NYSE : RNST
Renasant Corporation — Financial statements
Financials · Banks - Regional · United States
Last price 39.93 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 3.61B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 1.22B | 1.13B | 806.30M | 716.46M | 479.91M | 435.46M |
| Interest Income on Investments | 157.77M | 134.25M | 81.48M | 80.86M | 61.90M | 33.22M |
| Total Interest Income | 1.37B | 1.26B | 887.78M | 797.32M | 541.81M | 468.69M |
| Interest Paid on Deposits | 422.95M | 412.55M | 346.59M | 232.33M | 35.21M | 28.98M |
| Interest Paid on Borrowings | 52.48M | 45.74M | 28.99M | 45.66M | 25.30M | 15.71M |
| Total Interest Expense | 475.43M | 458.29M | 375.58M | 277.99M | 60.51M | 44.68M |
| Net Interest Income | 897.39M | 803.97M | 512.20M | 519.33M | 481.30M | 424.00M |
| Trust Income | 35.53M | 31.20M | 23.56M | 22.13M | 22.34M | 20.45M |
| Mortgage Banking Activities | 34.86M | 37.35M | 36.38M | 32.41M | 35.79M | 109.60M |
| Gain (Loss) on Sale of Assets | 53.35M | |||||
| Gain (Loss) on Sale of Investments | -41.79M | 2.17M | ||||
| Other Non-Interest Income | 72.41M | 61.40M | 48.60M | 61.12M | 51.16M | 58.19M |
| Total Non-Interest Income | 201.86M | 181.88M | 203.66M | 113.08M | 149.25M | 226.98M |
| Revenues Before Loan Losses | 1.10B | 985.85M | 715.86M | 632.40M | 630.55M | 650.99M |
| Provision for Loan Losses | 36.12M | 107.46M | 9.27M | 15.59M | 23.87M | -2.17M |
| Revenue | 1.06B | 878.39M | 706.58M | 616.81M | 606.68M | 653.15M |
| Salaries and Employee Benefits | 364.21M | 350.84M | 269.88M | 268.05M | 250.15M | 270.55M |
| Occupancy Expenses | 62.82M | 56.28M | 38.88M | 46.47M | 44.82M | 38.54M |
| Amortization of Goodwill & Intangibles | 33.39M | 27.10M | 4.69M | 5.38M | 5.12M | 6.04M |
| Selling, General & Administrative | 97.57M | 92.69M | 74.00M | 65.55M | 60.56M | 72.95M |
| Other Non-Interest Expense | 76.66M | 73.77M | 59.95M | 53.91M | 32.66M | 35.50M |
| Total Non-Interest Expense | 637.35M | 602.33M | 448.27M | 439.62M | 392.85M | 429.96M |
| EBT Excluding Unusual Items | 425.79M | 276.06M | 258.31M | 177.19M | 213.83M | 223.19M |
| Pretax Income | 415.23M | 226.73M | 244.97M | 177.19M | 211.31M | 222.83M |
| Income Tax Expense | 82.01M | 45.46M | 49.51M | 32.51M | 45.24M | 46.94M |
| Net Income | 333.22M | 181.27M | 195.46M | 144.68M | 166.07M | 175.89M |
| Net Income to Common | 333.22M | 181.27M | 195.46M | 144.68M | 166.07M | 175.89M |
| Basic Shares Outstanding | 92.70M | 86.94M | 59.35M | 56.10M | 55.90M | 56.11M |
| Diluted Shares Outstanding | 93.31M | 87.51M | 59.75M | 56.45M | 56.21M | 56.42M |
| EPS (Basic) | 3.59 | 2.09 | 3.29 | 2.58 | 2.97 | 3.13 |
| EPS (Diluted) | 3.57 | 2.07 | 3.27 | 2.56 | 2.95 | 3.12 |
| Dividend Per Share | 0.94 | 0.89 | 0.88 | 0.88 | 0.88 | 0.88 |
| Effective Tax Rate | 19.75% | 20.05% | 20.21% | 18.35% | 21.41% | 21.06% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 734.52M | 1.07B | 1.09B | 801.35M | 575.99M | 1.88B |
| Investment Securities | 956.98M | 1.70B | 1.29B | 1.32B | 1.70B | 615.94M |
| Trading Asset Securities | 47.10M | 38.95M | 37.15M | 38.05M | 17.70M | |
| Mortgage-Backed Securities | 2.84B | 1.94B | 685.00M | 820.63M | 1.15B | 2.19B |
| Total Investments | 3.79B | 3.68B | 2.01B | 2.18B | 2.90B | 2.82B |
| Gross Loans | 19.75B | 19.05B | 12.89B | 12.36B | 11.59B | 10.02B |
| Allowance for Loan Losses | -296.09M | -293.95M | -201.76M | -198.58M | -192.09M | -164.17M |
