📈 Price History

Ratio Health

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By Category

📊 Sector Averages

About

Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, and fiduciary services to retail and commercial customers. The company operates in two segments, Community Banks and Wealth Management. The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lending, and factoring equipment leasing services, as well as safe deposit and night depository facilities. It also provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate–1-4 family mortgage; real estate–commercial mortgage; real estate–construction loans for the construction of single family residential properties, multi-family properties, and commercial projects; installment loans to individuals; and interim construction loans, as well as automated teller machine (ATM), online and mobile banking, call center, and treasury management services. The Wealth Management segment offers a range of wealth management and fiduciary services, including administration and management of trust accounts, such as personal and corporate benefit accounts, and custodial accounts, as well as accounting and money management for trust accounts. It also provides annuities, mutual funds, and other investment services through a third-party broker-dealer; administrative and compliance services; and qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates, as well as administrative and compliance services for certain mutual funds. The company was founded in 1904 and is based in Tupelo, Mississippi.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management repeatedly used phrases like 'proud of the results', 'very encouraged by these early results', 'well positioned for the second half of the year', and 'on track to realize the benefits of the combination'. They provided specific numbers to back claims (loans up 7%, core NIM expansion from 3.42% to 3.58%).

Q3 2025

Confident Specific

Management used phrases like 'encouraged by the results', 'good loan growth and profit improvement', 'position us to achieve our goals' and gave specific numbers such as loan growth 9.9% annualized, adjusted ROA 1.09%, adjusted ROTCE 14.22%.

Q4 2025

Confident Specific

Management repeatedly used phrases like 'transformative year', 'considerable improvement', 'strong balance sheet growth', and gave precise metrics (ROA up 94 bps to 110 bps, adjusted EPS +11%, efficiency ratio -900 bps). They affirmed guidance and pointed to successful merger integration as the driver.

Q1 2026 latest

Confident Specific

Management declared 'strong results exceed our goals' and provided specific metrics: adjusted EPS up 41% YoY, ROA from 95 to 133 bps, ROTCE from 10.3% to 16.3%, efficiency ratio from 65.5% to 55.7%. They also praised their team's performance through the merger and expressed confidence in hiring talented bankers.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis appears stronger after this call. Renasant exceeded its own aspirational goals, with adjusted EPS up 41% YoY and ROA/ROTCE significantly improved. The merger integration is complete and cost saves realized, allowing management to focus on organic growth and hiring. Credit quality remains stable with low charge-offs. Active buybacks signal confidence. However, Q1 loan growth was soft due to paydowns and competitive pressure, though the pipeline is strong and mid-single digit growth is reaffirmed. Investors should watch for loan growth acceleration, expense discipline as hiring ramps, and net interest margin stability in a no-cut environment. Overall, the company has improved profitability and optionality, making the thesis more compelling.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED Renasant Q1 2026 adj. EPS $0.93, up 41% YoY; adj. ROA 133 bps.

Revenue & Profitability

Adjusted EPS was $0.93, a 41% increase year over year. Adjusted return on assets grew from 95 bps to 133 bps, and adjusted return on tangible equity rose from 10.3% to 16.3%. Net interest margin was 3.87% (adjusted 3.61%), and adjusted pre-provision net revenue was $118.3 million. Loans decreased $71.8 million linked quarter, while deposits increased $626.4 million. Non-interest income was $50.3 million, and non-interest expense was $155.3 million (excluding $10.6 million in merger costs in Q4).

Outlook

Management expects mid-single-digit loan growth for the year, though Q1 loan growth was slightly down due to macro events and aggressive pricing by incumbent banks. The pipeline is up 30% from the beginning of the year. The core net interest margin is expected to remain stable, and fee income may see modest improvement. Deposit growth is also expected to be mid-single digit, roughly parallel to loan growth.

Growth Drivers

Key growth drivers include hiring A-rated talent (18 revenue producers hired in Q1), building out wealth management and secured lending lines, and capitalizing on market dislocation. Mortgage revenue is positioned to benefit if rates cooperate. New account openings have accelerated, with over 340 deposit accounts opened in the last four days versus a previous trend of about 200 per month.

Balance Sheet & CapEx

Not discussed in this earnings call.

Margins

Adjusted net interest margin was 3.61%, down 1 basis point linked quarter, and management expects the core NIM to remain stable. Deposit costs decreased 3 basis points to 1.94%, but further repricing opportunities are limited. The efficiency ratio improved to 55.7%. Expenses may increase low single digits in Q2 due to merit increases and day count, plus potential hiring.

Key Risks

Risks flagged include macro events (Middle East conflict, rate increases) that pushed loan pipelines into Q3, rising energy costs that may strain consumer and business cash flows, and potential credit deterioration. Non-performing loans increased by $24 million in Q2, though overall credit quality remains stable with low charge-offs. Management maintains a higher allowance due to macro uncertainty.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-29

Adjusted EPS rose 36% year-over-year with strong loan growth and improved efficiency. Deposit outflows were seasonal, with core deposit trends and new account openings remaining robust. Margin and profitability outlooks are stable, supported by disciplined underwriting and market disruption opportunities.

Q1 2026 Q1 2026 2026-04-29

Q1 2026 saw adjusted EPS up 41% year-over-year, strong deposit growth, and improved efficiency. Loan growth slowed due to macro events, but the outlook for mid-single digit growth in loans and deposits is reaffirmed. Capital ratios remain strong, with active hiring and buybacks ongoing.

Q4 2025 Q4 2025 2026-01-28

Profitability and efficiency improved significantly in 2025, driven by merger integration, cost reductions, and organic growth. Guidance for 2026 targets mid-single-digit loan growth, stable margins, and continued capital deployment through buybacks and potential M&A.

Q3 2025 Q3 2025 2025-10-29

Q3 saw strong, broad-based loan growth and improved profitability, with integration synergies from the merger with The First beginning to materialize. Efficiency gains and disciplined expense management are expected to drive further improvements, while capital ratios remain robust.

Q2 2025 Q2 2025 2025-07-23

Q2 results reflect successful merger integration, with strong loan and deposit growth, margin expansion, and improved efficiency. Guidance remains for mid-single-digit growth and further cost synergies, while capital and credit metrics remain solid.

📊 Analysis Methodology

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