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Renasant (RNST) Financials

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$34.61 -0.09 (-0.26%)
Closing price 03:59 PM Eastern
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$34.62 +0.01 (+0.02%)
As of 04:04 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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 195 145 166 176 84 168 147 92 91 68 60
Consolidated Net Income / (Loss)		 195 145 166 176 84 168 147 92 91 68 60
Net Income / (Loss) Continuing Operations		 195 145 166 176 84 168 147 92 91 68 60
Total Pre-Tax Income 		245 177 211 223 103 216 189 160 136 100 86
Total Revenue		 716 632 631 651 662 597 540 469 438 350 283
Net Interest Income / (Expense)		 512 519 481 424 427 444 397 337 301 241 202
Total Interest Income		 888 797 542 469 498 543 462 375 329 263 226
Loans and Leases Interest Income		 806 716 480 435 466 501 428 344 302 236 200
Investment Securities Interest Income		 42 50 53 32 31 35 30 28 26 27 26
Other Interest Income		 40 30 8.85 1.69 1.19 5.89 3.08 2.31 0.46 0.22 0.40
Total Interest Expense		 376 278 61 45 71 99 65 38 28 22 24
Deposits Interest Expense		 347 232 35 29 54 82 50 25 18 14 16
Long-Term Debt Interest Expense		 29 46 25 16 17 17 16 13 10 7.95 7.71
Total Non-Interest Income		 204 113 149 227 236 153 144 132 137 108 81
Trust Fees by Commissions		 24 22 22 20 17 14 14 12 12 9.81 8.55
Service Charges on Deposit Accounts		 42 39 40 37 31 36 35 33 32 - -
Other Service Charges		 37 50 42 46 32 38 41 39 39 95 69
Net Realized & Unrealized Capital Gains on Investments		 53 -22 0.00 6.85 0.05 0.35 -0.02 0.15 1.19 0.10 0.38
Other Non-Interest Income		 48 24 45 117 156 64 55 48 54 3.61 2.99
Provision for Credit Losses		 9.27 16 24 -2.17 87 7.05 6.81 7.55 7.53 4.75 6.17
Total Non-Interest Expense		 462 440 395 430 472 374 345 302 295 245 191
Salaries and Employee Benefits		 284 282 262 281 302 251 214 185 172 145 115
Net Occupancy & Equipment Expense		 62 62 60 69 75 69 61 54 52 41 32
Marketing Expense		 16 15 14 12 10 12 9.46 8.25 7.08 6.11 5.92
Other Operating Expenses		 82 76 52 56 70 34 39 37 48 35 32
Amortization Expense		 4.69 5.38 5.12 6.04 7.12 8.11 7.18 6.53 6.75 6.07 5.61
Restructuring Charge		 13 0.00 2.52 0.37 7.37 0.28 14 10 4.02 12 0.69
Income Tax Expense		 50 33 45 47 20 48 42 68 45 32 26
Basic Earnings per Share		 $3.29 $2.58 $2.97 $3.13 $1.49 $2.89 $2.80 $1.97 $2.18 $1.89 $1.89
Weighted Average Basic Shares Outstanding		 63.66M 56.22M 56.02M 111.63M 56.24M 58M 52.50M 46.87M 41.74M 35.97M 31.50M
Diluted Earnings per Share		 $3.27 $2.56 $2.95 $3.12 $1.48 $2.88 $2.79 $1.96 $2.17 $1.88 $1.88
Weighted Average Diluted Shares Outstanding		 63.66M 56.22M 56.02M 111.63M 56.24M 58M 52.50M 46.87M 41.74M 35.97M 31.50M
Weighted Average Basic & Diluted Shares Outstanding		 63.66M 56.22M 56.02M 111.63M 56.24M 58M 52.50M 46.87M 41.74M 35.97M 31.50M
Cash Dividends to Common per Share		 $0.88 $0.88 $0.88 $0.88 $0.88 $0.87 $0.80 $0.73 $0.71 $0.68 $0.68

