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24.44 (1y: +60%)
Market Cap 609.4 M P/E(ttm) 21.80
Enterprise Value 773.41 M P/B 1.24
RNST- NAS (USA)
Renasant Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$24.44
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry		 vs
history
Cash to Debt 0.804
RNST's Cash to Debt is ranked higher than
53% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. RNST: 0.804 )
RNST' s 10-Year Cash to Debt Range
Min: 0.11   Max: 2.31
Current: 0.8
0.11
2.31
Equity to Asset 0.074
RNST's Equity to Asset is ranked lower than
72% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. RNST: 0.074 )
RNST' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.07
0.06
0.11
Interest Coverage No Debt
RNST's Interest Coverage is ranked lower than
61% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. RNST: No Debt )
RNST' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.34
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry		 vs
history
Operating margin (%) 16.60
RNST's Operating margin (%) is ranked lower than
64% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. RNST: 16.60 )
RNST' s 10-Year Operating margin (%) Range
Min: 15.5   Max: 32
Current: 16.6
15.5
32
Net-margin (%) 13.2
RNST's Net-margin (%) is ranked lower than
64% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. RNST: 13.2 )
RNST' s 10-Year Net-margin (%) Range
Min: 11.8   Max: 22.7
Current: 13.2
11.8
22.7
ROE (%) 5.3
RNST's ROE (%) is ranked lower than
57% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. RNST: 5.3 )
RNST' s 10-Year ROE (%) Range
Min: 4.5   Max: 13.2
Current: 5.3
4.5
13.2
ROA (%) 0.6
RNST's ROA (%) is ranked lower than
56% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. RNST: 0.6 )
RNST' s 10-Year ROA (%) Range
Min: 0.5   Max: 1.3
Current: 0.6
0.5
1.3
Revenue Growth (%) 2.1
RNST's Revenue Growth (%) is ranked higher than
70% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RNST: 2.1 )
RNST' s 10-Year Revenue Growth (%) Range
Min: -2.5   Max: 8.5
Current: 2.1
-2.5
8.5
EBITDA Growth (%) 1.1
RNST's EBITDA Growth (%) is ranked higher than
64% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RNST: 1.1 )
RNST' s 10-Year EBITDA Growth (%) Range
Min: -13.7   Max: 17.3
Current: 1.1
-13.7
17.3
EPS Growth (%) 5.1
RNST's EPS Growth (%) is ranked higher than
69% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RNST: 5.1 )
RNST' s 10-Year EPS Growth (%) Range
Min: -15.5   Max: 15.8
Current: 5.1
-15.5
15.8
ยป RNST's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades
Q2 2012

RNST Guru Trades in Q2 2012

Jim Simons 19,900 sh (New)
» More
Q3 2012

RNST Guru Trades in Q3 2012

Jim Simons 43,700 sh (+119.6%)
» More
Q4 2012

RNST Guru Trades in Q4 2012

Jim Simons 58,000 sh (+32.72%)
» More
Q1 2013

RNST Guru Trades in Q1 2013

Jim Simons 86,900 sh (+49.83%)
» More
» Details

Insider Trades

Latest Guru Trades with RNST



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 21.80
RNST's P/E(ttm) is ranked lower than
81% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. RNST: 21.80 )
RNST' s 10-Year P/E(ttm) Range
Min: 8.02   Max: 23.14
Current: 21.8
8.02
23.14
P/B 1.24
RNST's P/B is ranked lower than
71% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. RNST: 1.24 )
RNST' s 10-Year P/B Range
Min: 0.45   Max: 2.13
Current: 1.24
0.45
2.13
P/S 3.03
RNST's P/S is ranked lower than
64% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. RNST: 3.03 )
RNST' s 10-Year P/S Range
Min: 1.1   Max: 3.91
Current: 3.03
1.1
3.91
PFCF 4.42
RNST's PFCF is ranked higher than
64% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. RNST: 4.42 )
RNST' s 10-Year PFCF Range
Min: 2.14   Max: 39.77
Current: 4.42
2.14
39.77
EV-to-EBIT 21.62
RNST's EV-to-EBIT is ranked lower than
68% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. RNST: 21.62 )
RNST' s 10-Year EV-to-EBIT Range
Min: 4.6   Max: 45.6
Current: 21.62
4.6
45.6
Shiller P/E 19.79
RNST's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. RNST: 19.79 )
RNST' s 10-Year Shiller P/E Range
Min: 5.38   Max: 21.48
Current: 19.79
5.38
21.48

