Renasant
Southeastern community bank offering nationwide asset-based lending and factoring.
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Profile
Provides commercial and consumer banking, mortgage, treasury management, nationwide factoring and asset-based lending, plus trust and investment services. Most revenue comes from lending, while customer deposits supply the core funding base across a Southeastern branch franchise.
Operates a Southeastern banking franchise through the Community Banks segment, providing commercial, real estate and consumer loans, deposit accounts, mortgage banking and treasury management. Local market presidents retain decision-making, while risk, technology and other support functions are centralized. Republic Business Credit adds nationwide factoring and asset-based lending.
The Wealth Management segment provides trust, custody, investment advisory and brokerage services through the Trust and Financial Services divisions. Lending and related fees generate most revenue, and customer deposits are the main funding source. Results therefore depend heavily on credit performance, deposit pricing and interest-rate spreads. Banking, mortgage and wealth activities are supervised by federal and state regulators, with the Community Banks segment accounting for substantially all assets and revenue.
Company facts
Categories
Key statistics
Year to date +16.2% · Average volume (30d) 556.1K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 30, 2026 | Piper Sandler | Reiterate | Overweight | $40 | $48 | |
| Oct 30, 2025 | Hovde Group | Upgrade | Market Perform | Outperform | $38 | $41 |
| Apr 24, 2025 | Raymond James | Upgrade | Outperform | Strong Buy | $39 | $40 |
| Nov 13, 2024 | Hovde Group | Downgrade | Outperform | Market Perform |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 28, 2026Q2 FY26 | $0.91 | $0.94 | +3.1% | $280.7M | $273.9M | −2.4% | −0.14% |
| Apr 28, 2026Q1 FY26 | $0.84 | $0.93 | +10.7% | $275.7M | $273.8M | −0.7% | −0.25% |
| Jan 27, 2026Q4 FY25 | $0.80 | $0.91 | +13.7% | $275.9M | $278.5M | +1.0% | +3.04% |
| Oct 28, 2025Q3 FY25 | $0.67 | $0.77 | +14.4% | $272.9M | $234.6M | −14.1% | −3.83% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $255.2M | $351.2M | $362.1M | $376.4M | $387.0M | $122.0M | |
| Gross profit | $164.3M | $144.9M | $224.1M | $246.0M | $264.4M | −$643.0K | |
| Operating income | $52.0M | $2.7M | $75.3M | $96.8M | $110.4M | −$110.4M | |
| Net income | $41.5M | $1.0M | $59.8M | $78.9M | $88.2M | $87.1M | |
| Diluted EPS | $0.65 | $0.01 | $0.63 | $0.83 | $0.94 | $0.94 | |
| Gross margin | 64.4% | 41.2% | 61.9% | 65.3% | 68.3% | -0.5% | |
| Operating margin | 20.4% | 0.8% | 20.8% | 25.7% | 28.5% | -90.5% |
Fiscal years (4-quarter sums)FY21 $695.7M · FY22 $691.1M · FY23 $909.8M · FY24 $1.04B · FY25 $1.35B
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $881.2M · Total debt $1.11B · Total assets $27.00B · Shareholders' equity $3.87B
Dividends
Raised for 32 straight years — most recently to $0.24 from $0.23 in Jun 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 16, 2026 | Jun 16 | Jun 30 | $0.24 | raised from $0.23 |
| Mar 17, 2026 | Mar 17 | Mar 31 | $0.23 | |
| Dec 18, 2025 | Dec 18 | Jan 1 | $0.23 | raised from $0.22 |
| Sep 16, 2025 | Sep 16 | Sep 30 | $0.22 | |
| Jun 16, 2025 | Jun 16 | Jun 30 | $0.22 | |
| Mar 17, 2025 | Mar 17 | Mar 31 | $0.22 | |
| Dec 18, 2024 | Dec 18 | Jan 1 | $0.22 | |
| Sep 16, 2024 | Sep 16 | Sep 30 | $0.22 |
Ownership
Shares outstanding 91.40M · Float 89.44M · 97.9% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 13.32M | 14.57% | 13F | Aug 7, 2026 |
| Wellington Management Group LLP | 5.78M | 6.30% | 13G | Aug 13, 2026 |
| Vanguard Portfolio Management LLC | 5.78M | 6.32% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 5.41M | 5.92% | 13F | Aug 11, 2026 |
| State Street Corp | 5.14M | 5.62% | 13F | Aug 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 3, 2026 | Edward Robinson Mcgraw | director | −35,000 | $43.88 |
| May 29, 2026 | Connie L. Engel | director | −1,257 | $40.90 |
| May 19, 2026 | Albert J. Iii Dale | director | −1,650 | $39.80 |
| May 14, 2026 | C. Mitchell Waycaster | director, officer: Executive Vice Chairman | −12,704 | $39.50 |
| Mar 4, 2026 | Kelly Hutcheson | officer: EVP/Chief Accounting Officer | −1,350 | $38.65 |
Peers
- Trustmark
Jackson, MS-based bank holding $18.9B in assets across six Southeastern states
- First Horizon
Memphis-rooted Southeastern regional bank with ~$84B in assets across 12 states
- United Community Banks
Southeast regional bank with $28B assets across six high-growth Sun Belt states
- SouthState
Florida-headquartered Southeastern regional bank with ~$46B in total assets
- Pinnacle Financial Partners
Southeast relationship bank; #1 in Nashville by deposits; ~$123B assets
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Renasant | $41.09 | −0.02% | $3.76B | 12.3 | 10.8 | 3.0 | +21.1% |
| Trustmark | $46.27 | −0.04% | $2.71B | 11.7 | 11.6 | 2.3 | −14.3% |
| First Horizon | $24.65 | +0.02% | $11.70B | 11.8 | 11.3 | 2.5 | +9.9% |
| United Community Banks | $35.18 | −0.01% | $4.21B | 11.5 | 11.6 | 2.7 | +9.8% |
| SouthState | $105.98 | +0.00% | $10.28B | 11.1 | 10.8 | 3.2 | +1.2% |
| Pinnacle Financial Partners | $101.09 | +0.02% | $15.26B | 12.4 | 9.4 | 3.1 | +145.2% |
| Median | 11.7 | 11.3 | 2.7 | +9.8% |