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Renasant Corp

Renasant Corp

RNST
$43.70USD↓-1.24%-0.55 today

MARKET CAP

4.0B

P/E (TTM)

13.2x

FWD P/E

11.3x

DAY RANGE

$43 – $44

52W RANGE

$33
$45

AI Summary

Stalk
StalkMedium

RNST is advancing in a well-defined Stage 2 uptrend, reinforced by a Parabola continuation driving accelerating momentum. The medium-term structure remains constructive with rising moving averages supporting higher highs and lows. However, near-term indicators show price extended above EMAs and overbought conditions, suggesting a pullback is needed before entry. We prefer to defer execution and watch for a disciplined retracement into the 9/21 EMA zone or prior breakout levels to seek a lower-risk entry aligned with our Value + EPS strategy.

  • ↑Adjusted EPS rose 41% YoY to $0.93 in Q1 2026.
  • ↑Efficiency ratio fell from 65.5% to 55.7% after merger.
  • ↓Profitability factor negative, with net interest income declining.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Renasant Corporation (NASDAQ: RNST) is a prominent regional bank focusing on providing financial products and services, operating primarily in the Southeastern United States. The company has positioned itself to leverage its strengths following the recent merger with First Bank Shares, enhancing operational efficiency and market share. Renasant's emphasis on customer-centric growth, along with an active buyback program, indicates its commitment to maintaining shareholder value as it navigates through a competitive landscape with evolving economic conditions.

Bull says

  • ↑Adjusted EPS rose 41% YoY to $0.93 in Q1 2026.
  • ↑Efficiency ratio fell from 65.5% to 55.7% after merger.
  • ↑Share buybacks retired over 3% of shares to boost value.
  • ↑Loan pipeline grew 30% at Q2 start, signaling strong demand.
  • ↑Deposits increased 7% QoQ, driven by public funds inflows.
  • ↑High earnings yield and robust book-to-price ratio support upside.

Bear says

  • ↓Profitability factor negative, with net interest income declining.
  • ↓Non-performing loans increased in Q2, prompting higher provisions.
  • ↓Aggressive competitor pricing limits future loan growth.
  • ↓Net interest margin at 3.87% vulnerable to rate swings.
  • ↓Low institutional confidence: negative short interest and 13F ownership.
  • ↓Smaller scale versus peers may weaken competitive positioning.

Investment themes with RNST

High Dividend Yield↑ +0.32%

Companies paying above-average dividends

AVGO · JPM · XOM
Regional Banks↑ +0.50%

FLG · TCBI · ZION

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 05-01-2026neutral

Transcript signals

Bull points

  • we did see a little bit of an inflow in Q2, and that number has increased somewhat over the last couple of quarters.
  • Adjusted earnings per share were 93 cents in the first quarter, representing a 41% increase year over year.
  • For the quarter, adjusted return on assets grew from 95 basis points in 2025 to 133 basis points in 2026.

Bear points

  • But one thing that really probably just concerns us, and this goes back to when we built the allowance back to 2020, was just all the volatility and uncertainty that's out there that's putting strain on either consumers or commercial businesses' cash flows.
  • But right now, I just think there's enough macro uncertainty. Even though it may not be showing up quantitatively in our credit quality numbers, there is enough uncertainty out there to keep the level of reserve where it is.
  • Net interest income decreased $3.8 million quarter over quarter.
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