RNST FY 2025 Earnings Report — Renasant Corporation Revenue & Financial Results | Market Cap Arena

Renasant CorporationRNST

FY 2025 Earnings

Reported March 2, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$1.4B	—	$1.0B	—	39.1%
Op. Income	$227M	—	$245M	—	-7.4%
Gross Margin	60.8%	—	62.9%	—	-2.1pp
Net Margin	12.6%	—	18.8%	—	-6.3pp
EPS (Diluted)	$2.07	—	$3.27	—	-36.7%
Free Cash Flow	$238M	—	$116M	—	105.3%

Revenue Flow

Item	Amount
REVENUE	$1.4B
Cost of Revenue	$566M
GROSS PROFIT	$878M
R&D Expenses	$0
Selling & Marketing	$18M
General & Administrative	$369M
SG&A Expenses	$387M
Other Expenses	$265M
Operating Expenses	$652M
Cost & Expenses	$1.2B
OPERATING INCOME	$227M
Interest Income	$1.3B
Interest Expense	$458M
Other Income/Expenses	$0
INCOME BEFORE TAX	$227M
Income Tax Expense	$45M
Net Income from Continuing Ops	$181M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$181M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$181M
D&A	$16M
EBIT	$227M
EBITDA	$243M
EPS	$2
EPS Diluted	$2

Income Statement

Item	Amount
REVENUE	$1.4B
Cost of Revenue	$566M
GROSS PROFIT	$878M
R&D Expenses	$0
Selling & Marketing	$18M
General & Administrative	$369M
SG&A Expenses	$387M
Other Expenses	$265M
Operating Expenses	$652M
Cost & Expenses	$1.2B
OPERATING INCOME	$227M
Interest Income	$1.3B
Interest Expense	$458M
Other Income/Expenses	$0
INCOME BEFORE TAX	$227M
Income Tax Expense	$45M
Net Income from Continuing Ops	$181M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$181M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$181M
D&A	$16M
EBIT	$227M
EBITDA	$243M
EPS	$2
EPS Diluted	$2

Cash Flow Statement

Item	Amount
Net Income	$181M
Depreciation & Amortization	$16M
Stock-Based Compensation	$18M
Deferred Income Tax	$2M
Other Non-Cash Items	$73M
Change in Working Capital	-$18M
OPERATING CASH FLOW	$271M
Capital Expenditure	-$34M
Acquisitions (Net)	$261M
Purchases of Investments	-$1.2B
Sales/Maturities of Investments	$998M
Other Investing Activities	-$792M
NET CASH FROM INVESTING	-$734M
Net Debt Issuance	$90M
Common Stock Repurchased	-$13M
Common Dividends Paid	-$79M
Other Financing Activities	$444M
NET CASH FROM FINANCING	$441M
FREE CASH FLOW	$238M
Net Change in Cash	-$21M

Balance Sheet

Item	Amount
Cash & Equivalents	$1.1B
Short-Term Investments	$0
Net Receivables	$0
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$1.1B
PP&E (Net)	$465M
Goodwill	$1.4B
Intangible Assets	$147M
Long-Term Investments	$22.6B
Tax Assets	$0
Other Non-Current Assets	$1.0B
TOTAL NON-CURRENT ASSETS	$25.7B
TOTAL ASSETS	$26.8B
Account Payables	$0
Short-Term Debt	$556M
Deferred Revenue	$0
Other Current Liabilities	$0
TOTAL CURRENT LIABILITIES	$556M
Long-Term Debt	$500M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$21.8B
TOTAL NON-CURRENT LIABILITIES	$22.3B
TOTAL LIABILITIES	$22.9B
Common Stock	$489M
Additional Paid-In Capital	$2.4B
Retained Earnings	$1.2B
Treasury Stock	-$103M
Accum. Other Comp. Income	-$90M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$3.9B
Minority Interest	$0
TOTAL EQUITY	$3.9B
TOTAL LIABILITIES & EQUITY	$26.8B
Total Debt	$1.1B
Net Debt	-$15M