Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Renasant Corp. (RNST)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$40.63+2.19%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Oct 4, 2026.
Next-FY EPS estimate change · 30 days
3.93 → 3.81 EPS · FY ending Dec 31, 2027 · 6 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 6 to 6; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for RNST yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Net loan charge-offs | Strong credit quality is maintained with low charge-offs. | Intact | exceeds 2.8 million in charge-offs next quarter | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a regional bank investment with a multi-year thesis that depends on steady customer growth, expense control, and successful acquisition integration. The thesis is intact and the recent signal has improved, but management execution is volatile and recent earnings misses warrant attention.
The valuation evidence describes RNST as cheap versus peers, with a justified pricing tag and low signs of fragility. The expectations gap is modestly negative, but the evidence does not specify exactly what earnings assumptions the market has built in.
Near term, the latest quarter included an earnings miss, and the company has a run of consecutive misses, although the estimated miss risk is low. Revenue rose from Q2 to Q3, management reported loan and core deposit growth, and expenses declined modestly as the efficiency ratio improved. Over the multi-year view, acquisition integration remains unproven, while the supplied results show only modest progress on efficiency.
The multi-year thesis depends on RNST completing and integrating strategic acquisitions while sustaining customer growth and expense discipline. Near term, a guidance cut would be a meaningful negative, and rate cuts from the current level could weigh on financial companies. Continued earnings strength and higher guidance from sector peers could support sector momentum.
For the next 1 to 3 years, the operating picture supports an intact but execution-sensitive thesis, with recent earnings misses and unproven integration as key checks. The valuation evidence is favorable versus peers, but the forward case depends on continued operating delivery. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| The efficiency ratio improved to 54.92%, showing better cost management. |
| Intact |
| rises above 54.92% next quarter |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Increase in loans | A primary condition in Renasant Corp.'s published investment case. The stated target is >=19196 million. | Intact | falls below 19196 million in loans next quarter | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Oct 4, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.95 → $3.81 · observed estimates
$1.18B → $1.21B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.95 | $1,176,591,500 | 7 / 6 |
| 2026-07-25 | $3.95 | $1,176,591,500 | 7 / 6 |
| 2026-07-26 | $3.95 | $1,176,591,500 | 7 / 6 |
| 2026-07-27 | $3.95 | $1,176,591,500 | 7 / 6 |
| 2026-07-28 | $3.95 | $1,176,591,500 | 7 / 6 |
| 2026-07-29 | $3.95 | $1,176,591,500 | 7 / 6 |
| 2026-07-30 | $3.93 | $1,166,533,333 | 6 / 5 |
| 2026-07-31 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-01 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-02 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-03 | $3.93 | $1,160,613,830 | 7 / 6 |
| 2026-08-04 | $3.93 | $1,160,613,830 | 7 / 6 |
| 2026-08-05 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-06 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-08 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-09 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-10 | $3.93 | $1,160,613,830 | 7 / 6 |
| 2026-08-12 | $3.93 | $1,160,613,830 | 7 / 6 |
| 2026-08-13 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-14 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-15 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-16 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-17 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-18 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-19 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-20 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-21 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-22 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-23 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-24 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-25 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-26 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-27 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-28 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-29 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-30 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-08-31 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-01 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-02 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-03 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-04 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-05 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-06 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-07 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-08 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-09 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-10 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-11 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-12 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-13 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-14 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-15 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-16 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-17 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-18 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-19 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-20 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-21 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-22 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-23 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-24 | $3.93 | $1,160,613,833 | 6 / 5 |
| 2026-09-25 | $3.93 | $1,160,749,667 | 6 / 5 |
| 2026-09-26 | $3.93 | $1,160,749,667 | 6 / 5 |
| 2026-09-27 | $3.93 | $1,160,749,667 | 6 / 5 |
| 2026-09-28 | $3.93 | $1,160,749,667 | 6 / 5 |
| 2026-09-29 | $3.93 | $1,160,749,667 | 6 / 5 |
| 2026-09-30 | $3.93 | $1,160,749,667 | 6 / 5 |
| 2026-10-01 | $3.93 | $1,160,749,667 | 6 / 5 |
| 2026-10-02 | $3.93 | $1,160,749,667 | 6 / 5 |
| 2026-10-03 | $3.93 | $1,160,749,667 | 6 / 5 |
| 2026-10-04 | $3.93 | $1,160,749,667 | 6 / 5 |
| 2026-10-05 | $3.93 | $1,160,749,667 | 6 / 5 |
| 2026-10-06 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-07 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-08 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-09 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-10 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-11 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-12 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-13 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-14 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-15 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-16 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-17 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-18 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-19 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-20 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-21 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-22 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-23 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-24 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-25 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-26 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-27 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-28 | $3.93 | $1,161,411,500 | 6 / 5 |
| 2026-10-29 | $3.91 | $1,185,520,167 | 6 / 5 |
| 2026-10-30 | $3.84 | $1,198,790,550 | 5 / 4 |
| 2026-10-31 | $3.81 | $1,206,357,217 | 5 / 4 |
| 2026-11-01 | $3.81 | $1,206,357,217 | 6 / 5 |
| 2026-11-02 | $3.81 | $1,206,357,217 | 6 / 5 |
| 2026-11-03 | $3.81 | $1,206,357,217 | 6 / 5 |
| 2026-11-04 | $3.81 | $1,206,357,217 | 6 / 5 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 6 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 2 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.