Company Analysis

Renasant Corporation (RNST)

NYSE: RNST · State Commercial Banks · Tupelo, MS · filing with the SEC since 1994
Grade4.1
◀ Past 2.7● Present 4.5▶ Future 5.7

The grade of Renasant Corporation

Nine metrics read from its own filings, by tense
Headline grade
4.1/10
◀ Past2.740% of the headline
● Present4.535% of the headline
▶ Future5.725% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

2.7/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
1.7/10

Has it survived what it has been through?

2 warning events since 2017; the latest 2025-11-03.

weight 45% of this tense · 17th percentile among 165 sector filers · read for itself

From the record

Renasant Corporation's filings since 2017 show 2 warning events of 2 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2023-09-26); an auditor change (8-K item 4.01, the latest 2025-11-03) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
4.0/10

What has it actually done, year after year?

+16.1% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 40th percentile among 152 sector filers · read for its customers

From the record

Renasant Corporation's 10 filed years say what it did: revenue went from $329 million in fiscal 2016 to $1.3 billion in fiscal 2025, up 16.1% a year; it rose in 7 of 9 years; the deepest fall was 14% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span16.1%top 40% of its family
  • the share of years revenue rosebottom 29% of its family
  • the share of filed years with a profittop 44% of its family
  • the deepest fall from a revenue peak13.6%bottom 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
3.1/10

How has it treated the people who own it?

Share count grew 15.9% a year. 37% of cash flow returned. Insiders: 10 sales, 2 purchases.

weight 33% of this tense · 31st percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Renasant Corporation's diluted share count grew about 15.9% a year, and dividends and buybacks returned about 37% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 10 sales and 2 purchases of their own stock on the open market in the year to 2026-11-03, buying about $152 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 5% of its family
  • cash returned against operating cash flowtop 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.5/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
3.5/10

Is it financially healthy right now?

ROE 5%: 5¢ of profit per shareholder dollar. Leverage 85%: owes 85¢ per asset dollar.

weight 45% of this tense · 35th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Renasant Corporation earned about 5 cents of profit for every dollar of shareholders' money. Leverage: it owed about 85 cents per dollar of assets, and net share issuance: its share count grew 46.5% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 8% of its family
  • return on equitybottom 9% of its family
  • the share count against the year beforebottom 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.4/10

How strong is its position in its industry?

top 36% of 155 in its family; net margin 14.4%.

weight 33% of this tense · 64th percentile among 155 sector filers · read for its customers

From the record

Renasant Corporation's standing among 155 graded names in its industry family: revenue of $1.3 billion in fiscal 2025 ranks in the top 18% by size; a net margin of 14.4% ranks in the bottom 18%; revenue growth of 32.6% a year over the last 3 filed years ranks in the top 8% (its annual reports).

What it rests on

  • revenue against the family$1.26Btop 18% of its family
  • net margin14.4%bottom 18% of its family
  • three-year revenue growth32.6%top 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
3.7/10

What are the people in charge doing?

bottom 37% of 150 in its family for leadership; chief executive since 2026.

weight 22% of this tense · 37th percentile among 150 sector filers · read for its shareholders

From the record

Renasant Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Chapman, Kevin D (President and CEO, as filed), filing under that title since 2026-01-05, 10 months (bottom 9% of its family); the 24 officers and directors filing in the last fifteen months have been on the record a median of 8.6 years (top 33%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 24 people in charge now (bottom 36%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge9 in three years among 24 peoplebottom 36% of its family
  • the median years the people in charge have filed8.6 yearstop 33% of its family
  • the chief executive's years on the record11 monthsbottom 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.7/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
3.4/10

How much room does it have to grow?

bottom 34% of 142 in its family for room to expand.

weight 33% of this tense · 34th percentile among 142 sector filers · read for itself

From the record

Renasant Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $1.1 billion against debt of $500 million leaves 2.1% of its assets as net cash, bottom 38% of its family; cash from operations less capital spending is 18.8% of revenue (bottom 29%) (its annual report).

What it rests on

  • cash less debt against assets2.1%bottom 38% of its family
  • cash from operations less capital spending against revenue18.8%bottom 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
8.9/10

What could actually drive growth from here?

top 11% of 152 in its family for growth drivers.

weight 33% of this tense · 89th percentile among 152 sector filers · read for its customers

From the record

Renasant Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 32.6% a year over the last three filed years against 16.1% over all 10, speeding up (top 4% of its family); the newest year grew 42.2% (top 4%); capital spending grew 31.5% a year (top 25%) (its annual reports). Renasant Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+16.4 points a yeartop 4% of its family
  • the newest year's revenue growth42.2%top 4% of its family
  • three-year growth of capital spending31.5%top 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
5.0/10

Did its newest year beat what its own record pointed to?

bottom 50% of 150 in its family for expectations against reality.

weight 33% of this tense · 50th percentile among 150 sector filers · read for its shareholders

From the record

Renasant Corporation's newest year against its own record: revenue of $1.3 billion in fiscal 2025 came in 11.1% above the $1.1 billion its prior three years' pace pointed to (top 4% of its family); net income of $181 million against a prior three-year average of $169 million (bottom 39%); a net margin of 14.4% against 23.6% before (bottom 15%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace11.1%top 4% of its family
  • net income against the prior three years' average+7%bottom 39% of its family
  • net margin against its prior average-9.2 pointsbottom 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton RNST · research, not advice