| Other Adjustments to Gross Loans | -5.15M | -4.48M | -6.79M | -7.15M | -4.07M | |
| Net Loans | 19.46B | 18.75B | 12.68B | 12.15B | 11.39B | 9.86B |
| Property, Plant & Equipment | 465.50M | 465.14M | 279.80M | 283.19M | 283.60M | 293.12M |
| Goodwill | 1.42B | 1.41B | 988.90M | 991.66M | 991.71M | 939.68M |
| Other Intangible Assets | 129.69M | 146.61M | 14.11M | 18.80M | 24.18M | 24.10M |
| Loans Held for Sale | 200.71M | 265.96M | 246.17M | 179.76M | 110.11M | 453.53M |
| Accrued Interest Receivable | 54.40M | 54.80M | 54.80M | 49.85M | 41.69M | |
| Long-Term Deferred Tax Assets | 145.55M | 87.03M | 95.70M | 110.41M | 45.23M | |
| Other Real Estate Owned & Foreclosed | 15.66M | 15.19M | 8.67M | 9.62M | 1.76M | 2.54M |
| Other Long-Term Assets | 1.31B | 746.79M | 570.64M | 591.11M | 558.34M | 455.60M |
| Total Assets | 27.52B | 26.75B | 18.03B | 17.36B | 16.99B | 16.81B |
| Interest Bearing Deposits | 16.63B | 16.43B | 11.17B | 9.72B | 8.53B | 8.86B |
| Institutional Deposits | 774.21M | 402.29M | 326.08M | |||
| Non-Interest Bearing Deposits | 5.00B | 5.04B | 3.40B | 3.58B | 4.56B | 4.72B |
| Total Deposits | 21.63B | 21.47B | 14.57B | 14.08B | 13.49B | 13.91B |
| Short-Term Borrowings | 806.48M | 597.26M | 140.29M | 341.19M | 745.42M | 27.75M |
| Current Portion of Long-Term Debt | 417.00K | |||||
| Current Portion of Leases | 6.94M | |||||
| Long-Term Debt | 754.83M | 359.12M | 316.70M | 316.42M | 316.09M | 359.42M |
| Long-Term Leases | 50.29M | 49.38M | 51.13M | |||
| Trust Preferred Securities | 140.63M | 113.92M | 112.98M | 112.04M | 111.37M | |
| Other Long-Term Liabilities | 496.91M | 239.21M | 163.65M | 164.65M | 191.64M | 195.78M |
| Total Liabilities | 23.69B | 22.87B | 15.36B | 15.06B | 14.85B | 14.60B |
| Common Stock | 488.61M | 488.61M | 332.42M | 296.48M | 296.48M | 296.48M |
| Additional Paid-In Capital | 2.39B | 2.39B | 1.49B | 1.31B | 1.30B | 1.30B |
| Retained Earnings | 1.38B | 1.20B | 1.09B | 952.12M | 857.73M | 741.65M |
| Treasury Stock | -275.38M | -103.49M | -97.20M | -105.25M | -111.58M | -118.03M |
| Comprehensive Income & Other | -160.75M | -89.73M | -142.61M | -154.26M | -209.04M | -10.44M |
| Shareholders' Equity | 3.83B | 3.88B | 2.68B | 2.30B | 2.14B | 2.21B |
| Total Liabilities & Equity | 27.52B | 26.75B | 18.03B | 17.36B | 16.99B | 16.81B |
| Total Debt | 1.56B | 1.15B | 620.28M | 821.72M | 1.17B | 498.96M |
| Net Cash (Debt) | -826.80M | -36.42M | 510.70M | 16.79M | -559.51M | 1.40B |
| Net Cash Per Share | -8.86 | -0.42 | 8.55 | 0.30 | -9.95 | 24.75 |
| Filing Date Shares Outstanding | 90.36M | 94.14M | 63.66M | 56.22M | 56.02M | 55.82M |
| Total Common Shares Outstanding | 90.36M | 94.64M | 63.57M | 56.14M | 55.95M | 55.76M |
| Book Value Per Share | 42.41 | 41.05 | 42.13 | 40.92 | 38.18 | 39.63 |
| Tangible Book Value | 2.28B | 2.33B | 1.68B | 1.29B | 1.12B | 1.25B |
| Tangible Book Value Per Share | 25.29 | 24.65 | 26.36 | 22.92 | 20.02 | 22.35 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 181.27M | 195.46M | 144.68M | 166.07M | 175.89M | |
| Depreciation & Amortization | 16.21M | 32.28M | 35.23M | 42.74M | 47.35M | |
| Gain (Loss) on Sale of Assets | -3.96M | -56.79M | -720.00K | -3.20M | -840.00K | |
| Gain (Loss) on Sale of Investments | 41.79M | -2.17M | ||||
| Provision for Credit Losses | 107.46M | 9.27M | 15.59M | 23.87M | -2.17M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 3.73M | -52.81M | -53.55M | 364.00M | 56.18M | |
