Renasant

RNST · NYSE · Financials · Financials, fiscal 2016 to 2025

RNST · Last close · November 6, 2026

$39.39

Renasant's revenue rose 37.7% to $986 million in fiscal 2025. Net income was $181 million, down 7.3%. Its return on equity was 5.5%, down from 7.9% a year earlier. Its efficiency ratio was 66.1%, up from 64.5% a year earlier. It paid out $92 million in dividends and buybacks. The diluted share count rose 46.5%.

RENASANT CORP Latest fiscal year ended December 31, 2025 10-K filed March 2, 2026 · 0000715072-26-000017 Updated November 5, 2026

Revenue

$986M

37.7%

Net income

$181M

7.3%

Return on equity

5.5%

2.3 pts

Return on tangible equity

9.1%

4.1 pts

Efficiency ratio

66.1%

1.6 pts

Market cap

$3.6B

Nov 6 close

P/E

10.9x

On $3.61 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2025, earnings per share fell 0.5% a year and net income grew 8.0% a year, as new shares raised the share count by 108% and diluted each share's earnings.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	—	11,386	12,153	12,683	18,753
Deposits	13,906	13,487	14,077	14,573	21,473
Loans to deposits	—	84.4%	86.3%	87.0%	87.3%
Provision for credit losses	−2	24	16	9	108
Provision to average loans	—	—	0.1%	0.1%	0.7%
Total assets	16,810	16,988	17,360	18,035	26,751
Shareholders' equity	2,210	2,136	2,297	2,678	3,885

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project Renasant's revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open Renasant's projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, 1 insider bought $151,700 of Renasant shares on the open market, and 8 insiders sold $3.7 million.

Buys and sells by month

US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.

BoughtSold

Date	Insider	Trade	Shares	Price	Value	Filing
Nov 2, 2026	Jonathan A LevyDirector	Bought	2,000	$41.06	$82,120	Form 4
Aug 3, 2026	Edward Robinson McGrawDirector	Sold	35,000	$43.88	$1.5 million	Form 4
May 29, 2026	Connie L EngelDirector	Sold	1,257	$40.90	$51,411	Form 4
May 19, 2026	Albert J Dale IIIDirector	Sold	1,650	$39.80	$65,670	Form 4
May 14, 2026	Waycaster C MitchellExecutive Vice Chairman, Director	Sold	12,704	$39.50	$501,808	Form 4
Mar 4, 2026	Kelly HutchesonEVP/Chief Accounting Officer	Sold	1,350	$38.65	$52,178	Form 4
Feb 13, 2026	Cole M Ray JrSEVP and Executive Advisor, Director	Sold	20,000	$40.63	$812,600	Form 4
Feb 2, 2026	Mark JeanfreauEVP/General Counsel	Sold	6,000	$37.88	$227,280	Form 4
Jan 30, 2026	James C. Mabry IVEVP and CFO	Sold	12,500	$37.83	$472,875	Form 4
Nov 11, 2025	Jonathan A LevyDirector	Bought	2,000	$34.79	$69,580	Form 4

Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put Renasant side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

Similar companies

Company	Year	Revenue growth	Net margin	Return on equity	Return on tangible equity	Efficiency ratio	Compare
Renasant	FY25	37.7%	18.4%	5.5%	9.1%	66.1%
WesBanco	FY25	61.8%	22.7%	6.5%	10.2%	63.7%	Compare
First Interstate BancSystem	FY25	5.9%	28.5%	8.9%	13.3%	60.5%	Compare
United Community Banks	FY25	11.7%	30.9%	9.3%	12.2%	55.7%	Compare
WSFS Financial	FY25	1.9%	27.0%	10.8%	17.1%	59.7%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	438	469	540	597	662	651	631	632	716	986
Revenue growth	25.4%	7.0%	15.2%	10.4%	11.0%	−1.7%	−3.1%	0.3%	13.2%	37.7%
Net interest income	301	337	396	444	427	424	481	519	512	804
Noninterest income	137	132	144	153	236	227	149	113	204	182
Noninterest expense	295	302	345	374	472	430	395	440	462	652
Provision for credit losses	7	8	7	7	87	−2	24	16	9	108
Net income	91	92	147	168	84	176	166	145	196	181
Diluted EPS (US$)	2.17	1.96	2.79	2.88	1.48	3.12	2.95	2.56	3.27	2.07
Diluted shares (millions)	42	47	53	58	56	56	56	56	60	88
Payouts
Dividends paid	30	34	44	51	50	50	50	50	54	79
Share buybacks	0	0	7	63	25	21	0	0	0	13
Balance sheet at fiscal year end
Loans, net	6,203	7,620	9,083	9,690	—	—	11,386	12,153	12,683	18,753
Deposits	7,059	7,921	10,129	10,213	12,059	13,906	13,487	14,077	14,573	21,473
Total assets	8,700	9,830	12,935	13,401	14,930	16,810	16,988	17,360	18,035	26,751
Shareholders' equity	1,233	1,515	2,044	2,126	2,133	2,210	2,136	2,297	2,678	3,885
Ratios
Return on equity	8.0%	6.7%	8.3%	8.0%	3.9%	8.1%	7.6%	6.5%	7.9%	5.5%
Return on tangible common equity	14.0%	11.4%	15.1%	15.1%	7.2%	14.6%	14.0%	12.0%	13.2%	9.1%
Return on assets	1.1%	1.0%	1.3%	1.3%	0.6%	1.1%	1.0%	0.8%	1.1%	0.8%
Efficiency ratio	67.3%	64.3%	63.8%	62.7%	71.3%	66.1%	62.7%	69.5%	64.5%	66.1%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: Renasant's Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with Renasant.