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Renasant (RNST) Financials

$39.59 +0.52 (+1.32%)
As of 03:49 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 68 91 92 147 168 84 176 166 145 195 181
Consolidated Net Income / (Loss)		 68 91 92 147 168 84 176 166 145 195 181
Net Income / (Loss) Continuing Operations		 68 91 92 147 168 84 176 166 145 195 181
Total Pre-Tax Income 		100 136 160 189 216 103 223 211 177 245 227
Total Revenue		 350 438 469 540 597 662 651 631 632 716 986
Net Interest Income / (Expense)		 241 301 337 397 444 427 424 481 519 512 804
Total Interest Income		 263 329 375 462 543 498 469 542 797 888 1,262
Loans and Leases Interest Income		 236 302 344 428 501 466 435 480 716 806 1,128
Investment Securities Interest Income		 27 26 28 30 35 31 32 53 50 42 101
Other Interest Income		 0.22 0.46 2.31 3.08 5.89 1.19 1.69 8.85 30 40 33
Total Interest Expense		 22 28 38 65 99 71 45 61 278 376 458
Deposits Interest Expense		 14 18 25 50 82 54 29 35 232 347 413
Long-Term Debt Interest Expense		 7.95 10 13 16 17 17 16 25 46 29 46
Total Non-Interest Income		 108 137 132 144 153 236 227 149 113 204 182
Trust Fees by Commissions		 9.81 12 12 14 14 17 20 22 22 24 31
Service Charges on Deposit Accounts		 - 32 33 35 36 31 37 40 39 42 52
Other Service Charges		 95 39 39 41 38 32 46 42 50 37 47
Net Realized & Unrealized Capital Gains on Investments		 0.10 1.19 0.15 -0.02 0.35 0.05 6.85 0.00 -22 53 0.00
Other Non-Interest Income		 3.61 54 48 55 64 156 117 45 24 48 52
Provision for Credit Losses		 4.75 7.53 7.55 6.81 7.05 87 -2.17 24 16 9.27 107
Total Non-Interest Expense		 245 295 302 345 374 472 430 395 440 462 652
Salaries and Employee Benefits		 145 172 185 214 251 302 281 262 282 284 369
Net Occupancy & Equipment Expense		 41 52 54 61 69 75 69 60 62 62 84
Marketing Expense		 6.11 7.08 8.25 9.46 12 10 12 14 15 16 18
Other Operating Expenses		 35 48 37 39 34 70 56 52 76 82 104
Amortization Expense		 6.07 6.75 6.53 7.18 8.11 7.12 6.04 5.12 5.38 4.69 27
Restructuring Charge		 12 4.02 10 14 0.28 7.37 0.37 2.52 0.00 13 49
Income Tax Expense		 32 45 68 42 48 20 47 45 33 50 45
Basic Earnings per Share		 $1.89 $2.18 $1.97 $2.80 $2.89 $1.49 $3.13 $2.97 $2.58 $3.29 $2.09
Weighted Average Basic Shares Outstanding		 35.97M 41.74M 46.87M 52.50M 58M 56.24M 111.63M 56.02M 56.22M 63.66M 94.14M
Diluted Earnings per Share		 $1.88 $2.17 $1.96 $2.79 $2.88 $1.48 $3.12 $2.95 $2.56 $3.27 $2.07
Weighted Average Diluted Shares Outstanding		 35.97M 41.74M 46.87M 52.50M 58M 56.24M 111.63M 56.02M 56.22M 63.66M 94.14M
Weighted Average Basic & Diluted Shares Outstanding		 35.97M 41.74M 46.87M 52.50M 58M 56.24M 111.63M 56.02M 56.22M 63.66M 94.14M
Cash Dividends to Common per Share		 $0.68 $0.71 $0.73 $0.80 $0.87 $0.88 $0.88 $0.88 $0.88 $0.88 $0.89

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 42 28 39 39 72 45 42 1.02 60 79 88
Consolidated Net Income / (Loss)		 42 28 39 39 72 45 42 1.02 60 79 88
Net Income / (Loss) Continuing Operations		 42 28 39 39 72 45 42 1.02 60 79 88
Total Pre-Tax Income 		53 32 49 49 97 50 52 2.67 75 97 110
Total Revenue		 166 146 165 164 220 167 171 267 270 278 274
Net Interest Income / (Expense)		 127 126 123 125 131 133 134 219 224 227 224
Total Interest Income		 206 210 213 220 229 225 220 344 351 347 338
Loans and Leases Interest Income		 185 192 195 202 207 203 200 306 313 309 298
Investment Securities Interest Income		 11 11 11 10 10 11 12 28 30 30 32
Other Interest Income		 10 7.84 7.78 7.87 12 12 8.64 9.06 8.10 7.48 7.58
Total Interest Expense		 78 84 90 95 98 92 86 125 128 120 115
Deposits Interest Expense		 71 77 83 88 91 86 79 112 116 106 104
Long-Term Debt Interest Expense		 7.39 7.31 7.28 7.56 7.26 6.89 6.75 13 12 14 11
Total Non-Interest Income		 38 20 41 39 89 34 36 48 46 51 50
Trust Fees by Commissions		 5.99 5.67 5.67 5.68 5.84 6.37 7.07 7.35 8.22 8.57 8.68
Service Charges on Deposit Accounts		 9.74 11 11 10 10 11 10 14 13 15 15
Other Service Charges		 12 14 11 10 8.37 7.12 7.89 13 11 15 14
Other Non-Interest Income		 10 -10 14 12 11 10 11 15 13 13 13
Provision for Credit Losses		 4.62 2.52 2.44 3.30 0.94 2.60 4.75 81 10 11 8.08
Total Non-Interest Expense		 108 112 113 112 122 115 114 183 184 171 155
Salaries and Employee Benefits		 69 72 71 71 71 70 72 100 99 98 92
Net Occupancy & Equipment Expense		 15 16 15 16 16 15 16 23 24 22 23
Marketing Expense		 3.47 3.08 4.89 3.81 3.68 3.84 4.30 4.49 5.25 4.31 4.60
Other Operating Expenses		 19 20 20 20 19 22 20 27 29 27 28
Amortization Expense		 1.31 1.27 1.21 1.19 1.16 1.13 1.08 8.88 8.67 8.47 8.22
Restructuring Charge		 0.00 - 0.00 0.00 11 - 0.79 20 17 11 0.00
Income Tax Expense		 11 3.79 9.91 9.67 25 5.01 10 1.65 15 18 22
Basic Earnings per Share		 $0.75 $0.50 $0.70 $0.69 $1.18 $0.72 $0.65 $0.01 $0.63 $0.80 $0.94
Weighted Average Basic Shares Outstanding		 56.14M 56.22M 56.34M 63.56M 63.57M 63.66M 95.01M 95.02M 95.02M 94.14M 92.27M
Diluted Earnings per Share		 $0.74 $0.49 $0.70 $0.69 $1.18 $0.70 $0.65 $0.01 $0.63 $0.78 $0.94
Weighted Average Diluted Shares Outstanding		 56.14M 56.22M 56.34M 63.56M 63.57M 63.66M 95.01M 95.02M 95.02M 94.14M 92.27M
Weighted Average Basic & Diluted Shares Outstanding		 56.14M 56.22M 56.34M 63.56M 63.57M 63.66M 95.01M 95.02M 95.02M 94.14M 92.27M
Cash Dividends to Common per Share		 $0.22 $0.22 $0.22 $0.22 $0.22 $0.22 $0.22 $0.22 $0.22 - $0.23