| Change in Other Net Operating Assets | -27.89M | -17.64M | -27.08M | -35.95M | -63.23M | |
| Other Operating Activities | -2.74M | -637.00K | -6.53M | 20.80M | 3.97M | |
| Operating Cash Flow | 271.47M | 106.42M | 148.55M | 574.04M | 142.66M | |
| Capital Expenditures | -33.72M | -13.64M | -21.63M | -14.84M | -20.52M | |
| Sale of Property, Plant and Equipment | 8.64M | 344.00K | 943.00K | 1.23M | 9.81M | |
| Cash Acquisitions | 261.48M | -120.89M | ||||
| Investment in Securities | -101.26M | 193.96M | 736.06M | -351.94M | -1.52B | |
| Divestitures | 6.41M | 55.33M | ||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -957.07M | -543.50M | -791.80M | -1.46B | 910.06M | |
| Other Investing Activities | 81.48M | 32.47M | 21.04M | -101.10M | -36.02M | |
| Investing Cash Flow | -734.02M | -275.03M | -55.40M | -2.04B | -660.00M | |
| Short-Term Debt Issued | 149.51M | 668.80M | ||||
| Long-Term Debt Issued | 197.06M | |||||
| Total Debt Issued | 149.51M | 668.80M | 197.06M | |||
| Short-Term Debt Repaid | -199.56M | -404.65M | -7.39M | |||
| Long-Term Debt Repaid | -60.00M | -245.00K | -2.68M | -32.42M | -202.87M | |
| Total Debt Repaid | -60.00M | -199.80M | -407.33M | -32.42M | -210.27M | |
| Net Debt Issued (Repaid) | 89.51M | -199.80M | -407.33M | 636.39M | -13.21M | |
| Issuance of Common Stock | 217.00M | |||||
| Repurchase of Common Stock | -13.34M | -21.32M | ||||
| Common Dividends Paid | -78.60M | -53.73M | -50.28M | -49.99M | -50.02M | |
| Net Increase (Decrease) in Deposit Accounts | 443.67M | 495.83M | 589.82M | -418.76M | 1.85B | |
| Financing Cash Flow | 441.24M | 459.30M | 132.21M | 167.64M | 1.76B | |
| Net Cash Flow | -21.31M | 290.68M | 225.36M | -1.30B | 1.24B | |
| Free Cash Flow | 237.75M | 92.77M | 126.92M | 559.21M | 122.14M | |
| Free Cash Flow Margin | 27.07% | 13.13% | 20.58% | 92.17% | 18.70% | |
| Free Cash Flow Per Share | 2.72 | 1.55 | 2.25 | 9.95 | 2.17 | |
| Cash Interest Paid | 443.28M | 381.00M | 239.61M | 54.56M | 45.74M | |
| Cash Income Tax Paid | 18.36M | 29.07M | 42.05M | 41.76M | 50.98M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 3.66B | 3.35B | 2.27B | 1.89B | 2.10B | 2.12B |
| Last Close Price | 39.93 | 34.59 | 34.25 | 31.39 | 34.01 | 33.44 |
| PE Ratio | 11.36 | 18.46 | 11.63 | 13.07 | 12.66 | 12.03 |
| PS Ratio | 3.49 | 3.81 | 3.22 | 3.07 | 3.47 | 3.24 |
| PB Ratio | 0.94 | 0.86 | 0.85 | 0.82 | 0.98 | 0.96 |
| P/FCF Ratio | 9.19 | 14.08 | 24.50 | 14.90 | 3.76 | 17.32 |
| P/OCF Ratio | 8.54 | 12.33 | 21.36 | 12.73 | 3.66 | 14.83 |
| Debt / Equity Ratio | 0.41 | 0.30 | 0.23 | 0.36 | 0.55 | 0.23 |
| Debt / FCF Ratio | 4.86 | 6.69 | 6.47 | 2.10 | 4.08 | |
| Net Debt / Equity Ratio | 0.22 | 0.01 | -0.19 | -0.01 | 0.26 | -0.63 |
| Net Debt / FCF Ratio | 0.15 | -5.50 | -0.13 | 1.00 | -11.44 | |
| Return on Equity (ROE) | 8.70% | 5.52% | 7.86% | 6.53% | 7.64% | 8.10% |
| Return on Assets (ROA) | 1.23% | 0.81% | 1.10% | 0.84% | 0.98% | 1.11% |
| Earnings Yield | 8.80% | 5.42% | 8.60% | 7.65% | 7.90% | 8.31% |
| FCF Yield | 10.88% | 7.10% | 4.08% | 6.71% | 26.59% | 5.77% |
| Dividend Yield | 2.37% | 2.52% | 2.46% | 2.61% | 2.34% | 2.32% |
| Payout Ratio | 26.89% | 43.36% | 27.49% | 34.75% | 30.10% | 28.44% |
| Buyback Yield / Dilution | -17.10% | -46.47% | -5.85% | -0.42% | 0.37% | 0.08% |
| Total Shareholder Return | -14.77% | -43.95% | -3.38% | 2.20% | 2.71% | 2.40% |