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Financials · RNST

Renasant Corporation (RNST) financials

For the twelve months ended Sep 30, 2026, Renasant Corporation reported $1.10B of revenue and $333.22M of net income.

Revenue, TTM
$1.10B
Revenue growth, YoY
+25.7%
Net income, TTM
$333.22M
Net income growth, YoY
+126.6%
Net margin
30.3%
Free cash flow, TTM
$435.78M
Cash
$734.52M
Total debt
$754.83M
P/E
10.86
P/S
3.29
Market cap
$3.62B
Annual revenue$985.85M
FY2016FY2025
Annual net income$181.27M
FY2016FY2025
Annual free cash flow$237.75M
FY2016FY2025

RNST revenue and earnings growth

RNST revenueQ3 2026$272.96M

Quarter YoY
+1.3%
QoQ
-0.4%
FY YoY
+37.7%
5Y CAGR
+8.3%
10Y CAGR
+10.9%

RNST revenue was $272.96M in fiscal Q3 2026 (ended Sep 30, 2026), up 1.3% from a year earlier and down 0.4% from the prior quarter. For the full fiscal 2025 it was $985.85M, up 37.7% from fiscal 2024. Compound annual growth was +8.3% over 5 years and +10.9% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

RNST net incomeQ3 2026$78.95M

Quarter YoY
+32.0%
QoQ
-9.3%
FY YoY
-7.3%
5Y CAGR
+16.7%
10Y CAGR
+10.3%

RNST net income was $78.95M in fiscal Q3 2026 (ended Sep 30, 2026), up 32.0% from a year earlier and down 9.3% from the prior quarter. For the full fiscal 2025 it was $181.27M, down 7.3% from fiscal 2024. Compound annual growth was +16.7% over 5 years and +10.3% over 10 years. It rose in 6 of the last 10 fiscal years.

RNST EPSQ3 2026$0.86

Quarter YoY
+36.5%
QoQ
-8.5%

RNST diluted EPS was $0.86 in fiscal Q3 2026 (ended Sep 30, 2026), up 36.5% from a year earlier and down 8.5% from the prior quarter. For the full fiscal 2025 it was $2.07.

RNST free cash flowQ3 2026$161.94M

Quarter YoY
+25.0%
QoQ
+111.9%
FY YoY
+156.3%
5Y CAGR
+34.5%
10Y CAGR
+0.4%

RNST free cash flow was $161.94M in fiscal Q3 2026 (ended Sep 30, 2026), up 25.0% from a year earlier and up 111.9% from the prior quarter. For the full fiscal 2025 it was $237.75M, up 156.3% from fiscal 2024. Compound annual growth was +34.5% over 5 years and +0.4% over 10 years. It rose in 5 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$985.85M$715.86M$632.40M$630.55M$650.99M$662.33M$596.91M$540.49M$469.04M$438.41M
Interest expense--$277.99M$60.51M$44.68M$71.33M$98.92M$65.33M$37.85M$28.15M
Pre-tax income$226.73M$244.97M$177.19M$211.31M$222.83M$103.49M$215.69M$188.65M$159.87M$135.78M
Income tax$45.46M$49.51M$32.51M$45.24M$46.94M$19.84M$48.09M$41.73M$67.68M$44.85M
Net income$181.27M$195.46M$144.68M$166.07M$175.89M$83.65M$167.60M$146.92M$92.19M$90.93M
EPS, basic$2.09$3.29$2.58$2.97$3.13$1.49$2.89$2.80$1.97$2.18
EPS, diluted$2.07$3.27$2.56$2.95$3.12$1.48$2.88$2.79$1.96$2.17
Diluted shares87.5M59.7M56.4M56.2M56.4M56.5M58.2M52.6M47.0M42.0M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$1.07B$1.09B$801.35M$575.99M$1.88B$633.20M$414.93M$569.11M$281.45M$306.22M
Goodwill$1.41B$988.90M$991.66M$991.71M$939.68M$939.68M$939.68M$932.93M$611.05M$470.53M
Total assets$26.75B$18.03B$17.36B$16.99B$16.81B$14.93B$13.40B$12.93B$9.83B$8.70B
Short-term debt$555.77M$108.02M$307.58M$712.23M$13.95M$21.34M$489.09M$387.71M$89.81M$109.68M
Total debt$499.76M$430.61M$429.40M$428.13M$471.21M$474.97M$376.51M$263.62M$207.55M$202.46M
Total liabilities$22.87B$15.36B$15.06B$14.85B$14.60B$12.80B$11.27B$10.89B$8.31B$7.47B
Shareholders' equity$3.88B$2.68B$2.30B$2.14B$2.21B$2.13B$2.13B$2.04B$1.51B$1.23B

