RENASANT CORP (RNST) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does RENASANT CORP Do?
Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, fiduciary, and insurance services to retail and commercial customers. It operates through three segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lending, and equipment leasing services, as well as safe deposit and night depository facilities. It also provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate1-4 family mortgage; real estatecommercial mortgage; real estateconstruction loans for the construction of single family residential properties, multi-family properties, and commercial projects; installment loans to individuals; and interim construction loans, as well as automated teller machine (ATM), online and mobile banking, call center, and treasury management services. The Insurance segment provides insurance agency services, such as commercial and personal insurance products through insurance carriers. The Wealth Management segment offers a range of wealth management and fiduciary services, including administration and management of trust accounts, such as personal and corporate benefit accounts, and custodial accounts, as well as accounting and money management for trust accounts; annuities, mutual funds, and other investment services through a third party broker-dealer; and qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates. As of December 31, 2021, the company operated a network of 189 banking, lending, and mortgage offices located in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee; 150 full-service branches and 11 limited-service branches; 173 ATMs; and 38 interactive teller machines. Renasant Corporation was founded in 1904 and is headquartered in Tupelo, Mississippi. RENASANT CORP (RNST) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO C. Mitchell Waycaster and employs approximately 2,330 people, headquartered in Tupelo, Mississippi. With a market capitalization of $3.4B, RNST is one of the notable companies in the Financials sector.
RENASANT CORP (RNST) Stock Rating — Hold (April 2026)
As of April 2026, RENASANT CORP receives a Hold rating with a composite score of 45.7/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.RNST ranks #1,499 out of 4,446 stocks in our coverage universe. Within the Financials sector, RENASANT CORP ranks #451 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
RNST Stock Price and 52-Week Range
RENASANT CORP (RNST) currently trades at $39.30. The stock lost $0.44 (1.1%) in the most recent trading session. The 52-week high for RNST is $42.11, which means the stock is currently trading -6.7% from its annual peak. The 52-week low is $26.97, putting the stock 45.7% above its annual trough. Recent trading volume was 176K shares, suggesting relatively thin trading activity.
Is RNST Overvalued or Undervalued? — Valuation Analysis
RENASANT CORP (RNST) carries a value factor score of 63/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 19.97x, compared to the Financials sector average of 14.88x — a premium of 34%. The price-to-book ratio stands at 0.90x, versus the sector average of 1.22x. The price-to-sales ratio is 3.05x, compared to 0.90x for the average Financials stock. On an enterprise value basis, RNST trades at 17.56x EV/EBITDA, versus 3.26x for the sector.
Overall, RNST's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
RENASANT CORP Profitability — ROE, Margins, and Quality Score
RENASANT CORP (RNST) earns a quality factor score of 46/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 4.5%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.7% versus the sector average of 1.2%.
On a margin basis, RENASANT CORP reports gross margins of 0.0%. The operating margin is 22.1% (sector: 21.8%). Net profit margin stands at 17.0%, versus 17.7% for the average Financials stock. Revenue growth is running at 59.4% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
RNST Debt, Balance Sheet, and Financial Health
RENASANT CORP has a debt-to-equity ratio of 13.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.17x, suggesting adequate working capital coverage. Total debt on the balance sheet is $500M. Cash and equivalents stand at $284M.
RNST has a beta of 1.02, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for RENASANT CORP is 74/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
RENASANT CORP Revenue and Earnings History — Quarterly Trend
In TTM 2026, RENASANT CORP reported revenue of $1.14B and earnings per share (EPS) of $2.09. Net income for the quarter was $175M. Gross margin was 0.0%. Operating income came in at $227M.
In FY 2025, RENASANT CORP reported revenue of $1.26B and earnings per share (EPS) of $2.09. Net income for the quarter was $181M. Revenue grew 42.2% year-over-year compared to FY 2024. Operating income came in at $227M.
In Q3 2025, RENASANT CORP reported revenue of $351M and earnings per share (EPS) of $0.63. Net income for the quarter was $60M. Revenue grew 53.3% year-over-year compared to Q3 2024. Operating income came in at $75M.
In Q2 2025, RENASANT CORP reported revenue of $344M and earnings per share (EPS) of $0.01. Net income for the quarter was $1M. Revenue grew 56.2% year-over-year compared to Q2 2024. Operating income came in at $3M.
Over the past 8 quarters, RENASANT CORP has demonstrated a growth trajectory, with revenue expanding from $220M to $1.14B. Investors analyzing RNST stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
RNST Dividend Yield and Income Analysis
RENASANT CORP (RNST) currently pays a dividend yield of 2.4%. At this yield, a $10,000 investment in RNST stock would generate approximately $$239.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning RNST yields less than the typical sector peer. With a net margin of 17.0%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.
RNST Momentum and Technical Analysis Profile
RENASANT CORP (RNST) has a momentum factor score of 47/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 22/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 11/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
RNST vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, RENASANT CORP (RNST) ranks #451 out of 891 stocks based on the Blank Capital composite score. This places RNST in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing RNST against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full RNST vs S&P 500 (SPY) comparison to assess how RENASANT CORP stacks up against the broader market across all factor dimensions.
RNST Next Earnings Date
No upcoming earnings date has been announced for RENASANT CORP (RNST) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy RNST? — Investment Thesis Summary
RENASANT CORP presents a balanced picture with arguments on both sides. The value score of 63/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 74/100) reduces downside risk.
In summary, RENASANT CORP (RNST) earns a Hold rating with a composite score of 45.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on RNST stock.
Related Resources for RNST Investors
Explore more research and tools: RNST vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare RNST head-to-head with peers: RNST vs WTM, RNST vs OPY, RNST vs ACT.