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Upturn AI Summary - About
Renasant Corporation(RNST)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RNST
10/23/2026: RNST (2-star) is currently NOT-A-BUY. Pass it for now.
Renasant Corporation is a regional financial holding company primarily serving the Southeastern United States through a network of community-focused banking, mortgage, and wealth management services. The company's main strength lies in its long-standing community relationships and a diversified revenue model that includes significant fee-based income. Its primary growth opportunity centers on expanding within high-growth urban markets in the Southeast and enhancing its digital banking capabilities. However, investors must consider risks such as geographic economic concentration, interest rate sensitivity, and intense competition from large national banks. Renasant is suited for income-focused and value-oriented investors who value steady dividend payouts and regional economic exposure, though careful monitoring of margin trends is advisable.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is moderate and tied to regional economic cycles rather than rapid, scalable expansion. |
| Momentum investor | Weak fit | The stock typically tracks broad financial sector sentiment rather than aggressive short-term momentum. |
| Value investor | Strong fit | Regional banks often trade at reasonable price-to-book and price-to-earnings ratios suitable for value strategies. |
| Dividend investor | Strong fit | Renasant provides consistent dividend payouts attractive to income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the stock is subject to interest rate volatility and general economic risk inherent to banking. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Financial stocks are highly sensitive to interest rate expectations and economic outlooks. |
| Valuation risk | Medium | Valuations fluctuate based on investor sentiment toward the regional banking sector. |
| Competition risk (traditional banking) | High | Intense competition from larger national banks puts pressure on margins and customer retention. |
| Business quality | Medium | The business has a solid, established franchise but faces inherent cyclicality. |
| Dividend income | Medium | Dividends are reliable but depend on the bank's earnings health and capital requirements. |
| Execution risk | Medium | Successful management of loan portfolios and integration of acquisitions is vital for performance. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 1.21% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.80B USD | Price to earnings Ratio 12.3 | 1Y Target Price 47.71 |
Price to earnings Ratio 12.3 | 1Y Target Price 47.71 | ||
Volume (30-day avg) 734.7K shares | Beta 1.03 | 52 Weeks Range 32.25 - 44.28 | Updated Date 10/24/2026 |
52 Weeks Range 32.25 - 44.28 | Updated Date 10/24/2026 | ||
Dividends yield (FY) 2.22% | Basic EPS (TTM) 3.38 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits and borrowings. | This is the core engine of profit, driven by the spread between loan rates and deposit costs. |
| Non-Interest Income | Fees from mortgage banking, wealth management, insurance, and service charges. | These fees provide a necessary cushion to offset reliance on interest rates. |
| Geography | Concentrated presence in MS, TN, AL, GA, and FL. | The bank's health is closely tied to the economic prosperity and population growth of the Southeastern US. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When After Market | Estimate 0.94 | Actual - |
Profitability
Profit Margin 29.56% | Operating Margin (TTM) 43.48% |
Management Effectiveness
Return on Assets (TTM) 1.17% | Return on Equity (TTM) 8.21% |
Valuation
Trailing PE 12.3 | Forward PE 10.42 | Enterprise Value 4.03B | Price to Sales(TTM) 3.58 |
Enterprise Value 4.03B | Price to Sales(TTM) 3.58 | ||
Enterprise Value to Revenue 4.33 | Enterprise Value to EBITDA - | Shares Outstanding 91.40M | Shares Floating 89.48M |
Shares Outstanding 91.40M | Shares Floating 89.48M | ||
Percent Insiders 1.86 | Percent Institutions 92.55 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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