What is the 13F Pro Quality Score for RNST?

13F Pro ranks RENASANT CORP (RNST) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View RNST's current score at https://13fpro.ai/company/RNST (free sign-up required for the full ranking).

Where does 13F Pro source RNST data?

All RENASANT CORP fundamentals and ownership data come directly from SEC EDGAR. RENASANT CORP files with the SEC under CIK 715072. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is RNST in?

RENASANT CORP (RNST) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives RNST's revenue?

Per RENASANT CORP's latest 10-Q filed with the SEC on 2026-08-05, the biggest revenue drivers are: Net interest income ($222.8M, +1.8% YoY); Total noninterest income ($51.2M, +5.9% YoY); Service charges on deposit accounts ($14.5M, +6.6% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/RNST.

What are RNST's largest expenses?

RENASANT CORP's latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($96.2M, -3.3% YoY); Net occupancy and equipment ($18.0M, +3.8% YoY); Intangible amortization ($8.4M, -5.8% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is RNST research updated on 13F Pro?

RNST's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

RENASANT CORP(RNST)Stock Analysis

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13F Pro Quality Score

72.9/100

Rank #144 of 2,961 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

88.0/100

Profitability

91.7/100

Balance Sheet

45.0/100

Earnings Quality

61.5/100

Free Cash Flow

89.3/100

Institutional Flow

93.4/100

Revenue Scale

51.6/100

Dilution Risk

42.0/100

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Why RNST Scores 73/100

exact factor attribution · 2026-09-11

RNST's composite is driven by revenue growth and profitability. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+10.1 pts

88th pct

Profitability

+8.3 pts

92th pct

Free cash flow

+5.9 pts

89th pct

Institutional flow

+2.9 pts

93th pct

Earnings growth

+2.4 pts

86th pct

Earnings quality

+1.1 pts

62th pct

Scale

+0.3 pts

52th pct

Shareholder dilution

-0.5 pts

42th pct

Capital efficiency

-0.7 pts

45th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

RNST Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for RENASANT CORP (RNST), 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 #144 of 2,961 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. RENASANT CORP's 13F Pro composite quality score has ranged between 33 and 73 since 2026, currently 72.9 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

What's Driving RNST's Business? Latest 10-Q Breakdown

✓ 27/27 datapoints verified

AI-extracted from RENASANT CORP's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$273.9M

Net Income

Q2 2026

$87.1M

Free Cash Flow

Q2 2026

$76.4M

Operating Margin

Q2 2026

39.7%

ROIC

Q2 2026

8.7%

D/E Ratio

Q2 2026

0.29

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+37.7% YoY

$985.8MFY 2025

FY22 $630.6MFY23 $632.4MFY24 $715.9MFY25 $985.8M

Net Income

-7.3% YoY

$181.3MFY 2025

FY22 $166.1MFY23 $144.7MFY24 $195.5MFY25 $181.3M

EPS (Diluted)

-36.7% YoY

$2.07FY 2025

FY22 $2.95FY23 $2.56FY24 $3.27FY25 $2.07

Total Assets

+48.3% YoY

$26.75BFY 2025

FY22 $16.99BFY23 $17.36BFY24 $18.03BFY25 $26.75B

Total Debt

+96.0% YoY

$1.06BFY 2025

FY22 $1.14BFY23 $737.0MFY24 $538.6MFY25 $1.06B

Op. Cash Flow

+155.1% YoY

$271.5MFY 2025

FY22 $574.0MFY23 $148.6MFY24 $106.4MFY25 $271.5M

Free Cash Flow

+156.3% YoY

$237.8MFY 2025

FY22 $559.2MFY23 $126.9MFY24 $92.8MFY25 $237.8M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$985.8M +37.7%	$715.9M +13.2%	$632.4M +0.3%	$630.6M -3.1%	$651.0M -1.7%	$662.3M
Net Income	$181.3M -7.3%	$195.5M +35.1%	$144.7M -12.9%	$166.1M -5.6%	$175.9M +110.3%	$83.7M
EPS (Diluted)	$2.07 -36.7%	$3.27 +27.7%	$2.56 -13.2%	$2.95 -5.4%	$3.12 +110.8%	$1.48
Total Assets	$26.75B +48.3%	$18.03B +3.9%	$17.36B +2.2%	$16.99B +1.1%	$16.81B +12.6%	$14.93B
Total Debt	$1.06B +96.0%	$538.6M -26.9%	$737.0M -35.4%	$1.14B +135.1%	$485.2M -2.2%	$496.3M
Operating Cash Flow	$271.5M +155.1%	$106.4M -28.4%	$148.6M -74.1%	$574.0M +302.4%	$142.7M +73.5%	$82.2M
Free Cash Flow	$237.8M +156.3%	$92.8M -26.9%	$126.9M -77.3%	$559.2M +357.8%	$122.1M +126.3%	$54.0M

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Available Research

13F Pro tracks comprehensive data for RENASANT CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of RNST

BlackRock, Inc.
$566.7M13,321,187 sh
WELLINGTON MANAGEMENT GROUP LLP
$245.9M5,779,920 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$245.8M5,778,684 sh
DIMENSIONAL FUND ADVISORS LP
$230.1M5,408,267 sh
STATE STREET CORP
$218.7M5,139,537 sh
VANGUARD CAPITAL MANAGEMENT LLC
$176.5M4,149,243 sh
Invesco Ltd.
$122.9M2,889,528 sh
VICTORY CAPITAL MANAGEMENT INC
$115.5M2,715,878 sh
GEODE CAPITAL MANAGEMENT, LLC
$102.5M2,408,579 sh
PRINCIPAL FINANCIAL GROUP INC
$87.1M2,047,754 sh

Fund	Value	Shares
BlackRock, Inc.	$566.7M	13,321,187
WELLINGTON MANAGEMENT GROUP LLP	$245.9M	5,779,920
VANGUARD PORTFOLIO MANAGEMENT LLC	$245.8M	5,778,684
DIMENSIONAL FUND ADVISORS LP	$230.1M	5,408,267
STATE STREET CORP	$218.7M	5,139,537
VANGUARD CAPITAL MANAGEMENT LLC	$176.5M	4,149,243
Invesco Ltd.	$122.9M	2,889,528
VICTORY CAPITAL MANAGEMENT INC	$115.5M	2,715,878
GEODE CAPITAL MANAGEMENT, LLC	$102.5M	2,408,579
PRINCIPAL FINANCIAL GROUP INC	$87.1M	2,047,754

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Is RNST a good stock to buy?

13F Pro's AI-powered analysis of RENASANT CORP (RNST) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for RNST are available on the RNST stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. RNST is classified as a mid company.

Which hedge funds own RNST?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling RNST. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of RENASANT CORP's investment landscape.