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Change in Cash & Equivalents		 50 95 -25 288 -154 218 1,245 -1,302 225 291 -21
Net Cash From Operating Activities		 253 164 207 82 164 82 143 574 149 106 271
Net Cash From Continuing Operating Activities		 253 164 207 82 164 82 143 574 149 106 271
Net Income / (Loss) Continuing Operations		 68 91 92 147 168 84 176 166 145 195 181
Consolidated Net Income / (Loss)		 68 91 92 147 168 84 176 166 145 195 181
Provision For Loan Losses		 4.75 7.53 7.55 6.81 7.05 87 -2.17 24 16 9.27 107
Depreciation Expense		 9.20 3.09 4.83 3.50 8.19 35 47 43 35 32 16
Non-Cash Adjustments to Reconcile Net Income		 161 69 116 -21 -7.64 -91 -15 377 -20 -113 -5.59
Changes in Operating Assets and Liabilities, net		 9.64 -6.56 -14 -54 -12 -32 -63 -36 -27 -18 -28
Net Cash From Investing Activities		 -247 -352 70 -503 -506 -1,266 -660 -2,044 -55 -275 -734
Net Cash From Continuing Investing Activities		 -247 -352 70 -503 -506 -1,266 -660 -2,044 -55 -275 -734
Purchase of Property, Leasehold Improvements and Equipment		 -25 -14 -13 -22 -35 -28 -21 -15 -22 -14 -34
Purchase of Investment Securities		 -515 -660 -656 -807 -969 -1,730 -1,292 -2,490 -832 -721 -2,185
Sale of Property, Leasehold Improvements and Equipment		 2.22 2.46 2.10 0.92 3.73 0.00 9.81 1.23 0.94 0.34 8.64
Divestitures		 25 25 42 154 - - - 0.00 0.00 55 268
Sale and/or Maturity of Investments		 266 299 695 171 494 493 643 460 797 404 1,208
Net Cash From Financing Activities		 45 283 -301 709 188 1,402 1,762 168 132 459 441
Net Cash From Continuing Financing Activities		 45 283 -301 709 188 1,402 1,762 168 132 459 441
Net Change in Deposits		 2.22 489 -77 496 86 1,846 1,847 -419 590 496 444
Issuance of Debt		 375 98 0.00 264 150 -370 197 669 -405 -200 150
Issuance of Common Equity		 0.00 84 - - - - - 0.00 0.00 217 0.00
Repayment of Debt		 -309 -362 -190 -0.85 66 -0.17 -210 -32 -2.68 -0.25 -60
Repurchase of Common Equity		 - 0.00 0.00 -7.06 -63 -25 -21 - 0.00 0.00 -13
Payment of Dividends		 -25 -30 -34 -44 -51 -50 -50 -50 -50 -54 -79
Cash Interest Paid		 22 26 37 67 98 74 46 55 240 381 443
Cash Income Taxes Paid		 19 23 33 25 27 40 51 42 42 29 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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -206 60 43 7.51 424 -184 -0.69 287 -295 -13 146
Net Cash From Operating Activities		 80 100 65 -49 21 92 50 -77 135 107 100
Net Cash From Continuing Operating Activities		 80 100 65 -49 21 92 50 -77 135 107 100
Net Income / (Loss) Continuing Operations		 42 28 39 39 72 45 42 1.02 60 79 88
Consolidated Net Income / (Loss)		 42 28 39 39 72 45 42 1.02 60 79 88
Provision For Loan Losses		 4.62 2.52 2.44 3.30 0.94 2.60 4.75 81 10 11 8.08
Depreciation Expense		 8.36 8.51 8.10 7.93 7.75 8.50 8.36 3.43 1.38 3.05 0.27
Non-Cash Adjustments to Reconcile Net Income		 9.22 85 11 -72 -73 49 24 -117 61 24 43
Changes in Operating Assets and Liabilities, net		 16 -23 4.44 -27 13 -13 -29 -46 2.64 -9.86 -39
Net Cash From Investing Activities		 -185 -145 30 -73 69 -324 -236 30 -449 -23 -233
Net Cash From Continuing Investing Activities		 -185 -145 30 -73 69 -324 -236 30 -449 -23 -233
Purchase of Property, Leasehold Improvements and Equipment		 -4.04 -5.24 -3.30 -3.48 -3.63 -3.24 -4.82 -10 -15 -3.38 -6.33
Purchase of Investment Securities		 -267 -171 -191 -115 -30 -371 -176 -1,085 -556 -196 -389
Sale of Property, Leasehold Improvements and Equipment		 - 0.94 0.26 0.03 0.05 0.01 1.27 0.08 0.02 7.28 0.01
Sale and/or Maturity of Investments		 86 30 224 45 47 51 -57 863 123 163 162
Net Cash From Financing Activities		 -100 104 -52 130 333 48 185 335 18 -97 279
Net Cash From Continuing Financing Activities		 -100 104 -52 130 333 48 185 335 18 -97 279
Net Change in Deposits		 62 -80 160 18 255 63 199 357 -161 49 626
Repayment of Debt		 - -2.68 -0.25 - - - -0.00 - - -60 -250
Repurchase of Common Equity		 - - - - - - 0.00 - - - -76
Payment of Dividends		 -13 -13 -13 -13 -14 -14 -14 -21 -21 -22 -22
Cash Interest Paid		 62 86 91 96 100 94 86 114 125 119 113
Cash Income Taxes Paid		 7.85 11 0.00 18 9.45 1.65 0.00 21 0.19 -2.92 2.76

