RNSTNYSEState Commercial BanksFiscal year ends December 31
RENASANT CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$39.69−0.22 (-0.55%)
Close on Oct 19, 2026
- Market cap
- $3.66B
- P/E (TTM)
- 11.9
- Dividend yield
- 2.24%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
18.4%+5.8 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +37.7% | +16.1% | +8.3% | +10.9% | |
| Net income | -7.3% | +3.0% | +16.7% | +10.3% | |
| EPS, diluted | -36.7% | -11.1% | +6.9% | +1.0% | |
| Free cash flow | +156.3% | -24.8% | +34.5% | +0.4% | |
| Dividend per share | +1.1% | +0.4% | +0.2% | +2.7% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 8.0% | 3.9% | 5.5% | |
| Return on assets | 1.1% | 0.6% | 0.8% | |
| Capex to revenue | 3.1% | 4.3% | 3.4% | |
| Diluted shares | 42M | 56M | 88M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Renasant generated $1.24B from operations and spent $421.62M on capital expenditure, dividends and share buybacks. 25% of that went back into the business.
Generated
$1.24B
Used
$421.62M
Capital expenditure$104.35M25%Dividends$282.62M67%Share buybacks$34.65M8%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin18.4%
×Asset turnover0.04×
×Equity multiplier6.82×
=Return on equity, FY20255.5%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 18.4% | 0.04× | 6.82× | 5.5% |
| FY2024 | 27.3% | 0.04× | 7.11× | 7.9% |
| FY2023 | 22.9% | 0.04× | 7.75× | 6.5% |
| FY2022 | 26.3% | 0.04× | 7.78× | 7.6% |
| FY2021 | 27.0% | 0.04× | 7.31× | 8.1% |
| FY2020 | 12.6% | 0.05× | 6.65× | 3.9% |
| FY2019 | 28.1% | 0.05× | 6.32× | 8.0% |
| FY2018 | 27.2% | 0.05× | 6.40× | 8.3% |
| FY2017 | 19.7% | 0.05× | 6.74× | 6.7% |
| FY2016 | 20.7% | 0.05× | 7.33× | 8.0% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$181.27M
- Cash generatingOperating cash flow above zero$271.47M
- Return on assets improvedROA up on the prior year1.1% → 1.0%
- Earnings backed by cashOperating cash flow above net income$271.47M vs $181.27M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise60M → 88M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.05