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 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 42 45 72 39 39 28 42 29 46 46 47
Consolidated Net Income / (Loss)		 42 45 72 39 39 28 42 29 46 46 47
Net Income / (Loss) Continuing Operations		 42 45 72 39 39 28 42 29 46 46 47
Total Pre-Tax Income 		52 50 97 49 49 32 53 35 57 59 60
Total Revenue		 171 167 220 164 165 146 166 147 173 171 172
Net Interest Income / (Expense)		 134 133 131 125 123 126 127 130 136 138 130
Total Interest Income		 220 225 229 220 213 210 206 197 184 165 143
Loans and Leases Interest Income		 200 203 207 202 195 192 185 176 164 147 125
Investment Securities Interest Income		 12 11 10 10 11 11 11 14 15 15 15
Other Interest Income		 8.64 12 12 7.87 7.78 7.84 10 6.98 5.43 2.78 3.46
Total Interest Expense		 86 92 98 95 90 84 78 67 48 27 13
Deposits Interest Expense		 79 86 91 88 83 77 71 51 33 17 7.24
Long-Term Debt Interest Expense		 6.75 6.89 7.26 7.56 7.28 7.31 7.39 16 15 9.92 5.57
Total Non-Interest Income		 36 34 89 39 41 20 38 17 37 33 41
Trust Fees by Commissions		 7.07 6.37 5.84 5.68 5.67 5.67 5.99 5.34 5.14 5.24 5.47
Service Charges on Deposit Accounts		 10 11 10 10 11 11 9.74 9.73 9.12 10 10
Other Service Charges		 7.96 7.12 8.37 10 11 14 12 12 12 10 11
Net Realized & Unrealized Capital Gains on Investments		 0.00 - 53 0.00 0.06 0.62 0.00 -22 0.00 - 0.00
Other Non-Interest Income		 11 10 11 12 14 -10 10 12 12 7.66 15
Provision for Credit Losses		 4.75 2.60 0.94 3.30 2.44 2.52 4.62 2.00 6.46 11 9.80
Total Non-Interest Expense		 114 115 122 112 113 112 108 110 109 101 102
Salaries and Employee Benefits		 72 70 71 71 71 72 69 71 70 67 66
Net Occupancy & Equipment Expense		 16 15 16 16 15 16 15 16 15 15 15
Marketing Expense		 4.30 3.84 3.68 3.81 4.89 3.08 3.47 3.48 4.69 3.63 3.23
Other Operating Expenses		 20 22 19 20 20 20 19 19 18 14 16
Amortization Expense		 1.08 1.13 1.16 1.19 1.21 1.27 1.31 1.37 1.43 1.20 1.25
Restructuring Charge		 0.79 - 11 - - - 0.00 - - 1.10 0.00
Income Tax Expense		 10 5.01 25 9.67 9.91 3.79 11 6.63 11 13 14
Basic Earnings per Share		 $0.65 $0.72 $1.18 $0.69 $0.70 $0.50 $0.75 $0.51 $0.82 $0.83 $0.83
Weighted Average Basic Shares Outstanding		 95.01M 63.66M 63.57M 63.56M 56.34M 56.22M 56.14M 56.14M 56.09M 56.02M 55.95M
Diluted Earnings per Share		 $0.65 $0.70 $1.18 $0.69 $0.70 $0.49 $0.74 $0.51 $0.82 $0.81 $0.83
Weighted Average Diluted Shares Outstanding		 95.01M 63.66M 63.57M 63.56M 56.34M 56.22M 56.14M 56.14M 56.09M 56.02M 55.95M
Weighted Average Basic & Diluted Shares Outstanding		 95.01M 63.66M 63.57M 63.56M 56.34M 56.22M 56.14M 56.14M 56.09M 56.02M 55.95M
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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 291 225 -1,302 1,245 218 -154 288 -25 95 50 -85
Net Cash From Operating Activities		 129 149 574 143 82 164 82 207 164 253 125
Net Cash From Continuing Operating Activities		 129 149 574 143 82 164 82 207 164 253 125
Net Income / (Loss) Continuing Operations		 195 145 166 176 84 168 147 92 91 68 60
Consolidated Net Income / (Loss)		 195 145 166 176 84 168 147 92 91 68 60
Provision For Loan Losses		 9.27 16 24 -2.17 87 7.05 6.81 7.55 7.53 4.75 6.17
Depreciation Expense		 32 35 43 47 35 8.19 3.50 4.83 3.09 9.20 8.10
Non-Cash Adjustments to Reconcile Net Income		 -85 -19 377 -15 -91 -7.64 -21 116 69 161 35
Changes in Operating Assets and Liabilities, net		 -23 -28 -36 -63 -32 -12 -54 -14 -6.56 9.64 16
Net Cash From Investing Activities		 -298 -55 -2,044 -660 -1,266 -506 -503 70 -352 -247 -203
Net Cash From Continuing Investing Activities		 -298 -55 -2,044 -660 -1,266 -506 -503 70 -352 -247 -203
Purchase of Property, Leasehold Improvements and Equipment		 -14 -22 -15 -21 -28 -35 -22 -13 -14 -25 -22
Purchase of Investment Securities		 -713 -788 -2,490 -1,292 -1,730 -969 -807 -656 -660 -515 -401
Sale of Property, Leasehold Improvements and Equipment		 0.34 0.94 1.23 9.81 0.00 3.73 0.92 2.10 2.46 2.22 2.91
Divestitures		 55 0.00 0.00 - - - 154 42 25 25 0.00
Sale and/or Maturity of Investments		 373 753 460 643 493 494 171 695 299 266 217
Net Cash From Financing Activities		 459 132 168 1,762 1,402 188 709 -301 283 45 -6.95
Net Cash From Continuing Financing Activities		 459 132 168 1,762 1,402 188 709 -301 283 45 -6.95
Net Change in Deposits		 496 590 -419 1,847 1,846 86 496 -77 489 2.22 -3.49
Issuance of Debt		 -200 -405 669 197 -370 150 264 0.00 98 375 30
Issuance of Common Equity		 217 0.00 0.00 - - - - - 84 0.00 0.00
Repayment of Debt		 -0.25 -2.68 -32 -210 -0.17 66 -0.85 -190 -362 -309 -14
Payment of Dividends		 -54 -50 -50 -50 -50 -51 -44 -34 -30 -25 -22
Cash Interest Paid		 381 240 55 46 74 98 67 37 26 22 24
Cash Income Taxes Paid		 29 42 42 51 40 27 25 33 23 19 18

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

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

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

Annual Metrics And Ratios for Renasant

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

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

Quarterly Metrics And Ratios for Renasant

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

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

Frequently Asked Questions About Renasant's Financials

When does Renasant's fiscal year end?

According to the most recent income statement we have on file, Renasant's financial year ends in December. Their financial 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. See Renasant's forecast for analyst expectations on what’s next for the company.

How has Renasant 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 5/23/2025 by MarketBeat.com Staff
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