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Total Assets		 7,926 8,700 9,830 12,935 13,401 14,930 16,810 16,988 17,361 18,035 26,751
Cash and Due from Banks		 177 161 188 199 191 176 183 194 207 198 300
Interest Bearing Deposits at Other Banks		 35 146 94 371 224 457 1,695 382 595 894 771
Trading Account Securities		 1,105 1,031 671 1,662 1,609 1,761 2,840 2,968 2,324 2,203 3,857
Loans and Leases, Net of Allowance		 5,371 6,160 7,574 9,034 9,637 10,758 -164 11,386 12,153 12,683 18,753
Loans and Leases		 5,413 6,203 7,620 9,083 9,690 10,934 - 11,578 12,351 12,885 19,047
Allowance for Loan and Lease Losses		 42 43 46 49 52 176 164 192 199 202 294
Premises and Equipment, Net		 169 179 183 209 310 300 293 284 283 280 465
Goodwill		 446 471 611 933 940 940 940 992 992 989 1,406
Intangible Assets		 29 24 25 45 37 30 24 24 19 14 147
Other Assets		 370 351 376 482 453 507 10,836 758 788 773 1,053
Total Liabilities & Shareholders' Equity		 7,926 8,700 9,830 12,935 13,401 14,930 16,810 16,988 17,361 18,035 26,751
Total Liabilities		 6,890 7,467 8,315 10,891 11,275 12,797 14,600 14,852 15,063 15,357 22,867
Non-Interest Bearing Deposits		 1,278 1,561 1,840 2,319 2,552 3,685 4,718 4,559 3,584 3,404 5,044
Interest Bearing Deposits		 4,940 5,498 6,081 7,810 7,661 8,374 9,188 8,928 10,493 11,169 16,429
Short-Term Debt		 422 110 90 388 489 21 14 712 308 108 556
Long-Term Debt		 148 202 208 264 377 475 471 428 429 431 500
Other Long-Term Liabilities		 101 96 97 111 196 241 210 225 249 245 338
Total Equity & Noncontrolling Interests		 1,037 1,233 1,515 2,044 2,126 2,133 2,210 2,136 2,297 2,678 3,885
Total Preferred & Common Equity		 1,037 1,233 1,515 2,044 2,126 2,133 2,210 2,136 2,297 2,678 3,885
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		 1,037 1,233 1,515 2,044 2,126 2,133 2,210 2,136 2,297 2,678 3,885
Common Stock		 792 933 1,148 1,585 1,591 1,593 1,597 1,599 1,605 1,824 2,882
Retained Earnings		 276 338 397 501 617 616 742 858 952 1,094 1,197
Treasury Stock		 -22 -22 -20 -24 -83 -102 -118 -112 -105 -97 -103
Accumulated Other Comprehensive Income / (Loss)		 -9.54 -16 -11 -18 0.76 25 -10 -209 -154 -143 -90

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 Q2 2025 Q3 2025 Q1 2026
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 6/30/2025 9/30/2025 3/31/2026
Total Assets		 16,471 17,474 17,224 17,182 17,346 17,510 17,959 18,271 26,625 26,726 27,107
Cash and Due from Banks		 207 194 211 179 174 224 229 203 352 284 365
Interest Bearing Deposits at Other Banks		 273 654 735 562 670 628 1,047 888 1,027 799 852
Trading Account Securities		 3,067 2,967 2,474 2,396 2,155 2,191 2,207 2,330 3,905 3,851 4,047
Loans and Leases, Net of Allowance		 0.00 11,571 11,736 11,970 12,299 12,405 12,427 12,852 18,273 18,728 18,679
Loans and Leases		 - 11,766 11,931 12,168 12,501 12,605 12,628 13,056 18,563 19,026 18,975
Allowance for Loan and Lease Losses		 - 195 194 198 201 200 200 204 291 298 296
Premises and Equipment, Net		 284 287 286 284 282 281 281 279 465 471 464
Goodwill		 946 992 992 992 992 992 989 989 1,420 1,412 1,407
Intangible Assets		 20 23 21 20 18 16 15 13 164 155 138
Other Assets		 11,671 12,358 764 769 755 766 764 717 1,020 1,025 1,155
Total Liabilities & Shareholders' Equity		 16,471 17,474 17,224 17,182 17,346 17,510 17,959 18,271 26,625 26,726 27,107
Total Liabilities		 14,379 15,287 15,016 14,948 15,023 15,156 15,301 15,544 22,846 22,900 23,240
Non-Interest Bearing Deposits		 4,827 4,245 3,879 3,734 3,516 3,539 3,530 3,541 5,356 5,238 5,183
Interest Bearing Deposits		 8,605 9,667 10,216 10,423 10,721 10,716 10,980 11,231 16,226 16,186 16,916
Short-Term Debt		 313 732 257 108 108 233 109 108 405 606 306
Long-Term Debt		 427 431 430 427 428 429 433 433 557 559 500
Other Long-Term Liabilities		 207 212 233 256 250 239 249 231 301 311 335
Total Equity & Noncontrolling Interests		 2,092 2,187 2,209 2,233 2,322 2,355 2,658 2,727 3,779 3,826 3,867
Total Preferred & Common Equity		 2,092 2,187 2,209 2,233 2,322 2,355 2,658 2,727 3,779 3,826 3,867
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		 2,092 2,187 2,209 2,233 2,322 2,355 2,658 2,727 3,779 3,826 3,867
Common Stock		 1,596 1,596 1,598 1,601 1,600 1,601 1,821 1,819 2,882 2,878 2,877
Retained Earnings		 824 891 907 937 979 1,005 1,063 1,121 1,101 1,140 1,263
Treasury Stock		 -112 -108 -106 -105 -100 -98 -97 -92 -90 -90 -174
Accumulated Other Comprehensive Income / (Loss)		 -216 -192 -191 -199 -157 -154 -129 -122 -114 -101 -100