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.78
RNST's Dividend Yield is ranked higher than
75% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. RNST: 2.78 )
RNST' s 10-Year Dividend Yield Range
Min: 1.92   Max: 8.06
Current: 2.78
1.92
8.06
Dividend Payout 0.8
RNST's Dividend Payout is ranked lower than
87% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. RNST: 0.8 )
RNST' s 10-Year Dividend Payout Range
Min: 0.34   Max: 0.78
Current: 0.8
0.34
0.78
Yield on cost (5-Year) 2.80
RNST's Yield on cost (5-Year) is ranked higher than
74% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. RNST: 2.80 )
RNST' s 10-Year Yield on cost (5-Year) Range
Min: 1.92   Max: 8.06
Current: 2.8
1.92
8.06
Share Buyback Rate -4.4
RNST's Share Buyback Rate is ranked lower than
72% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.30 vs. RNST: -4.4 )
RNST' s 10-Year Share Buyback Rate Range
Min: 2.5   Max: -10.1
Current: -4.4

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 2
RNST's Price/Tangible Book is ranked lower than
88% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. RNST: 2 )
RNST' s 10-Year Price/Tangible Book Range
Min: 0.9   Max: 3.1
Current: 2
0.9
3.1
Price/DCF (Projected) 0.5
RNST's Price/DCF (Projected) is ranked higher than
68% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. RNST: 0.5 )
RNST' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 0.9
Current: 0.5
0.4
0.9
Price/Median PS Value 1.2
RNST's Price/Median PS Value is ranked lower than
66% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. RNST: 1.2 )
RNST' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.4
Current: 1.2
0.6
1.4
Price/Graham Number 1.4
RNST's Price/Graham Number is ranked lower than
89% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RNST: 1.4 )
RNST' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.6
Current: 1.4
0.6
1.6
Earnings Yield (Greenblatt) 4.60
RNST's Earnings Yield (Greenblatt) is ranked lower than
55% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. RNST: 4.60 )
RNST' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 21.7
Current: 4.6
2.2
21.7
Forward Rate of Return (Yacktman) 9.24
RNST's Forward Rate of Return (Yacktman) is ranked higher than
62% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. RNST: 9.24 )
RNST' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.6   Max: 27.1
Current: 9.24
-0.6
27.1

Business Description

Renasant Corporation is a Mississippi corporation incorporated in 1982. It is a bank holding company, which owns and operates Renasant Bank, a chartered bank with operations in Mississippi, Tennessee and Alabama, and Renasant Insurance, Inc., a wholly-owned subsidiary of Renasant Bank with operations in Mississippi. The company offers a diversified range of financial and insurance services to its retail and commercial customers through its full service offices located throughout north and north central Mississippi, west and middle Tennessee and north and north central Alabama. Its internal reporting process is organized into four segments that account for the company's main activities: the delivery of financial services through its community banks in Mississippi, Tennessee and Alabama and the delivery of insurance services through its insurance agency. All of its business activities are conducted through, and substantially all of its assets and revenues are derived from, the bank, which is a community bank offering a complete range of banking and financial services to individuals and to small to medium-size businesses. These services include checking and savings accounts, business and personal loans, interim construction and residential mortgage loans, student loans, equipment leasing, as well as safe deposit and night depository facilities. Automated teller machines are located throughout its market area. The company's Internet Banking product and its call center also provide 24-hour banking services. Accounts receivable financing is also available to qualified businesses. Its construction loan portfolio consists of loans for the construction of single family residential properties, multi-family properties and commercial projects. It offers both first and second mortgages on residential real estate and loans for the preparation of residential real property prior to construction. In addition, it offers home equity lines of credit and term loans secured by first and second mortgages on the residences of borrowers for purchases, refinances, home improvements, education and other personal expenditures. Both fixed and variable rate loans are offered with competitive terms and fees. The company offers commercial real estate loans to developers of commercial properties for purposes of site acquisition and preparation and other development prior to actual construction. In addition, loans in which the owner develops a property with the intention of occupying it are also included in commercial real estate loans. It offers a range of deposit services and products to its consumer and commercial clients. Through its community branch networks, it offers totally free consumer checking accounts with free Internet banking with bill pay and free debit cards, interest bearing checking, money market accounts and savings accounts. Through the Financial Services division of the bank, it also offers a variety of fiduciary services and administer retir
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for RNST

Headlines

Articles On GuruFocus.com
The Highest Dividends at March 12, 2012 Mar 09 2012 
Renasant Corp. Reports Operating Results (10-Q) Nov 09 2010 
Renasant Corp. Reports Operating Results (10-Q) May 10 2010 
Undervalued Predictable Portfolio Review; Winners: Whole Foods Market Inc., NBTY Inc., Lamar Adverti Jan 06 2010 
Renasant Corp. Reports Operating Results (10-Q) Aug 10 2009 
Renasant Corp. Reports Operating Results (10-Q) May 11 2009 

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