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Upturn AI SWOT - About
RNST 
Renasant Corporation (RNST)
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Upturn Advisory Summary
03/27/2025: RNST (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 1.98% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.16B USD | Price to earnings Ratio 10.38 | 1Y Target Price 43.83 |
Price to earnings Ratio 10.38 | 1Y Target Price 43.83 | ||
Volume (30-day avg) 629001 | Beta 1.04 | 52 Weeks Range 27.24 - 39.38 | Updated Date 03/31/2025 |
52 Weeks Range 27.24 - 39.38 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 2.59% | Basic EPS (TTM) 3.27 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.66% | Operating Margin (TTM) 32.55% |
Management Effectiveness
Return on Assets (TTM) 1.1% | Return on Equity (TTM) 7.86% |
Valuation
Trailing PE 10.38 | Forward PE 12.48 | Enterprise Value 1649196032 | Price to Sales(TTM) 3.06 |
Enterprise Value 1649196032 | Price to Sales(TTM) 3.06 | ||
Enterprise Value to Revenue 4.05 | Enterprise Value to EBITDA - | Shares Outstanding 63733200 | Shares Floating 61850209 |
Shares Outstanding 63733200 | Shares Floating 61850209 | ||
Percent Insiders 2.06 | Percent Institutions 94.36 |
Analyst Ratings
Rating 3.83 | Target Price 41.17 | Buy 3 | Strong Buy 1 |
Buy 3 | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Renasant Corporation
Company Overview
History and Background
Renasant Corporation was founded in 1904 in Tupelo, Mississippi, as the Bank of Pontotoc. It has grown through organic expansion and acquisitions to become a regional financial institution operating in the Southeastern United States.
Core Business Areas
- Community Banking: Provides a range of banking services, including checking and savings accounts, loans, and other financial products, to individuals and businesses.
- Wealth Management: Offers wealth management, trust, and investment services to individuals, families, and institutions.
- Insurance: Provides property and casualty insurance, as well as other insurance products, to individuals and businesses.
- Mortgage Lending: Provides mortgage origination and servicing to individuals.
Leadership and Structure
Renasant Corporation is led by a Board of Directors and a senior management team. The organizational structure includes various departments responsible for different aspects of the business, such as lending, operations, finance, and marketing.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers term loans, lines of credit, and other financing options to businesses. Competitors include Truist Financial (TFC), Regions Financial (RF), and First Horizon (FHN). Market share data is difficult to ascertain precisely, but Renasant competes within the regional banking landscape of the Southeast.
- Residential Mortgages: Provides mortgage loans for home purchases and refinancing. Competitors include Rocket Mortgage, United Wholesale Mortgage, and other regional banks. Market share data is difficult to ascertain precisely, but Renasant competes within the regional banking landscape of the Southeast.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include all other banks, credit unions and online banking service providers. Market share data is difficult to ascertain precisely, but Renasant competes within the regional banking landscape of the Southeast.
- Wealth Management: Provides investment advice and portfolio management for individuals, businesses, and retirement plans. Competitors include Raymond James Financial (RJF) and Morgan Stanley (MS). Market share data is difficult to ascertain precisely, but Renasant competes within the regional banking landscape of the Southeast.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased competition from fintech companies, and regulatory changes. The industry has been consolidating with various mergers of larger banks.
Positioning
Renasant Corporation positions itself as a community-focused bank with a strong regional presence. Its competitive advantages include its local market knowledge, customer relationships, and diversified product offerings.
Total Addressable Market (TAM)
The total addressable market (TAM) for banking services in the Southeastern United States is estimated to be in the tens of billions of dollars. Renasant Corporation is positioned to capture a portion of this market through its branch network, online banking platform, and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeastern United States
- Diversified product and service offerings
- Experienced management team
- Strong customer relationships
- Solid capital base
Weaknesses
- Smaller size compared to national banks
- Limited geographic reach compared to larger competitors
- Reliance on traditional banking channels
- Exposure to regional economic conditions
- Higher cost structure than some competitors
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking technologies
- Acquisition of smaller banks and credit unions
- Growth in wealth management and insurance services
- Increased demand for commercial lending
Threats
- Increased competition from national and online banks
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- TFC
- RF
- FHN
- WSBC
- PBCT
Competitive Landscape
Renasant competes in a fragmented regional banking market. Advantages include local market knowledge and customer relationships. Disadvantages include smaller size and limited geographic reach compared to national banks.
Major Acquisitions
Metropolitan BancGroup, Inc.
- Year: 2020
- Acquisition Price (USD millions): 452.9
- Strategic Rationale: Expanded Renasant's presence in the Atlanta, Georgia market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be based on past financial performance, expansion into new markets, and acquisitions. This data can be found in Renasant Corporation's annual reports and SEC filings.
Future Projections: Future growth projections are based on analyst estimates and company guidance. These projections can be found on financial websites and in research reports.
Recent Initiatives: Recent strategic initiatives would include any new products, services, acquisitions, or expansions undertaken by Renasant Corporation. Information on recent initiatives can be found in press releases and investor presentations.
Summary
Renasant Corporation is a solid regional bank with a strong presence in the Southeast. Its diversified product offerings and customer relationships are working well, but it faces challenges from larger competitors and regulatory changes. Future growth will depend on its ability to expand into new markets, adopt digital technologies, and manage its cost structure.
Similar Companies
- TFC
- RF
- FHN
- WSBC
- PBCT
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q, 8-K)
- Financial News Websites (Yahoo Finance, Google Finance)
- Analyst Reports
- FDIC.gov
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data may be outdated and should be verified with current financial statements.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Renasant Corporation
Exchange NYSE | Headquaters Tupelo, MS, United States | ||
IPO Launch date 1992-04-24 | CEO & Executive Vice Chairman Mr. C. Mitchell Waycaster | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2200 | Website https://investors.renasant.com |
Full time employees 2200 | Website https://investors.renasant.com | ||
Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, fiduciary, and insurance services to retail and commercial customers. The company operates through Community Banks, Insurance, and Wealth Management segments. The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lending, and factoring equipment leasing services, as well as safe deposit and night depository facilities. It provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate"1-4 family mortgage; real estate"commercial mortgage; real estate"construction loans for the construction of single family residential properties, multi-family properties, and commercial projects; installment loans to individuals; and interim construction loans, as well as automated teller machine (ATM), online and mobile banking, call center, and treasury management services. The Insurance segment provides insurance agency services, such as commercial and personal insurance products through insurance carriers. The Wealth Management segment offers a range of wealth management and fiduciary services, including administration and management of trust accounts, such as personal and corporate benefit accounts, and custodial accounts, as well as accounting and money management for trust accounts; annuities, mutual funds, and other investment services through a third party broker-dealer; administrative and compliance services; and qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates. The company was founded in 1904 and is headquartered in Tupelo, Mississippi.
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