Renasant Corporation Common Stock (RNST)

FairStock Score: 51/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Renasant as a $3.6 billion regional bank: deposits, loans, wealth management, and a branch network that depends on local relationships. At the close on 2026-10-13, the shares were $39.18, or 11.59 times FairStock's earnings figure and 0.93 times book. That is not demanding, and the 2.45% dividend yield gives shareholders something while they wait. But the quality is mixed. FairStock calculates an ROE of 8.21%, which is modest for a bank; a below-book price may be the market's way of saying it doubts whether that return can improve. The filed numbers show a recovery but not consistency: in fiscal Q2 2026, the quarter ended 2026-06-30, Renasant earned $87.1 million, or $0.94 diluted EPS; in fiscal Q1 2026, the quarter ended 2026-03-31, it earned $88.2 million, or $0.94. Compare that with fiscal Q2 2025, the quarter ended 2025-06-30, when net income was only $1.0 million and diluted EPS $0.01. Full-year fiscal 2025, the year ended 2025-12-31, net income was $181.3 million, or $2.07 per diluted share, down from $195.5 million, or $3.27, in fiscal 2024, the year ended 2024-12-31. The Lynch category is STALWART on a five-year 16.7% profit growth calculation, but the 4/9 Piotroski score and 51/100 FairStock score tell me the balance sheet and earnings quality need more proof. For a bank, I would want CET1, net interest margin, charge-offs, nonperforming assets, and reserve coverage; those are not in the data. Without them, I call it fair to mildly cheap, not a clear bargain.

In plain English: Renasant is a regional bank that takes deposits and makes loans, and also offers wealth management. It is profitable, pays a decent dividend, and the stock trades a little below what its accounting value suggests, but earnings have swung around a lot recently. Overall the price looks mildly cheap to fair against the numbers, not an obvious steal.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer