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Renasant Corporation

RNST
63
Banks - Regional · Financial Services
Exchange
New York Stock Exchange
Winston Score
63
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Good
Growth
Good
Capital Strength
Exceptional
Asset Quality
Strong
Valuation
Good
Dividends
Good
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Winston Score History

The full picture

Renasant Corporation is a regional bank headquartered in Tupelo, Mississippi. It offers everyday banking services like checking and savings accounts, home loans, business loans, and wealth management. The bank mainly serves individuals, families, and small to mid-sized businesses across the southeastern United States.

Renasant makes money primarily by collecting interest on loans and earning fees on banking services. It operates roughly 200 branches across Mississippi, Alabama, Tennessee, Georgia, and Florida, making it one of the larger community-focused banks in the Deep South. The bank has grown significantly through acquisitions over the years, which is both a strength and a risk — integrating acquired banks takes time and can strain operations. Its main challenge going forward is managing the pressure that higher interest rates put on borrowing demand and loan quality among its small business customers.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-65.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

>+1,000% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

2.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$3.7B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Renasant Corporation's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
9.2%
no trend
Below its cost of capital — 9.2%

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.95%
no trend
Wide spread — 3.95% net interest margin
Cost of running the bank
Efficiency Ratio
51.8%
no trend
Very lean — spends 51.8¢ to earn a dollar

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Growth

Sales growth
Sales YoY
+10.3%
Steady sales growth (+10.3% YoY)
Profit growth
EPS YoY
+32.2%
Earnings growing fast (+32.2% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Capital Strength

Safety cushion
Capital Ratio
12.3%
no trend
Fortress balance sheet — 12.3% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
1.04%
no trend
Some stress — 1.04% non-performing loans

Between 1% and 2% of loans are struggling. Worth watching, but not alarming.

Loans written off
Net Charge-Offs
0.05%
no trend
Minimal losses — 0.05% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
12.4x
no trend
Attractive valuation — P/E 12.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+0.7
GROWING
Earnings roughly flat

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Dividends

Dividend
Dividend Yield
2.11%
no trend
Moderate income — 2.11% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+6.8%
no trend
Dividend growing modestly (6.8% YoY)

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