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$271.47M$106.42M$148.55M$574.04M$142.66M$82.24M$163.62M$82.11M$207.04M$163.80M
Capital expenditures$33.72M$13.64M$21.63M$14.84M$20.52M$28.27M$34.97M$22.36M$13.05M$13.56M
Free cash flow$237.75M$92.77M$126.92M$559.21M$122.14M$53.97M$128.66M$59.75M$194.00M$150.24M
Investing cash flow-$734.02M-$275.03M-$55.40M-$2.04B-$660.00M-$1.27B-$505.91M-$503.29M$69.66M-$351.99M
Financing cash flow$441.24M$459.30M$132.21M$167.64M$1.76B$1.40B$188.11M$708.83M-$301.47M$282.85M
Dividends paid$78.60M$53.73M$50.28M$49.99M$50.02M$50.13M$50.90M$43.61M$34.42M$29.73M
Share repurchases$13.34M$0$0$0$21.32M$24.57M$62.94M$7.06M$0$0
Stock-based compensation$17.72M$13.88M$13.72M$11.51M$10.07M$10.58M$10.20M$7.25M$5.29M$3.12M
Depreciation and amortization$16.21M$32.28M$35.23M$42.74M$47.35M$34.63M$8.19M$3.50M$4.83M$3.09M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY37.7%13.2%0.3%-3.1%-1.7%11.0%10.4%15.2%7.0%25.4%
Net income growth, YoY-7.3%35.1%-12.9%-5.6%110.3%-50.1%14.1%59.4%1.4%33.7%
EPS growth, YoY-27.7%-13.2%-5.4%110.8%-48.6%3.2%42.3%-9.7%15.4%
Net margin18.4%27.3%22.9%26.3%27.0%12.6%28.1%27.2%19.7%20.7%
Free cash flow margin24.1%13.0%20.1%88.7%18.8%8.1%21.6%11.1%41.4%34.3%
Return on equity4.7%7.3%6.3%7.8%8.0%3.9%7.9%7.2%6.1%7.4%
Return on assets0.7%1.1%0.8%1.0%1.0%0.6%1.3%1.1%0.9%1.0%
Debt to equity0.130.160.190.200.210.220.180.130.140.16

Source: XBRL data Renasant Corporation files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

RNST peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
RNST$1.10B+25.7%$333.22M30.3%$3.62B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

RNST FAQ

7 questions
  • What is RNST revenue?
    Renasant Corporation (RNST) reported $1.10B of revenue for the twelve months ended Sep 30, 2026. That is up 25.7% from the year before. Revenue for fiscal 2025 was $985.85M.
  • Is RNST profitable?
    Yes. Renasant Corporation earned $333.22M in net income for the twelve months ended Sep 30, 2026, a net margin of 30.3%.
  • How much cash and debt does RNST have?
    Renasant Corporation reported $734.52M in cash and cash equivalents and $754.83M of debt on its most recent balance sheet in SEC filings.
  • How fast is RNST revenue growing?
    Renasant Corporation's revenue changed +37.7% in fiscal 2025, to $985.85M. Its compound annual growth rate was +8.3% over 5 years and +10.9% over 10 years.
  • What is RNST free cash flow?
    Renasant Corporation generated $435.78M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $456.69M less capital expenditures.
  • When did RNST last report financial results?
    The latest statements here come from Renasant Corporation's 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this RNST financial data come from?
    Quantisnow builds these statements from the structured XBRL data Renasant Corporation files with the SEC. It is provided for information only and is not investment advice.