Renasant (RNST) Financials

$42.79 +0.68 (+1.61%)

As of 03:58 PM Eastern

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

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

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

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

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

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

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%

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 Corp. (NYSE: RNST) showed a solid rebound in Q1 2026, but the broader multi-year picture still reflects a bank working through margin pressure, rising expenses, and balance sheet shifts.

For the quarter ended March 31, 2026, RNST reported net income of $88.2 million, up from $78.9 million in Q4 2025 and well above $59.8 million in Q3 2025. On a per-share basis, diluted EPS improved to $0.94 from $0.78 in Q4 and $0.63 in Q3. That suggests earnings momentum improved at the start of 2026.

Revenue was also strong. Total revenue reached $273.8 million in Q1 2026, slightly above Q4 2025 and Q3 2025. Net interest income came in at $223.6 million, essentially flat versus the prior two quarters, which indicates the core banking spread business has stabilized after a period of volatility.

That said, expense trends remain a key watch item. Non-interest expense fell sharply to $155.3 million from $170.7 million in Q4 2025 and $183.8 million in Q3 2025. The drop helped pre-tax income rebound to $110.4 million. However, a $8.1 million provision for credit losses and still-elevated operating costs show RNST is not out of the woods yet.

Cash flow was also constructive in Q1 2026. Operating cash flow totaled $100.1 million, and the company ended the quarter with a $146.3 million increase in cash and equivalents. Financing activity was especially supportive, driven by a $626.4 million net increase in deposits and a meaningful debt repayment. That points to healthier funding conditions in the short term.

On the balance sheet, RNST continues to operate with a large loan book and a sizable deposit base, which is typical for a regional bank. Total assets were $27.1 billion, up from $26.7 billion in Q3 2025 and $18.3 billion in Q1 2025. Total equity was $3.87 billion, up modestly from the prior quarter. However, loans and leases of $19.0 billion and deposits of roughly $22.1 billion mean asset quality and funding costs will remain central to the story.

Here are the most important takeaways for investors:

Q1 2026 earnings improved, with net income rising to $88.2 million and diluted EPS increasing to $0.94.
Revenue stayed resilient, as total revenue reached $273.8 million and net interest income held steady at $223.6 million.
Operating cash flow was strong at $100.1 million, supporting liquidity and capital flexibility.
Deposits increased sharply by $626.4 million in the quarter, which is a good sign for funding stability.
Non-interest expense declined meaningfully from late 2025 levels, improving operating leverage.
Balance sheet growth was modest, with total assets up to $27.1 billion from $26.7 billion in Q3 2025.
Loan balances remained broadly stable near $19 billion, suggesting no major portfolio contraction.
Goodwill and intangible assets remain material, so investors should continue to monitor acquisition-related balance sheet items.
Credit costs are still present, with an $8.1 million provision for credit losses in Q1 2026.
Expenses and restructuring charges have been elevated at times over the last several quarters, which could pressure profitability if they persist.

Looking at the last four years, RNST has generally grown its earnings from 2022 into 2025, but the path has not been smooth. Net income improved sharply from the low- to mid-$40 million range in early 2023/2024 to the $70 million to $80 million range by late 2025, and then to $88.2 million in Q1 2026. At the same time, the bank has had to manage deposit costs, restructuring items, and occasional swings in investment-related cash flows.

Bottom line: RNST’s latest quarter was encouraging, especially on earnings, cash flow, and deposits. But the stock’s longer-term investment case still depends on sustained margin stability, disciplined expense control, and continued credit quality.

06/23/26 09:50 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%.

Related Companies

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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Renasant (RNST) Financials

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Renasant (RNST) Financials

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Key Financial Trends

Renasant Financials - Frequently Asked Questions

When does Renasant's financial year end?

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

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

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