Annual Metrics And Ratios for Renasant

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 95,021,382.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 95,021,382.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.91
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 23.55% 25.39% 6.99% 15.23% 10.44% 10.96% -1.71% -3.14% 0.29% 13.20% 37.72%
EBITDA Growth		 15.92% 27.45% 18.60% 16.66% 16.51% -38.30% 95.60% -5.97% -16.39% 30.52% -12.37%
EBIT Growth		 16.16% 36.10% 17.74% 18.00% 14.33% -52.02% 115.31% -5.17% -16.15% 38.25% -7.44%
NOPAT Growth		 14.15% 33.69% 1.38% 59.37% 14.07% -50.09% 110.27% -5.59% -12.88% 35.10% -7.26%
Net Income Growth		 14.15% 33.69% 1.38% 59.37% 14.07% -50.09% 110.27% -5.59% -12.88% 35.10% -7.26%
EPS Growth		 0.00% 15.43% -9.68% 42.35% 3.23% -48.61% 110.81% -5.45% -13.22% 27.73% -36.70%
Operating Cash Flow Growth		 102.61% -35.16% 26.40% -60.34% 99.27% -49.74% 73.46% 302.39% -74.12% -12.88% 155.11%
Free Cash Flow Firm Growth		 -18,873.09% 123.99% -214.30% -320.23% 82.55% 447.12% -75.35% -477.80% 193.11% -96.67% -12,085.80%
Invested Capital Growth		 78.50% -3.88% 17.30% 48.72% 10.98% -12.11% 2.51% 21.57% -7.39% 6.02% 53.58%
Revenue Q/Q Growth		 10.79% 1.04% 3.85% 5.08% -0.91% 3.87% -3.26% 3.64% -3.79% 2.99% 12.73%
EBITDA Q/Q Growth		 10.16% -0.05% 8.32% 5.08% -3.09% 0.03% 4.28% 2.82% -11.61% 6.88% 20.67%
EBIT Q/Q Growth		 9.14% 2.87% 7.86% 6.06% -4.29% -8.41% 4.74% 5.36% -13.33% 7.86% 26.21%
NOPAT Q/Q Growth		 8.91% 2.80% -7.17% 23.45% -3.46% -7.61% 3.25% 5.88% -11.15% 9.30% 23.25%
Net Income Q/Q Growth		 8.91% 2.80% -7.17% 23.45% -3.46% -7.61% 3.25% 5.88% -11.15% 9.30% 23.25%
EPS Q/Q Growth		 1.62% 1.88% -10.91% 18.72% -3.03% -7.50% 4.00% 4.98% -11.11% 6.86% 4.02%
Operating Cash Flow Q/Q Growth		 54.04% -34.00% 126.38% -47.57% 48.71% -53.74% 11.13% 11.34% -6.61% -6.05% -2.85%
Free Cash Flow Firm Q/Q Growth		 -7.57% 150.91% 55.39% -223.57% -282.30% 1,935.68% 1.50% -4,721.68% 70.83% 105.09% 6.17%
Invested Capital Q/Q Growth		 1.44% -4.14% -13.85% 10.00% 17.15% 0.27% 0.41% 15.69% 9.61% 0.53% -1.01%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 31.16% 31.68% 35.11% 35.55% 37.51% 20.85% 41.50% 40.29% 33.59% 38.73% 24.64%
EBIT Margin		 28.53% 30.97% 34.08% 34.90% 36.13% 15.63% 34.23% 33.51% 28.02% 34.22% 23.00%
Profit (Net Income) Margin		 19.45% 20.74% 19.65% 27.18% 28.08% 12.63% 27.02% 26.34% 22.88% 27.30% 18.39%
Tax Burden Percent		 68.17% 66.97% 57.66% 77.88% 77.70% 80.83% 78.94% 78.59% 81.65% 79.79% 79.95%
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		 31.83% 33.03% 42.34% 22.12% 22.30% 19.17% 21.06% 21.41% 18.35% 20.21% 20.05%
Return on Invested Capital (ROIC)		 5.42% 5.77% 5.49% 6.52% 5.89% 2.98% 6.61% 5.56% 4.59% 6.25% 4.44%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.42% 5.77% 5.49% 6.52% 5.89% 2.98% 6.61% 5.56% 4.59% 6.25% 4.44%
Return on Net Nonoperating Assets (RNNOA)		 2.36% 2.24% 1.22% 1.74% 2.14% 0.95% 1.49% 2.08% 1.94% 1.60% 1.08%
Return on Equity (ROE)		 7.78% 8.01% 6.71% 8.26% 8.04% 3.93% 8.10% 7.64% 6.53% 7.86% 5.52%
Cash Return on Invested Capital (CROIC)		 -50.95% 9.72% -10.43% -32.66% -4.52% 15.87% 4.13% -13.91% 12.26% 0.41% -37.81%
Operating Return on Assets (OROA)		 1.45% 1.63% 1.73% 1.66% 1.64% 0.73% 1.40% 1.25% 1.03% 1.38% 1.01%
Return on Assets (ROA)		 0.99% 1.09% 1.00% 1.29% 1.27% 0.59% 1.11% 0.98% 0.84% 1.10% 0.81%
Return on Common Equity (ROCE)		 7.78% 8.01% 6.71% 8.26% 8.04% 3.93% 8.10% 7.64% 6.53% 7.86% 5.52%
Return on Equity Simple (ROE_SIMPLE)		 6.56% 7.38% 6.09% 7.19% 7.88% 3.92% 7.96% 7.77% 6.30% 7.30% 4.67%
Net Operating Profit after Tax (NOPAT)		 68 91 92 147 168 84 176 166 145 195 181
NOPAT Margin		 19.45% 20.74% 19.65% 27.18% 28.08% 12.63% 27.02% 26.34% 22.88% 27.30% 18.39%
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		 55.05% 52.84% 52.66% 52.64% 55.56% 58.50% 55.51% 53.24% 56.63% 50.56% 47.80%
Operating Expenses to Revenue		 70.11% 67.31% 64.31% 63.84% 62.69% 71.26% 66.10% 62.70% 69.52% 64.48% 66.10%
Earnings before Interest and Taxes (EBIT)		 100 136 160 189 216 103 223 211 177 245 227
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 109 139 165 192 224 138 270 254 212 277 243
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.08 1.19 1.12 0.74 0.84 0.81 0.89 0.93 0.80 0.85 0.86
Price to Tangible Book Value (P/TBV)		 2.00 1.99 1.93 1.43 1.55 1.48 1.58 1.77 1.43 1.36 1.43
Price to Revenue (P/Rev)		 3.21 3.35 3.62 2.82 2.99 2.60 3.03 3.15 2.91 3.17 3.39
Price to Earnings (P/E)		 16.53 16.17 18.42 10.36 10.65 20.60 11.20 11.96 12.71 11.63 18.46
Dividend Yield		 2.44% 2.03% 2.12% 3.09% 2.79% 2.87% 2.49% 2.48% 2.69% 2.46% 2.53%
Earnings Yield		 6.05% 6.18% 5.43% 9.65% 9.39% 4.85% 8.93% 8.36% 7.87% 8.60% 5.42%
Enterprise Value to Invested Capital (EV/IC)		 0.92 0.96 0.95 0.60 0.75 0.60 0.21 0.78 0.58 0.53 0.67
Enterprise Value to Revenue (EV/Rev)		 4.24 3.37 3.65 2.97 3.74 2.39 0.89 4.04 2.81 2.40 3.38
Enterprise Value to EBITDA (EV/EBITDA)		 13.61 10.63 10.41 8.35 9.98 11.48 2.14 10.04 8.36 6.20 13.71
Enterprise Value to EBIT (EV/EBIT)		 14.86 10.87 10.72 8.50 10.36 15.33 2.59 12.07 10.02 7.02 14.69
