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Southeast regional bank offering commercial, retail, mortgage and wealth-management banking across four states.
Southeast regional bank offering commercial, retail, mortgage and wealth-management banking across four states.
Earns most of its income from net interest, the gap between loan yields and deposit costs, with mortgage banking and wealth fees adding noninterest income, and mortgage volumes move with home-loan activity. Based in Tupelo, Mississippi, it grew by merging with smaller banks.
Moat: narrow (scale, distribution). Established multi-state Southeast branch network built through bank mergers.
Headquarters: Tupelo, Mississippi, US · Founded: 1904 · Employees: 3,000
Size Renasant (RNST) is a United States Financials company (Regional Banks) with a market value of $3.55B, the 1425th largest of 3,117 United States companies the cockpit tracks. Shares closed at $39.39 on 6 Nov 2026.
Performance Over six months the shares fell 2.0%, against +3.9% for the median peer and -1.1% for the United States market (cap-weighted) — 6th lowest of 21 in its peer set.
Growth Revenue grew 20.1% over the last twelve months (peer median +13.6%); the operating margin is 39.0% (peer median 36.6%).
Valuation It trades at 0.93× book value against a peer median of 1.13× (7th cheapest of 21).
Price implies The share price implies a return on equity of about 9.5%; Renasant delivers 8.7%, so the price asks more than the business earns today.
Credit Renasant has 2 bonds outstanding ($296M).
Short interest Short interest is 6.0% of the free float (15 Oct 2026).
Next results Next results expected around 26 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.57B | $1.44B | $1.04B | $931M | $697M |
| Revenue growth | — | +39% | +11% | +34% | — |
| Net income | $333M | $181M | $195M | $145M | $166M |
| Free cash flow | n/a | $238M | $92.8M | $127M | $559M |
| Capital expenditure | n/a | $33.7M | $13.6M | $21.6M | $94.8M |
| Total debt | $1.56B | $1.11B | $588M | $788M | $1.20B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Renasant RNST | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% |
| United Community Banks UCB | $4.43B | +11% | -18% | 4% | 1.26× | 10.9% |
| ServisFirst Bancshares SFBS | $4.49B | +2% | +5% | 18% | 2.21× | 17.2% |
| Trustmark TRMK | $2.58B | 0% | -4% | 11% | 1.25× | 9.6% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | RNST | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +0.2% | +2.5% | 8th lowest of 21 |
| 6-month return | -2.0% | +3.9% | 6th lowest of 21 |
| Return on equity | 8.7% | 9.1% | 10th lowest of 21 |
| Price / book | 0.93× | 1.13× | 7th cheapest of 21 |
| Trailing P/E | 11.0× | 11.6× | 6th cheapest of 19 |
| ROE the price implies | 9.5% | 9.0% | 10th most demanding of 21 |
| ROE delivered | 8.7% | 9.4% | 8th lowest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Renasant RNST | United States | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% | 8.7% |
| Yamaguchi Financial 8418.T | Japan | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% | 5.7% |
| Twenty One Capital XXI | United States | $3.57B | -36% | n/a | -12% | 1.38× | 7.6% | n/a |
| First Interstate BancSystem FIBK | United States | $3.50B | +4% | -4% | 10% | 1.12× | 9.0% | 9.5% |
| Jiangsu Changshu Rural Commercial Bank 601128.SS | China | $3.48B | -4% | -1% | 14% | 0.67× | 2.5% | 13.8% |
| Nishi-Nippon Financial 7189.T | Japan | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% | 7.8% |
| First Financial Bancorp FFBC | United States | $3.43B | +6% | +13% | 11% | 1.19× | 10.9% | 10.7% |
| Mechanics Bancorp MCHB | United States | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% | 10.2% |
| WesBanco WSBC | United States | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% | 8.8% |
| Taichung Commercial Bank 2812.TW | Taiwan | $3.38B | -12% | -13% | 11% | 1.16× | 3.9% | 11.2% |
| TowneBank TOWN | United States | $3.36B | +4% | +36% | 13% | 1.08× | 9.0% | 12.9% |
| Chugin Financial Group,Inc 5832.T | Japan | $3.76B | +10% | +34% | 8% | 0.86× | 6.5% | 8.3% |
| EQB EQB.TO | Canada | $3.79B | +3% | -4% | 0% | 1.44× | 12.8% | -0.1% |
| Karur Vysya Bank KARURVYSYA.NS | India | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% | 21.0% |
| BancFirst BANF | United States | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% | 13.6% |
| Seacoast Banking Corporation of Florida SBCF | United States | $3.24B | +8% | +29% | 7% | 1.25× | 10.9% | 6.8% |
| Hirogin 7337.T | Japan | $3.89B | +9% | +26% | 8% | 0.99× | 7.4% | 8.2% |
| First Bancorp FBP | United States | $3.92B | +8% | +3% | 19% | 2.09× | 15.7% | 19.4% |
| Bank of Guiyang 601997.SS | China | $3.20B | -3% | -5% | 7% | 0.32× | 2.0% | 6.9% |
| Independent Bank INDB | United States | $3.94B | +8% | +25% | 9% | 1.14× | 9.5% | 9.3% |
| UCO Bank UCOBANK.NS | India | $3.17B | -13% | +1% | 9% | 0.86× | 13.6% | n/a |
Renasant has 2 bonds outstanding with $296M face value.