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Upturn AI SWOT - About
RNST 
Renasant Corporation (RNST)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
12/01/2025: 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.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $42.43
1 Year Target Price $42.43
| 2 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.6% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.42B USD | Price to earnings Ratio 19.12 | 1Y Target Price 42.43 |
Price to earnings Ratio 19.12 | 1Y Target Price 42.43 | ||
Volume (30-day avg) 6 | Beta 1 | 52 Weeks Range 26.65 - 40.17 | Updated Date 12/1/2025 |
52 Weeks Range 26.65 - 40.17 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 2.48% | Basic EPS (TTM) 1.88 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.97% | Operating Margin (TTM) 39.28% |
Management Effectiveness
Return on Assets (TTM) 0.66% | Return on Equity (TTM) 4.54% |
Valuation
Trailing PE 19.12 | Forward PE 10.12 | Enterprise Value 3491916800 | Price to Sales(TTM) 4.41 |
Enterprise Value 3491916800 | Price to Sales(TTM) 4.41 | ||
Enterprise Value to Revenue 5.18 | Enterprise Value to EBITDA - | Shares Outstanding 95021382 | Shares Floating 93145660 |
Shares Outstanding 95021382 | Shares Floating 93145660 | ||
Percent Insiders 1.64 | Percent Institutions 89.68 |
Upturn AI SWOT
Renasant Corporation
Company Overview
History and Background
Renasant Corporation was founded in 1904 in Tupelo, Mississippi, as a community bank. Over the years, it has grown through strategic acquisitions and organic expansion to become a regional financial services provider.
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 services such as investment management, financial planning, and trust services.
- Insurance: Provides insurance products through its Renasant Insurance division.
Leadership and Structure
Renasant Corporation is led by a board of directors and an executive management team. The organizational structure is designed to support its various business lines and regional operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue driver. Market share data is based on the regional presence within the Southeast US, with competition from larger national and regional banks like Truist (TFC), Regions Financial (RF), and Fifth Third Bancorp (FITB).
- Mortgage Lending: Mortgage lending serves both residential and commercial clients. Competition includes major banks and mortgage specialists like Rocket Companies (RKT) and UWM Holdings Corporation (UWMC). Market share data is limited to regions they serve.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors are Bank of America (BAC), Wells Fargo (WFC), and local credit unions. Market share aligns with their branch footprint.
Market Dynamics
Industry Overview
The banking industry is currently influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Competition is fierce with both large national banks and smaller community banks vying for market share.
Positioning
Renasant positions itself as a relationship-focused bank that provides personalized service and local expertise. Its competitive advantages include a strong presence in the Southeast US and a diversified range of financial services.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast US is estimated to be in the tens of billions of dollars. Renasant's market share is a smaller percentage of this, indicating growth opportunities within its current footprint.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast US
- Diversified revenue streams through banking, wealth management, and insurance
- Experienced management team
- Focus on relationship banking
Weaknesses
- Smaller scale compared to national banks
- Limited geographic diversification
- Reliance on regional economy
- Higher efficiency ratio compared to peers
Opportunities
- Expanding into new markets within the Southeast US
- Increasing wealth management and insurance offerings
- Leveraging technology to enhance customer experience
- Acquiring smaller community banks
Threats
- Interest rate volatility
- Increased competition from fintech companies
- Economic downturn in the Southeast US
- Regulatory changes
Competitors and Market Share
Key Competitors
- RF
- FITB
- CADE
- IBOC
Competitive Landscape
Renasant faces competition from larger regional and national banks. Its advantages include a strong regional presence and personalized service. Disadvantages include smaller scale and limited geographic diversification.
Major Acquisitions
Heritage Financial Group, Inc.
- Year: 2021
- Acquisition Price (USD millions): 146.3
- Strategic Rationale: Expansion into new markets and strengthening of its footprint in existing markets.
Growth Trajectory and Initiatives
Historical Growth: Renasant has achieved growth through acquisitions and organic expansion, primarily within the Southeast US.
Future Projections: Analysts estimate continued growth in revenue and earnings, driven by loan growth and expansion of wealth management services. The company is expected to earn ~$2.75 EPS in the next year (hypothetical).
Recent Initiatives: Recent initiatives include investments in technology to improve customer service and expansion into new markets in the Southeast.
Summary
Renasant Corporation is a regional bank with a strong presence in the Southeast US. Its diversified revenue streams and focus on relationship banking are working well. However, it needs to watch out for interest rate volatility, competition from fintech, and regulatory changes. The company shows good steady financial growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Market Research Reports
- Company Investor Relations
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly. This analysis provides sample data and is not comprehensive. Values and Ratings are hypothetical for demonstration purposes only. Readers should conduct their own research before making any investment decisions.
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 | President, CEO & Director Mr. Kevin D. Chapman | ||
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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