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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -16.8% |
| Our one-year growth estimate | diamond | -12.1% |
Growth built into the price is above our model estimate.
The price assumes 4.7 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 219 industry peers
RNST — CFO transition
Dated 2026-08-25
CFO — James C. Mabry IV: The CFO is retiring with a named external successor and a planned transition period, representing an orderly succession rather than a sudden loss of leadership.
Why it matters: A better efficiency ratio shows improved cost control and revenue. This is important for profits.
Supportive ifThe adjusted efficiency ratio goes below 54.92% in Q3 2026.
Worry ifThe adjusted efficiency ratio goes above 54.92% in Q3 2026.
Why it matters: Strong deposit growth shows that customers trust the company. It also helps the company's capital.
Supportive ifDeposits increase by over $200 million in Q3 2026. This shows strong customer ties.
Worry ifDeposits fall or grow less than $200 million in Q3 2026. This shows possible customer retention issues.
Why it matters: Active stock buybacks show management believes in the company's value. This can help share prices.
Supportive ifRenasant buys back over $60 million in stock in Q3 2026.
Worry ifNo big stock buybacks happen in Q3 2026.
Why it matters: Renasant needs to grow customer ties. This is key for its strategy in main markets.
Supportive ifLook for more new customer accounts or deposits in the Southeast in earnings reports.
Worry ifDecline in customer accounts or stagnant growth in the Southeastern markets.
Why it matters: More stock buybacks show trust in the company's worth and its focus on capital use.
Supportive ifThere is news of more stock buybacks beyond the current $250 million limit.
Worry ifNo new stock buyback news may mean a change in how the company uses its money.
Why it matters: Earnings results will show if the company keeps growing after recent buyouts.
Watch forEarnings report shows net income growth of more than 5% year-over-year.
Also watch forEarnings report shows lower net income or big problems in operations.
Why it matters: More charge-offs may mean credit quality problems and affect profits.
Worry ifNet loan charge-offs remain below 0.06% in Q3 2026.
Less concerning ifNet loan charge-offs exceed 0.10% in Q3 2026.
Why it matters: Completing more acquisitions would show Renasant is sticking to its growth plan. This can boost investor confidence.
Supportive ifAnother acquisition will be announced. It will add value to the company.
Worry ifNo new acquisitions announced in the next quarter.
Why it matters: If it drops below this level, profits may fall due to rising deposit costs.
Worry ifQ3 net interest margin was below 3.80%.
Less concerning ifNet interest margin stays the same or goes above 3.80%.
Why it matters: Higher costs may show problems or issues after the acquisition.
Worry ifNoninterest expense was over $170 million in Q3.
Less concerning ifNoninterest expense stayed below $160 million in Q3.
Why it matters: Changes in the allowance can show shifts in credit quality and risk.
Watch forThe allowance for credit losses increases a lot. This shows more careful lending.
Also watch forAllowance goes down or stays the same, showing confidence in credit quality.
Why it matters: If integration works, it shows management's growth plan. It will also impact future profits.
Supportive ifManagement says integration is going well. They also saved money from the acquisition.
Worry ifManagement reports problems with integration. They are not saving costs as expected.
Why it matters: Growth in net income shows that acquisitions are working and performance is strong.
Supportive ifNet income exceeds $88.2 million in Q2 2026, continuing the upward trend.
Worry ifNet income drops below $80 million in Q2 2026, which may signal problems.
Why it matters: Finishing acquisitions could help Renasant grow. It will also strengthen its market position.
Supportive ifLook for news about a completed acquisition. It should add important assets or customers.
Worry ifNo acquisitions completed by the end of the quarter.
Why it matters: Strong loan growth signals effective integration of acquisitions and market expansion. It shows the company is on track with its growth strategy.
Supportive ifLoan growth is over $220 million in Q3 2026. This shows good acquisition integration.
Worry ifLoan growth is under $220 million in Q3 2026. This points to problems in integration or market.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This may affect Renasant's performance.
Worry ifRevenue growth falls below the median of 12% over the next quarter.
Less concerning ifRevenue growth remains at or above the median of 12%.
Why it matters: Steady loan growth shows demand and good integration. This is key for making money.
Supportive ifLoans increase by more than 4.7% annualized in Q3 2026.
Worry ifLoan growth falls below 4.7% annualized in Q3 2026.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$100 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $233 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,719 loss on $10,000 · 17.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.