Renasant Corporation

RNST

Banks - Regional · Financial Services

Price

$43.70

-0.55 (-1.24%)

Market Cap

$4.03B

Exchange

New York Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+68.7% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 56.4M (2021) → 95.2M (2025)

Renasant Corporation is a regional bank headquartered in Tupelo, Mississippi. It offers everyday banking services like checking and savings accounts, home loans, business loans, and wealth management. The bank mainly serves individuals, families, and small to mid-sized businesses across the southeastern United States.

Renasant makes money primarily by collecting interest on loans and earning fees on banking services. It operates roughly 200 branches across Mississippi, Alabama, Tennessee, Georgia, and Florida, making it one of the larger community-focused banks in the Deep South. The bank has grown significantly through acquisitions over the years, which is both a strength and a risk — integrating acquired banks takes time and can strain operations. Its main challenge going forward is managing the pressure that higher interest rates put on borrowing demand and loan quality among its small business customers.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+51.6% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+44.6% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

2.0%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$24.0B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Renasant Corporation grew revenue 52% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

68.3%

Premium pricing power — 68.3% gross margin

Operating Margin

28.5%

Excellent — 28.5% operating margin

ROCE

2.4%

Weak — 2.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+42.2%

Fast-growing sales (42.2% YoY)

EPS YoY

-24.8%

Earnings shrinking (-24.8% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

116%

Turns 116% of profit into real cash

FCF Margin

14.5%

Converts sales into free cash efficiently (14.5%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.21

Conservative — low debt load (0.21)

Interest Cover

0.59x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

18.1x

Fair value — P/E 18.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+6.6

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (18.1 → 11.5)

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Dividends

Dividend Yield

2.14%

Moderate income — 2.14% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+4.5%

Dividend growing modestly (4.5% YoY)

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