RNST

MKT CAP:$4B

Renasant Corporation

Market Cap

$4B

Financial Services·Banks - Regional·🇺🇸 United States·NYSE

Financials·Banks - Regional·🇺🇸·NYSE

Stock Price

$39.98+$4.61 (+13.03%)

Apr 23, 2026

Company Details

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: Commu...

CEO

Kevin D. Chapman

IPO Date

Apr 24, 1992

Website

investors.renasant.com

Key Metrics TTM

Revenue

$1.3B

+29.6% YoY

Net Income

$181M

EPS (Diluted)

$2.12

Free Cash Flow

$221M

Revenue / Share

$14.13

Gross Margin

57.9%

Operating Margin

16.9%

Net Margin

13.5%

FCF Margin

16.5%

P/S

2.8x

P/E

20.4x

Earnings Reports

Q1 2026

Apr 28, 2026

PENDING

FY 2025

Mar 2, 2026

$1.4B+39.1%EPS $2.07

Q4 2025

Mar 2, 2026

$376M+45.0%EPS $0.83

Q3 2025

Nov 7, 2025

$362M+36.7%EPS $0.63

Q2 2025

Aug 6, 2025

$351M+35.6%EPS $0.01

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$148M	$136M	$41M
Q2 22	$161M	$149M	$51M
Q3 22	$184M	$162M	$60M
Q4 22	$198M	$161M	$59M
Q1 23	$221M	$167M	$57M
Q2 23	$214M	$145M	$35M
Q3 23	$244M	$161M	$53M
Q4 23	$230M	$146M	$32M
Q1 24	$255M	$162M	$49M
Q2 24	$259M	$160M	$49M
Q3 24	$265M	$166M	$97M
Q4 24	$260M	$165M	$50M
Q1 25	$255M	$164M	$52M
Q2 25	$351M	$145M	$3M
Q3 25	$362M	$224M	$75M
Q4 25	$376M	$246M	$97M

Valuation

Quarter	P/S	P/E
Q1 22	5.8x	24.4x
Q2 22	5.9x	24.6x
Q3 22	5.7x	23.6x
Q4 22	5.4x	22.3x
Q1 23	4.8x	20.7x
Q2 23	4.5x	22.1x
Q3 23	4.2x	22.7x
Q4 23	4.1x	25.6x
Q1 24	3.9x	26.8x
Q2 24	3.7x	25.0x
Q3 24	3.7x	20.7x
Q4 24	3.6x	18.9x
Q1 25	3.6x	18.7x
Q2 25	3.3x	23.2x
Q3 25	3.0x	25.2x
Q4 25	2.8x	20.4x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$206M	$204M
Q2 22	$144M	$140M
Q3 22	$113M	$109M
Q4 22	$111M	$106M
Q1 23	-$7M	-$16M
Q2 23	-$24M	-$28M
Q3 23	$80M	$76M
Q4 23	$100M	$95M
Q1 24	$65M	$62M
Q2 24	-$49M	-$53M
Q3 24	-$2M	-$5M
Q4 24	$92M	$89M
Q1 25	$106M	$101M
Q2 25	-$77M	-$87M
Q3 25	$135M	$120M
Q4 25	$107M	$87M

Capital Expenditures

Quarter	CapEx
Q1 22	$2M
Q2 22	$4M
Q3 22	$5M
Q4 22	$4M
Q1 23	$8M
Q2 23	$4M
Q3 23	$4M
Q4 23	$5M
Q1 24	$3M
Q2 24	$3M
Q3 24	$4M
Q4 24	$3M
Q1 25	$5M
Q2 25	$10M
Q3 25	$15M
Q4 25	$20M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	-27.2%	-17.1%
Q2 22	-4.7%	-8.4%
Q3 22	+11.9%	+9.4%
Q4 22	+24.4%	+25.4%
Q1 23	+49.9%	+54.4%
Q2 23	+33.5%	+62.7%
Q3 23	+32.3%	+54.0%
Q4 23	+16.0%	+42.3%
Q1 24	+15.0%	+25.2%
Q2 24	+20.8%	+17.5%
Q3 24	+8.7%	-12.4%
Q4 24	+12.8%	+5.8%
Q1 25	+0.3%	-0.9%
Q2 25	+35.6%	+65.6%
Q3 25	+36.7%	+71.2%
Q4 25	+45.0%	+33.3%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$3M	2.3%
Q2 22	$3M	1.8%
Q3 22	$2M	1.2%
Q4 22	$3M	1.5%
Q1 23	$3M	1.6%
Q2 23	$3M	1.6%
Q3 23	$3M	1.4%
Q4 23	$3M	1.5%
Q1 24	$4M	1.6%
Q2 24	$3M	1.3%
Q3 24	$3M	1.2%
Q4 24	$3M	1.2%
Q1 25	$4M	1.5%
Q2 25	$4M	1.2%
Q3 25	$5M	1.5%
Q4 25	$4M	1.1%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$62M	$4M
Q2 22	$66M	$3M
Q3 22	$66M	$3M
Q4 22	$50M	$4M
Q1 23	$70M	$5M
Q2 23	$71M	$3M
Q3 23	$69M	$3M
Q4 23	$72M	$3M
Q1 24	$71M	$5M
Q2 24	$71M	$4M
Q3 24	$71M	$4M
Q4 24	$70M	$4M
Q1 25	$76M	—
Q2 25	$117M	—
Q3 25	$117M	—
Q4 25	$114M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$1.6B	$2.4B	$4.0B
Q2 22	$1.0B	$2.5B	$3.5B
Q3 22	$480M	$1.6B	$2.0B
Q4 22	$576M	$1.5B	$2.1B
Q1 23	$848M	$1.5B	$2.4B
Q2 23	$947M	$951M	$1.9B
Q3 23	$741M	$909M	$1.7B
Q4 23	$801M	$923M	$1.7B
Q1 24	$844M	$764M	$1.6B
Q2 24	$852M	$750M	$1.6B
Q3 24	$1.3B	$765M	$2.0B
Q4 24	$1.1B	$831M	$1.9B
Q1 25	$1.1B	$1.0B	$2.1B
Q2 25	$1.4B	$22M	$1.4B
Q3 25	$1.1B	$10M	$1.1B
Q4 25	$1.1B	$0	$1.1B

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	56M	-0.0%	-0.8%
Q2 22	56M	+0.2%	-0.8%
Q3 22	56M	+0.1%	-0.4%
Q4 22	56M	+0.2%	+0.4%
Q1 23	56M	-0.1%	+0.3%
Q2 23	56M	+0.2%	+0.4%
Q3 23	57M	+0.2%	+0.5%
Q4 23	56M	-0.7%	-0.3%
Q1 24	57M	+0.7%	+0.5%
Q2 24	57M	+0.3%	+0.5%
Q3 24	62M	+8.7%	+9.0%
Q4 24	64M	+3.9%	+14.1%
Q1 25	64M	-0.0%	+13.3%
Q2 25	95M	+48.6%	+67.8%
Q3 25	95M	+0.2%	+54.6%
Q4 25	95M	-0.1%	+48.6%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$61.3K	2K
Q2 22	$66.7K	2K
Q3 22	$76.5K	2K
Q4 22	$85.0K	2K
Q1 23	$94.8K	2K
Q2 23	$91.9K	2K
Q3 23	$104.5K	2K
Q4 23	$100.1K	2K
Q1 24	$110.7K	2K
Q2 24	$112.6K	2K
Q3 24	$115.2K	2K
Q4 24	$118.0K	2K
Q1 25	$116.0K	2K
Q2 25	$159.6K	2K
Q3 25	$164.6K	2K
Q4 25	$125.5K	3K

Revenue / Employee