Enterprise Value to NOPAT (EV/NOPAT)		 21.80 16.24 18.59 10.92 13.33 18.96 3.28 15.36 12.27 8.80 18.38
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.87 9.01 8.28 19.54 13.66 19.29 4.05 4.44 11.95 13.28 12.27
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 9.64 0.00 0.00 0.00 3.56 5.26 0.00 4.59 133.60 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.55 0.25 0.20 0.32 0.41 0.23 0.22 0.53 0.32 0.20 0.27
Long-Term Debt to Equity		 0.14 0.16 0.14 0.13 0.18 0.22 0.21 0.20 0.19 0.16 0.13
Financial Leverage		 0.43 0.39 0.22 0.27 0.36 0.32 0.23 0.37 0.42 0.26 0.24
Leverage Ratio		 7.85 7.33 6.74 6.40 6.32 6.65 7.31 7.78 7.75 7.11 6.82
Compound Leverage Factor		 7.85 7.33 6.74 6.40 6.32 6.65 7.31 7.78 7.75 7.11 6.82
Debt to Total Capital		 35.49% 20.20% 16.41% 24.17% 28.94% 18.88% 18.00% 34.81% 24.29% 16.74% 21.37%
Short-Term Debt to Total Capital		 26.27% 7.10% 4.96% 14.38% 16.35% 0.81% 0.52% 21.74% 10.14% 3.36% 11.25%
Long-Term Debt to Total Capital		 9.22% 13.10% 11.45% 9.78% 12.59% 18.07% 17.48% 13.07% 14.15% 13.39% 10.12%
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		 64.51% 79.80% 83.59% 75.83% 71.06% 81.12% 82.00% 65.19% 75.71% 83.26% 78.63%
Debt to EBITDA		 5.24 2.25 1.81 3.39 3.87 3.59 1.80 4.49 3.47 1.94 4.34
Net Debt to EBITDA		 3.29 0.04 0.10 0.43 2.01 -0.99 -5.16 2.22 -0.30 -2.00 -0.06
Long-Term Debt to EBITDA		 1.36 1.46 1.26 1.37 1.68 3.44 1.74 1.69 2.02 1.55 2.06
Debt to NOPAT		 8.39 3.43 3.23 4.43 5.16 5.93 2.76 6.87 5.09 2.76 5.82
Net Debt to NOPAT		 5.28 0.07 0.17 0.56 2.69 -1.64 -7.92 3.40 -0.44 -2.83 -0.08
Long-Term Debt to NOPAT		 2.18 2.23 2.25 1.79 2.25 5.68 2.68 2.58 2.97 2.20 2.76
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)		 -639 153 -175 -736 -128 446 110 -415 387 13 -1,542
Operating Cash Flow to CapEx		 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% 1,082.51%
Free Cash Flow to Firm to Interest Expense		 -29.49 5.44 -4.63 -11.27 -1.30 6.25 2.46 -6.86 1.39 0.03 -3.37
Operating Cash Flow to Interest Expense		 11.66 5.82 5.47 1.26 1.65 1.15 3.19 9.49 0.53 0.34 0.59
Operating Cash Flow Less CapEx to Interest Expense		 10.60 5.43 5.18 0.93 1.34 0.76 2.95 9.26 0.46 0.31 0.54
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.47 2.52 2.59 2.75 2.30 2.17 2.19 2.19 2.23 2.54 2.65
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,607 1,545 1,812 2,695 2,991 2,629 2,695 3,276 3,034 3,217 4,940
Invested Capital Turnover		 0.28 0.28 0.28 0.24 0.21 0.24 0.24 0.21 0.20 0.23 0.24
Increase / (Decrease) in Invested Capital		 707 -62 267 883 296 -362 66 581 -242 183 1,723
Enterprise Value (EV)		 1,483 1,476 1,714 1,604 2,235 1,586 578 2,550 1,775 1,719 3,331
Market Capitalization		 1,124 1,471 1,698 1,522 1,784 1,723 1,971 1,986 1,839 2,272 3,347
Book Value per Share		 $25.75 $29.28 $30.72 $34.81 $37.13 $37.95 $39.64 $38.18 $40.92 $42.13 $40.88
Tangible Book Value per Share		 $13.96 $17.54 $17.83 $18.16 $20.07 $20.69 $22.35 $20.02 $22.92 $26.36 $24.55
Total Capital		 1,607 1,545 1,812 2,695 2,991 2,629 2,695 3,276 3,034 3,217 4,940
Total Debt		 570 312 297 651 866 496 485 1,140 737 539 1,056
Total Long-Term Debt		 148 202 208 264 377 475 471 428 429 431 500
Net Debt		 359 5.91 16 82 451 -137 -1,393 564 -64 -553 -15
Capital Expenditures (CapEx)		 23 11 11 21 31 28 11 14 21 13 25
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)		 570 312 297 651 866 496 485 1,140 737 539 1,056
Total Depreciation and Amortization (D&A)		 9.20 3.09 4.83 3.50 8.19 35 47 43 35 32 16
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.89 $2.18 $1.97 $2.80 $2.89 $1.49 $3.13 $2.97 $2.58 $3.29 $2.09
Adjusted Weighted Average Basic Shares Outstanding		 40.35M 44.36M 49.34M 58.57M 56.56M 56.24M 111.63M 56.02M 56.22M 63.66M 94.14M
Adjusted Diluted Earnings per Share		 $1.88 $2.17 $1.96 $2.79 $2.88 $1.48 $3.12 $2.95 $2.56 $3.27 $2.07
Adjusted Weighted Average Diluted Shares Outstanding		 40.35M 44.36M 49.34M 58.57M 56.56M 56.24M 111.63M 56.02M 56.22M 63.66M 94.14M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.89 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 40.35M 44.36M 49.34M 58.57M 56.56M 56.24M 111.63M 56.02M 56.22M 63.66M 94.14M
Normalized Net Operating Profit after Tax (NOPAT)		 76 97 98 158 168 90 181 168 145 206 221
Normalized NOPAT Margin		 21.72% 22.06% 20.96% 29.24% 28.12% 13.54% 27.81% 26.65% 22.88% 28.79% 22.39%
Pre Tax Income Margin		 28.53% 30.97% 34.08% 34.90% 36.13% 15.63% 34.23% 33.51% 28.02% 34.22% 23.00%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.60 4.82 4.22 2.89 2.18 1.45 4.99 3.49 0.64 0.65 0.49
NOPAT to Interest Expense		 3.14 3.23 2.44 2.25 1.69 1.17 3.94 2.74 0.52 0.52 0.40
EBIT Less CapEx to Interest Expense		 3.55 4.43 3.93 2.56 1.86 1.05 4.75 3.27 0.56 0.62 0.44
NOPAT Less CapEx to Interest Expense		 2.08 2.84 2.15 1.92 1.38 0.78 3.70 2.52 0.45 0.49 0.34
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 36.11% 32.70% 37.33% 29.69% 30.37% 59.93% 28.44% 30.10% 34.75% 27.49% 43.36%
Augmented Payout Ratio		 36.11% 32.70% 37.33% 34.49% 67.93% 89.30% 40.55% 30.10% 34.75% 27.49% 50.72%

