M 56.22M 56.34M 63.56M 63.57M 63.66M 95.01M
Adjusted Diluted Earnings per Share		 $0.83 $0.81 $0.82 $0.51 $0.74 $0.49 $0.70 $0.69 $1.18 $0.70 $0.65
Adjusted Weighted Average Diluted Shares Outstanding		 55.95M 56.02M 56.09M 56.14M 56.14M 56.22M 56.34M 63.56M 63.57M 63.66M 95.01M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 55.95M 56.02M 56.09M 56.14M 56.14M 56.22M 56.34M 63.56M 63.57M 63.66M 95.01M
Normalized Net Operating Profit after Tax (NOPAT)		 47 47 46 29 42 28 39 39 81 45 42
Normalized NOPAT Margin		 27.15% 27.53% 26.62% 19.43% 25.26% 19.22% 23.93% 23.72% 36.70% 26.78% 24.70%
Pre Tax Income Margin		 35.06% 34.55% 33.17% 23.93% 31.77% 21.81% 29.95% 29.62% 44.20% 29.77% 30.45%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.69 2.17 1.19 0.53 0.67 0.38 0.55 0.51 0.99 0.54 0.60
NOPAT to Interest Expense		 3.63 1.70 0.95 0.43 0.53 0.33 0.44 0.41 0.74 0.48 0.48
EBIT Less CapEx to Interest Expense		 4.36 2.01 1.02 0.47 0.62 0.33 0.51 0.47 0.96 0.50 0.56
NOPAT Less CapEx to Interest Expense		 3.31 1.54 0.78 0.37 0.48 0.28 0.40 0.37 0.70 0.45 0.44
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.83% 30.10% 28.02% 29.92% 30.83% 34.75% 36.50% 34.03% 29.12% 27.49% 28.01%
Augmented Payout Ratio		 31.83% 30.10% 28.02% 29.92% 30.83% 34.75% 36.50% 34.03% 29.12% 27.49% 28.01%

Key Financial Trends

Renasant Corporation (NASDAQ:RNST) has displayed a generally positive financial performance through the recent quarters based on the analysis of income statements, cash flow statements, and balance sheets from Q3 2022 through Q1 2025. Here’s a breakdown of key trends and noteworthy items from the past several quarters to consider for retail investors:

  • Consistent Net Interest Income: Renasant’s net interest income has remained sturdy, with Q1 2025 reporting $134.2 million, up from $123.3 million in Q1 2024 and solid growth from prior years. This stability indicates effective lending and deposit rate management.
  • Growth in Loans and Leases: The net loans and leases figure has steadily increased from approximately $11.6 billion in Q1 2023 to a peak of $12.9 billion in Q1 2025, showing robust loan portfolio growth, a key revenue driver for banks.
  • Strong Core Earnings Per Share (EPS): EPS has generally improved over time, with Q1 2025 at $0.65, surpassing the $0.70 adjusted EPS last year’s same quarter after considering share count changes. This indicates profitable operations despite some share dilution.
  • Solid Operating Cash Flows: Operating cash flow was healthy in Q1 2025 at $106.2 million, reflecting strong cash generation to support ongoing operations and growth.
  • Increasing Deposit Balances: Total deposits rose meaningfully from around $14.6 billion in Q1 2023 to $14.9 billion in Q1 2025, indicating sustained customer trust and funding stability.
  • Controlled Provision for Credit Losses: Although provisions fluctuated, the Q1 2025 provision was moderate at $4.75 million, reflecting prudent risk management amid economic uncertainty.
  • Rising Interest Expense: Interest expense increased gradually from $48.3 million in Q1 2023 to $86.1 million in Q1 2025, largely due to higher deposit interest costs, which could pressure net interest margins going forward.
  • Moderate Increase in Non-Interest Expenses: Operating expenses including salaries, occupancy, marketing, and restructuring charges rose slightly in Q1 2025 to $114 million, necessitating efficiency improvements to protect profitability.
  • Goodwill and Intangible Assets: The company carries nearly $1 billion in goodwill and $13 million in intangible assets, reflecting past acquisitions which should be monitored for impairment risk, although no impairments were reported.
  • Investment Securities Activities Impact Cash Flow: Renasant recorded significant investing outflows due to large purchases of investment securities (e.g., $347 million in Q1 2025), which could limit cash flexibility in the short term.
  • Decline in Net Income in Q1 2025 compared to Prior Quarters: Net income in Q1 2025 was $41.5 million compared to $46.2 million in Q1 2024 and higher levels in 2023 quarters, signaling some earnings pressure that investors should watch for potential causes like credit losses or expense increases.
  • Cash and Equivalents Slightly Decreased Recently: Despite strong cash flow from operations, the overall net change in cash and equivalents was negative $693 thousand in Q1 2025, possibly due to investing and financing activities.

Summary: Over the past two years, Renasant has demonstrated steady loan growth, consistent net interest income, and strong operating cash flows, which support its core banking operations. Profitability remains robust with stable EPS, though some softness in net income and rising interest expenses should be monitored. Investing activities indicate ongoing portfolio repositioning but require attention on cash use. Overall, the company appears fundamentally sound with moderate risks related to expenses and credit loss provisions.

Retail investors should keep an eye on Renasant’s management of deposit costs, credit loss trends, and efficiency measures to maintain earnings momentum going forward.

08/30/25 12:50 AM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Renasant's Financials

When does Renasant's financial year end?

According to the most recent income statement we have on file, Renasant's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Renasant's net income changed over the last 10 years?

Renasant's net income appears to be on an upward trend, with a most recent value of $195.46 million in 2024, rising from $59.58 million in 2014. The previous period was $144.68 million in 2023. Check out Renasant's forecast to explore projected trends and price targets.

How has Renasant's revenue changed over the last 10 years?

Over the last 10 years, Renasant's total revenue changed from $282.99 million in 2014 to $715.86 million in 2024, a change of 153.0%.

How much debt does Renasant have?

Renasant's total liabilities were at $15.36 billion at the end of 2024, a 1.9% increase from 2023, and a 201.5% increase since 2014.

How much cash does Renasant have?

In the past 10 years, Renasant's cash and equivalents has ranged from $95.79 million in 2014 to $206.68 million in 2023, and is currently $198.41 million as of their latest financial filing in 2024.

How has Renasant's book value per share changed over the last 10 years?

Over the last 10 years, Renasant's book value per share changed from 22.57 in 2014 to 42.13 in 2024, a change of 86.7%.


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This page (NASDAQ:RNST) was last updated on 8/29/2025 by MarketBeat.com Staff
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