Renasant Corp. (RNST)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$41.40+0.49%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · RNST
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks RNST against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Met or beat guidance 100% of the last 2 guided quarters · 4.8% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue executing acquisitions to expand footprint and loan portfolio, including recent portfolio acquisitions and whole bank mergers.
Stated as a priority in 5 of last 5 quarters. Loans increased by $220.9 million in 2026-Q2 including a $58.3 million loan portfolio acquisition. The company completed the transformative acquisition of The First Bancshares in 2025-Q4, fully reflected in 2026-Q1 results. The trajectory shows active delivery on acquisition-driven growth.
“Loans increased $220.9 million linked quarter, including a $58.3 million loan portfolio acquired during the quarter.”
“Multiple 8-Ks filed in 2026 confirm completed acquisitions and presentations on M&A activity.”
“We have a history of acquisitions and de novo expansion in Southeastern markets.”
“Completed transformative acquisition of The First Bancshares, Inc. fully captured in Q1 2026 results.”
“Sold $117.3 million of loans acquired in connection with merger with The First.”
Continue disciplined capital allocation with active stock repurchase program and prudent debt issuance to support growth and shareholder returns.
Stated in 4 of last 5 quarters. The company repurchased $60 million of stock in 2026-Q2 and increased repurchase authorization to $250 million. It also issued $300 million in subordinated notes in 2026-Q2. These actions demonstrate active capital allocation consistent with management's stated priorities.
Focus on expanding customer relationships and hiring talent across Southeastern U.S. markets to drive revenue growth.
Stated in 3 of last 5 quarters. Management emphasizes growing customer relationships and hiring talent in Southeastern markets. Revenue remained stable around $340 million quarterly in 2026-Q1 and Q2, supporting steady operational delivery though growth is moderate.
“We believe our team is positioned to continue strong profitability as we pursue growth opportunities throughout our footprint.”
Enhance operational efficiency by increasing revenue and controlling noninterest expenses to improve efficiency ratio.
Stated in 3 of last 5 quarters. Adjusted efficiency ratio improved from 57.07% in 2025-Q2 to 54.92% in 2026-Q2, reflecting revenue growth and expense management. Noninterest expense increased slightly in 2026-Q2 but remains controlled. The trajectory shows delivering on efficiency improvement goals.
Maintain disciplined credit underwriting and manage loan portfolio quality to minimize charge-offs and nonperforming loans.
Stated in 3 of last 5 quarters. Net loan charge-offs remained low at $2.8 million (0.06% annualized) in 2026-Q2, slightly up from $2.3 million in 2026-Q1. Nonperforming loans ratio improved from 1.06% to 0.97% over the same period. Management is maintaining strong credit quality consistent with stated priorities.
Over the trailing year it converted 1.88x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
28 material management or governance events in the past 24 months, led by M&A activity. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.
“Repurchased $60 million of common stock; $101.8 million repurchase authorization remains.”
“Completed $300 million subordinated debt offering in May 2026.”
“Board increased stock repurchase authorization by $100 million to $250 million total.”
“Repurchased $13.2 million of common stock at weighted average price of $34.29.”
“Focused on growing customer relationships and hiring talent throughout Southeastern markets.”
“Completed acquisition of The First Bancshares to expand Southeastern footprint.”
“Adjusted efficiency ratio improved to 54.92% driven by revenue growth and expense management.”
“Efficiency gains through revenue growth and expense management since Q2 2025.”
“Noninterest expense decreased $13.1 million linked quarter including merger expense reductions.”
“Net loan charge-offs were $2.8 million or 0.06% annualized; nonperforming loans decreased to 0.97%.”
“Net loan charge-offs were $2.3 million or 0.05% annualized; nonperforming loans at 1.06%.”
“Allowance for credit losses on loans to total loans was 1.54%; nonperforming loans at 0.92%.”