Quarterly Metrics And Ratios for Renasant

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 95,021,382.00 94,142,307.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 95,021,382.00 94,142,307.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.83 0.94
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.45% -14.55% -4.85% 11.09% 33.04% 14.21% 3.64% 63.13% 22.36% 66.63% 60.52%
EBITDA Growth		 -12.64% -40.83% -13.83% 27.11% 72.47% 44.13% 5.06% -89.20% -27.10% 71.44% 83.50%
EBIT Growth		 -12.52% -46.06% -14.07% 37.52% 85.13% 55.91% 5.36% -94.50% -22.71% 94.63% 112.49%
NOPAT Growth		 -10.17% -39.23% -14.47% 35.62% 73.20% 59.11% 5.35% -97.38% -17.48% 76.43% 112.51%
Net Income Growth		 -10.17% -39.23% -14.47% 35.62% 73.20% 59.11% 5.35% -97.38% -17.48% 76.43% 112.51%
EPS Growth		 -10.84% -39.51% -14.63% 35.29% 59.46% 42.86% -7.14% -98.55% -46.61% 11.43% 44.62%
Operating Cash Flow Growth		 -29.75% -9.47% 981.29% -103.15% -73.20% -8.30% 63.17% -57.49% 8,260.84% 16.34% 99.72%
Free Cash Flow Firm Growth		 204.02% 150.49% 185.70% 60.31% -440.85% -151.03% -169.33% -2,009.95% -381.96% -1,093.05% -257.35%
Invested Capital Growth		 -2.24% -7.39% -14.68% 4.16% 15.59% 6.02% 14.34% 57.19% 55.96% 53.58% 42.98%
Revenue Q/Q Growth		 12.30% -11.64% 12.55% -0.54% 34.50% -24.15% 2.13% 56.56% 0.88% 3.30% -1.66%
EBITDA Q/Q Growth		 37.28% -33.69% 42.06% -1.70% 86.27% -44.59% 3.55% -89.89% 1,157.28% 30.31% 10.83%
EBIT Q/Q Growth		 49.10% -39.33% 54.56% -1.64% 100.73% -48.91% 4.45% -94.87% 2,722.12% 28.65% 14.03%
NOPAT Q/Q Growth		 46.05% -32.77% 40.13% -1.43% 86.52% -38.24% -7.22% -97.55% 5,773.08% 32.05% 11.75%
Net Income Q/Q Growth		 46.05% -32.77% 40.13% -1.43% 86.52% -38.24% -7.22% -97.55% 5,773.08% 32.05% 11.75%
EPS Q/Q Growth		 45.10% -33.78% 42.86% -1.43% 71.01% -40.68% -7.14% -98.46% 6,200.00% 23.81% 20.51%
Operating Cash Flow Q/Q Growth		 429.76% 26.07% -35.22% -175.44% 143.51% 331.34% 15.26% -172.81% 275.27% -20.91% -6.61%
Free Cash Flow Firm Q/Q Growth		 151.19% 156.38% 96.69% -115.38% -339.54% 61.62% -167.26% -367.99% -0.40% 4.99% 19.95%
Invested Capital Q/Q Growth		 -4.39% 9.61% -5.80% 5.51% 6.10% 0.53% 1.60% 45.06% 5.26% -1.01% -5.41%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 36.81% 27.63% 34.87% 34.46% 47.72% 34.86% 35.35% 2.28% 28.43% 35.87% 40.42%
EBIT Margin		 31.77% 21.81% 29.95% 29.62% 44.20% 29.77% 30.45% 1.00% 27.92% 34.78% 40.33%
Profit (Net Income) Margin		 25.26% 19.22% 23.93% 23.72% 32.89% 26.78% 24.33% 0.38% 22.18% 28.35% 32.22%
Tax Burden Percent		 79.53% 88.13% 79.90% 80.08% 74.41% 89.94% 79.89% 38.17% 79.44% 81.53% 79.90%
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		 20.47% 11.87% 20.10% 19.93% 25.59% 10.06% 20.11% 61.83% 20.56% 18.47% 20.10%
Return on Invested Capital (ROIC)		 5.93% 3.85% 4.81% 5.14% 7.66% 6.13% 5.73% 0.08% 4.74% 6.85% 8.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.93% 3.85% 4.81% 5.14% 7.66% 6.13% 5.73% 0.08% 4.74% 6.85% 8.84%
Return on Net Nonoperating Assets (RNNOA)		 1.75% 1.63% 1.81% 1.52% 1.69% 1.57% 1.22% 0.02% 1.25% 1.66% 1.81%
Return on Equity (ROE)		 7.68% 5.48% 6.62% 6.66% 9.35% 7.71% 6.96% 0.10% 5.98% 8.52% 10.64%
Cash Return on Invested Capital (CROIC)		 8.08% 12.26% 20.29% 0.94% -8.47% 0.41% -6.93% -40.36% -40.13% -37.81% -29.63%
Operating Return on Assets (OROA)		 1.24% 0.80% 1.07% 1.09% 1.75% 1.20% 1.23% 0.04% 1.09% 1.53% 1.94%
Return on Assets (ROA)		 0.99% 0.71% 0.86% 0.87% 1.30% 1.08% 0.99% 0.01% 0.87% 1.25% 1.55%
Return on Common Equity (ROCE)		 7.68% 5.48% 6.62% 6.66% 9.35% 7.71% 6.96% 0.10% 5.98% 8.52% 10.64%
Return on Equity Simple (ROE_SIMPLE)		 7.29% 0.00% 5.94% 6.29% 6.73% 0.00% 7.24% 4.23% 3.84% 0.00% 5.90%
Net Operating Profit after Tax (NOPAT)		 42 28 39 39 72 45 42 1.02 60 79 88
NOPAT Margin		 25.26% 19.22% 23.93% 23.72% 32.89% 26.78% 24.33% 0.38% 22.18% 28.35% 32.22%
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		 53.38% 61.89% 55.60% 55.15% 41.10% 53.59% 53.96% 47.47% 47.56% 44.59% 43.68%
Operating Expenses to Revenue		 65.45% 76.47% 68.57% 68.37% 55.37% 68.67% 66.77% 68.57% 68.20% 61.30% 56.72%
Earnings before Interest and Taxes (EBIT)		 53 32 49 49 97 50 52 2.67 75 97 110
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 61 40 57 56 105 58 60 6.10 77 100 111
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.64 0.80 0.75 0.73 0.78 0.85 0.79 0.90 0.92 0.86 0.88
Price to Tangible Book Value (P/TBV)		 1.17 1.43 1.33 1.28 1.25 1.36 1.25 1.56 1.55 1.43 1.46
Price to Revenue (P/Rev)		 2.17 2.91 2.80 2.69 2.97 3.17 2.99 4.14 4.01 3.39 3.12
Price to Earnings (P/E)		 8.78 12.71 12.64 11.61 11.55 11.63 10.93 21.37 23.83 18.46 14.92
Dividend Yield		 3.46% 2.69% 2.83% 2.88% 2.71% 2.46% 2.59% 2.45% 2.39% 2.53% 2.49%
Earnings Yield		 11.39% 7.87% 7.91% 8.61% 8.66% 8.60% 9.15% 4.68% 4.20% 5.42% 6.70%
Enterprise Value to Invested Capital (EV/IC)		 0.44 0.58 0.50 0.51 0.42 0.53 0.49 0.63 0.72 0.67 0.64
Enterprise Value to Revenue (EV/Rev)		 1.86 2.81 2.30 2.39 1.92 2.40 2.23 3.63 4.10 3.38 2.75
Enterprise Value to EBITDA (EV/EBITDA)		 5.09 8.36 7.07 7.11 5.13 6.20 5.75 13.04 17.81 13.71 10.20
Enterprise Value to EBIT (EV/EBIT)		 5.98 10.02 8.50 8.39 5.86 7.02 6.50 14.86 19.96 14.69 10.49
