RENASANT CORP(RNST)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
RENASANT CORP (RNST) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores RNST at 72.9/100 on a 32-signal composite quality model, placing it at rank #143 of 2,960 stocks — the top 5% of the AI-ranked universe. RNST scores in the top quartile across institutional flow (93.4), profitability (91.7), free cash flow (89.3). Shareholder dilution risk is elevated at 42.0/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), RENASANT CORP reports quarterly revenue of $273.9M, net income of $87.1M, an operating margin of 39.7%. Top institutional holders of RNST by reported 13-F value include BlackRock, WELLINGTON MANAGEMENT GROUP LLP, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. RNST trades on the NYSE exchange and files with the SEC under CIK 715072. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate RNST daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for RENASANT CORP directly from SEC EDGAR.
AI Quality Score
72.9/100
AI Rank
#143
Revenue
$273.9M
Net Income
$87.1M
Free Cash Flow
$76.4M
Operating Margin
39.7%
RNST key financials by period
RENASANT CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$985.8M
$181.3M
23.0%
FY 2024
10-K
$715.9M
$195.5M
34.2%
FY 2023
10-K
$632.4M
$144.7M
28.0%
FY 2022
10-K
$630.6M
$166.1M
33.5%
FY 2021
10-K
$651.0M
$175.9M
34.2%
FY 2020
10-K
$662.3M
$83.7M
15.6%
Institutions holding RNST
Institutional investors reporting a position in RENASANT CORP on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-05 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income rebounded to $87.1M ($0.94 diluted EPS) from $1.0M a year ago as credit provision fell to $3.8M and merger expenses went to zero.
Biggest Revenue Drivers
Net interest income$222.8M+1.8% YoY
Federal Reserve rate cuts in late 2025 lowered funding costs; addition of The First's loan portfolio and organic loan growth
Total noninterest income$51.2M+5.9% YoY
Focus on developing fee-generating products to diversify revenue sources
Biggest Revenue Drivers
Total revenue: $340.4M total interest income-1.0% YoY
Net interest income$222.8M+1.8% YoY
Federal Reserve rate cuts in late 2025 lowered funding costs; addition of The First's loan portfolio and organic loan growth
Total noninterest income$51.2M+5.9% YoY
Focus on developing fee-generating products to diversify revenue sources
Within Total noninterest income
Service charges on deposit accounts$14.5M+6.6% YoY
Mortgage banking income$9.2M-18.5% YoY
Originations of mortgage loans to be sold fell to $410.4M from $491.6M
Wealth management revenue$9.1M+23.5% YoY
Assets under management or administration were $7.65B versus $7.35B a year earlier
Largest Expense Items
Salaries and employee benefits$96.2M-3.3% YoY
Cost savings driven primarily by synergies realized from the acquisition of The First
Net occupancy and equipment$18.0M+3.8% YoY
Filing gives no specific driver for the quarter
Intangible amortization$8.4M-5.8% YoY
Core deposit intangible amortization of $7.8M on a $242.1M gross core deposit intangible
Merger and conversion related expenses$0-100% YoY
No transaction costs incurred in the quarter versus $20.5M in Q2 2025 for The First merger
Margins: Net interest margin was 3.83% on a tax-equivalent basis, down 2 basis points from 3.85%, as lower asset yields offset a drop in deposit costs to 1.96% from 2.12%. Efficiency ratio improved to 57.92% from 67.59%.
Watch Items from the Filing
Disclosure controls are not effective: a material weakness in manual journal entry segregation of duties from the 2025 Form 10-K remains unremediated pending testing.
Nonperforming loans rose to $186.5M, or 0.97% of total loans, from 0.92% at December 31, 2025; ACL coverage of nonperforming loans fell to 158.73% from 204.97%.
Non-owner occupied commercial mortgage term loans are the largest concentration at $6.1B, 31.90% of total loans; senior housing is 7.75% non-performing and non-medical office 3.10%.
Provision for credit losses was $1.2M on loans (0.02% of average loans annualized) versus $75.4M a year ago, which included the Day 1 merger provision; ACL is 1.54% of loans.
Capital actions: 3,451,319 shares repurchased in the first half at $39.54 average, $101.8M remaining authorization, plus $300M of 6.25% subordinated notes due 2036 issued in May 2026.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