Enterprise Value to NOPAT (EV/NOPAT)		 7.51 12.27 10.41 10.32 7.45 8.80 8.15 18.76 24.39 18.38 13.12
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.69 11.95 6.50 7.80 9.67 13.28 9.44 21.06 12.83 12.27 9.30
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.40 4.59 2.28 55.32 0.00 133.60 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.24 0.32 0.23 0.28 0.20 0.20 0.20 0.25 0.30 0.27 0.21
Long-Term Debt to Equity		 0.19 0.19 0.18 0.18 0.16 0.16 0.16 0.15 0.15 0.13 0.13
Financial Leverage		 0.29 0.42 0.38 0.30 0.22 0.26 0.21 0.26 0.26 0.24 0.20
Leverage Ratio		 7.78 7.75 7.72 7.61 7.18 7.11 7.05 7.20 6.89 6.82 6.88
Compound Leverage Factor		 7.78 7.75 7.72 7.61 7.18 7.11 7.05 7.20 6.89 6.82 6.88
Debt to Total Capital		 19.33% 24.29% 18.76% 21.93% 16.93% 16.74% 16.56% 20.30% 23.34% 21.37% 17.25%
Short-Term Debt to Total Capital		 3.89% 10.14% 3.78% 7.72% 3.40% 3.36% 3.30% 8.55% 12.14% 11.25% 6.55%
Long-Term Debt to Total Capital		 15.44% 14.15% 14.97% 14.21% 13.54% 13.39% 13.26% 11.75% 11.20% 10.12% 10.71%
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		 80.67% 75.71% 81.24% 78.07% 83.07% 83.26% 83.44% 79.70% 76.66% 78.63% 82.75%
Debt to EBITDA		 2.23 3.47 2.64 3.07 2.09 1.94 1.93 4.19 5.79 4.34 2.75
Net Debt to EBITDA		 -0.86 -0.30 -1.52 -0.89 -2.83 -2.00 -1.96 -1.81 0.40 -0.06 -1.40
Long-Term Debt to EBITDA		 1.78 2.02 2.11 1.99 1.67 1.55 1.55 2.42 2.78 2.06 1.71
Debt to NOPAT		 3.29 5.09 3.89 4.46 3.03 2.76 2.74 6.02 7.92 5.82 3.54
Net Debt to NOPAT		 -1.27 -0.44 -2.23 -1.29 -4.10 -2.83 -2.78 -2.61 0.55 -0.08 -1.80
Long-Term Debt to NOPAT		 2.62 2.97 3.10 2.89 2.42 2.20 2.19 3.49 3.80 2.76 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)		 105 270 531 -82 -359 -138 -368 -1,724 -1,731 -1,645 -1,316
Operating Cash Flow to CapEx		 1,971.39% 2,337.19% 2,140.03% -1,424.59% 595.73% 2,849.47% 2,990.20% -765.26% 884.21% 0.00% 1,584.40%
Free Cash Flow to Firm to Interest Expense		 1.35 3.20 5.91 -0.86 -3.66 -1.49 -4.28 -13.79 -13.57 -13.76 -11.49
Operating Cash Flow to Interest Expense		 1.02 1.19 0.72 -0.52 0.22 1.00 1.23 -0.62 1.06 0.90 0.87
Operating Cash Flow Less CapEx to Interest Expense		 0.97 1.14 0.69 -0.55 0.18 0.96 1.19 -0.70 0.94 0.93 0.82
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05
Fixed Asset Turnover		 2.31 2.23 2.19 2.26 2.46 2.54 2.57 2.21 2.33 2.65 2.93
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,768 3,034 2,859 3,016 3,200 3,217 3,268 4,741 4,991 4,940 4,673
Invested Capital Turnover		 0.23 0.20 0.20 0.22 0.23 0.23 0.24 0.21 0.21 0.24 0.27
Increase / (Decrease) in Invested Capital		 -64 -242 -492 121 432 183 410 1,725 1,791 1,723 1,405
Enterprise Value (EV)		 1,223 1,775 1,437 1,530 1,332 1,719 1,610 2,997 3,586 3,331 2,991
Market Capitalization		 1,429 1,839 1,745 1,721 2,066 2,272 2,160 3,414 3,505 3,347 3,401
Book Value per Share		 $39.78 $40.92 $41.22 $41.80 $41.82 $42.13 $42.84 $39.77 $40.26 $40.88 $41.08
Tangible Book Value per Share		 $21.76 $22.92 $23.31 $23.90 $26.02 $26.36 $27.10 $23.11 $23.77 $24.55 $24.66
Total Capital		 2,768 3,034 2,859 3,016 3,200 3,217 3,268 4,741 4,991 4,940 4,673
Total Debt		 535 737 536 661 542 539 541 962 1,165 1,056 806
Total Long-Term Debt		 427 429 428 429 433 431 433 557 559 500 500
Net Debt		 -206 -64 -308 -190 -734 -553 -550 -416 81 -15 -411
Capital Expenditures (CapEx)		 4.04 4.30 3.04 3.45 3.58 3.23 3.55 10 15 -3.89 6.32
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)		 535 737 536 661 542 539 541 962 1,165 1,056 806
Total Depreciation and Amortization (D&A)		 8.36 8.51 8.10 7.93 7.75 8.50 8.36 3.43 1.38 3.05 0.27
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.75 $0.50 $0.70 $0.69 $1.18 $0.72 $0.65 $0.01 $0.63 $0.80 $0.94
Adjusted Weighted Average Basic Shares Outstanding		 56.14M 56.22M 56.34M 63.56M 63.57M 63.66M 95.01M 95.02M 95.02M 94.14M 92.27M
Adjusted Diluted Earnings per Share		 $0.74 $0.49 $0.70 $0.69 $1.18 $0.70 $0.65 $0.01 $0.63 $0.78 $0.94
Adjusted Weighted Average Diluted Shares Outstanding		 56.14M 56.22M 56.34M 63.56M 63.57M 63.66M 95.01M 95.02M 95.02M 94.14M 92.27M
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		 56.14M 56.22M 56.34M 63.56M 63.57M 63.66M 95.01M 95.02M 95.02M 94.14M 92.27M
Normalized Net Operating Profit after Tax (NOPAT)		 42 28 39 39 81 45 42 16 74 88 88
Normalized NOPAT Margin		 25.26% 19.22% 23.93% 23.72% 36.70% 26.78% 24.70% 6.06% 27.34% 31.45% 32.22%
Pre Tax Income Margin		 31.77% 21.81% 29.95% 29.62% 44.20% 29.77% 30.45% 1.00% 27.92% 34.78% 40.33%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.67 0.38 0.55 0.51 0.99 0.54 0.60 0.02 0.59 0.81 0.96
NOPAT to Interest Expense		 0.53 0.33 0.44 0.41 0.74 0.48 0.48 0.01 0.47 0.66 0.77
EBIT Less CapEx to Interest Expense		 0.62 0.33 0.51 0.47 0.96 0.50 0.56 -0.06 0.47 0.84 0.91
NOPAT Less CapEx to Interest Expense		 0.48 0.28 0.40 0.37 0.70 0.45 0.44 -0.07 0.35 0.69 0.72
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 30.83% 34.75% 36.50% 34.03% 29.12% 27.49% 28.01% 39.98% 48.14% 43.36% 37.71%
Augmented Payout Ratio		 30.83% 34.75% 36.50% 34.03% 29.12% 27.49% 28.01% 39.98% 48.14% 50.72% 76.81%

Financials Breakdown Chart

Key Financial Trends

Renasant (NASDAQ: RNST) showed improving profitability in 2025, with stronger revenue, rising net income, solid operating cash flow, and stable balance-sheet metrics. The year featured a notable rebound in quarterly earnings, a favorable shift in credit metrics, and continued cash generation, though some quarterly timing and financing moves added noise.

  • Strong year-end profitability: Net income continuing operations rose to $78.95 million in Q4 2025, up from $59.79 million in Q3 2025 and $41.83 million in Q1 2025 (with a brief Q2 dip to about $1.02 million). This points to meaningful quarterly improvement across 2025.
  • Top-line growth in 2025: Total revenue climbed to $278.45 million in Q4 2025 from $269.55 million in Q3 2025 and $170.67 million in Q1 2025, showing a tightening progression through the year.
  • Net interest income expanding: Net interest income reached $227.39 million in Q4 2025, up from $223.52 million in Q3 2025 and $134.20 million in Q1 2025, signaling improving core lending/margin dynamics.
  • Credit quality stabilizing: Provision for credit losses declined meaningfully from a mid-year peak (roughly $81.3 million in Q2 2025) to about $10.94 million in Q4 2025, suggesting improving credit conditions or releases.
  • Cost discipline showing in Q4 2025: Total non-interest expense cooled to about $170.68 million in Q4 2025, down vs. $183.83 million in Q3 2025, indicating better cost control.
  • Healthy operating cash flow: Net cash from continuing operating activities was $107.14 million in Q4 2025, reinforcing liquidity and internal funding ability.
  • Earnings per share trending higher: Diluted EPS rose to $0.78 in Q4 2025 (basic EPS $0.80), with favorable per-share metrics versus prior quarters (Q3 and Q1 2025).
  • Capital base and asset size: As of mid-2025, Total assets stood around $26.7B and Total liabilities about $22.9B, with Total equity near $3.8B, indicating solid capitalization alongside a sizable balance sheet.
  • Loan growth indicator: Loans and Leases net of allowance hovered around $18.7B in mid-2025, consistent with modest to moderate loan growth against peers in the regional bank space.
  • Financing activities pressured by debt activity: Net cash from financing activities was negative in Q4 2025 (about -$97.1 million) due to debt repayments, and net change in cash declined modestly despite positive operating cash flow, reflecting quarterly timing and leverage considerations.
05/14/26 03:49 PM ETAI Generated. May Contain Errors.

Renasant Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Renasant's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Renasant's net income appears to be on an upward trend, with a most recent value of $181.27 million in 2025, rising from $68.01 million in 2015. The previous period was $195.46 million in 2024. See where experts think Renasant is headed by visiting Renasant's forecast page.

Over the last 10 years, Renasant's total revenue changed from $349.63 million in 2015 to $985.85 million in 2025, a change of 182.0%.

Renasant's total liabilities were at $22.87 billion at the end of 2025, a 48.9% increase from 2024, and a 231.9% increase since 2015.

In the past 10 years, Renasant's cash and equivalents has ranged from $160.57 million in 2016 to $299.59 million in 2025, and is currently $299.59 million as of their latest financial filing in 2025.

Over the last 10 years, Renasant's book value per share changed from 25.75 in 2015 to 40.88 in 2025, a change of 58.8%.


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Financial statements for NYSE:RNST last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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