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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’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 0.46
NAS:RNST's Cash to Debt is ranked lower than
75% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. NAS:RNST: 0.46 )
Ranked among companies with meaningful Cash to Debt only.
NAS:RNST' s Cash to Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.8 Max: 2.85
Current: 0.46
0.11
2.85
Equity to Asset 0.14
NAS:RNST's Equity to Asset is ranked higher than
76% of the 1608 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:RNST: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
NAS:RNST' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.11 Max: 0.14
Current: 0.14
0.1
0.14
Interest Coverage 4.82
NAS:RNST's Interest Coverage is ranked higher than
80% of the 1529 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. NAS:RNST: 4.82 )
Ranked among companies with meaningful Interest Coverage only.
NAS:RNST' s Interest Coverage Range Over the Past 10 Years
Min: 0.34  Med: 1.07 Max: 4.82
Current: 4.82
0.34
4.82
F-Score: 3
M-Score: -2.66
WACC vs ROIC
8.25%
6.29%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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 : 7/10

vs
industry
vs
history
Operating margin (%) 30.98
NAS:RNST's Operating margin (%) is ranked lower than
51% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. NAS:RNST: 30.98 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:RNST' s Operating margin (%) Range Over the Past 10 Years
Min: 15.53  Med: 21.8 Max: 30.98
Current: 30.98
15.53
30.98
Net-margin (%) 20.75
NAS:RNST's Net-margin (%) is ranked lower than
57% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.44 vs. NAS:RNST: 20.75 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:RNST' s Net-margin (%) Range Over the Past 10 Years
Min: 11.79  Med: 15.36 Max: 21.05
Current: 20.75
11.79
21.05
ROE (%) 8.13
NAS:RNST's ROE (%) is ranked lower than
53% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. NAS:RNST: 8.13 )
Ranked among companies with meaningful ROE (%) only.
NAS:RNST' s ROE (%) Range Over the Past 10 Years
Min: 4.57  Med: 6.61 Max: 9.54
Current: 8.13
4.57
9.54
ROA (%) 1.09
NAS:RNST's ROA (%) is ranked higher than
64% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NAS:RNST: 1.09 )
Ranked among companies with meaningful ROA (%) only.
NAS:RNST' s ROA (%) Range Over the Past 10 Years
Min: 0.5  Med: 0.74 Max: 1.09
Current: 1.09
0.5
1.09
Revenue Growth (3Y)(%) 7.80
NAS:RNST's Revenue Growth (3Y)(%) is ranked higher than
64% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. NAS:RNST: 7.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:RNST' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.3  Med: 5.3 Max: 11.7
Current: 7.8
-3.3
11.7
EBITDA Growth (3Y)(%) 19.40
NAS:RNST's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. NAS:RNST: 19.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:RNST' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.8  Med: 3.7 Max: 23.6
Current: 19.4
-17.8
23.6
EPS Growth (3Y)(%) 21.20
NAS:RNST's EPS Growth (3Y)(%) is ranked higher than
79% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NAS:RNST: 21.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:RNST' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.2  Med: 5.2 Max: 22.6
Current: 21.2
-20.2
22.6
GuruFocus has detected 2 Warning Signs with Renasant Corp $NAS:RNST.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:RNST's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2016

RNST Guru Trades in Q1 2016

Jim Simons 815,339 sh (+9.07%)
Ken Fisher 107,492 sh (unchged)
RS Investment Management 537,989 sh (-27.14%)
» More
Q2 2016

RNST Guru Trades in Q2 2016

Jim Simons 828,049 sh (+1.56%)
RS Investment Management 537,799 sh (-0.04%)
Ken Fisher 95,582 sh (-11.08%)
» More
Q3 2016

RNST Guru Trades in Q3 2016

Jim Simons 793,239 sh (-4.20%)
Ken Fisher 71,451 sh (-25.25%)
» More
Q4 2016

RNST Guru Trades in Q4 2016

Ken Fisher 34,165 sh (-52.18%)
» More
» Details

Insider Trades

Latest Guru Trades with RNST

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BNCN, NAS:NBTB, AMEX:PRK, NAS:FFBC, NAS:INDB, NAS:WSBC, NYSE:YDKN, NYSE:FCB, NAS:SFNC, NAS:BANR, NAS:SFBS, NAS:LTXB, NAS:UCBI, NAS:TOWN, NAS:ABCB, NAS:BANF, NAS:WABC, NAS:UBSH, NAS:EGBN, NAS:CBF » details
Traded in other countries:RN6.Germany,
Renasant Corp owns and operates Renasant Bank, a Mississippi banking association with operations in Mississippi, Tennessee, Alabama and Georgia. It provides banking & insurnace services.

Renasant Corp is a Mississippi corporation incorporated in 1982. It owns and operates Renasant Bank, a Mississippi banking association with operations in Mississippi, Tennessee, Alabama and Georgia. The Company has three reportable segments: a Community Banks segment, an Insurance segment and a Wealth Management segment. Substantially all of its business activities are conducted through, the operations of its community banks, which offer a 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 loans, equipment leasing, as well as safe deposit and night depository facilities. Automated teller machines are located throughout its market area. Its Online and Mobile Banking products and its call center also provides 24-hour banking services. Accounts receivable financing is also available to qualified businesses. As of February 28, 2014, it had 115 banking and financial services offices located throughout its markets in north and north central Mississippi, Tennessee, north and central Alabama and north Georgia. Through the Wealth Management segment, it offers a wide variety of fiduciary services and administer (as trustee or in other fiduciary or representative capacities) qualified retirement plans, profit sharing and other employee benefit plans, personal trusts and estates. In addition, the Wealth Management segment offers annuities, mutual funds and other investment services through a third party broker-dealer. Wealth Management operations are headquartered in Tupelo, Mississippi, and Birmingham, Alabama, but its products and services are available to customers in all of its markets through its community banks. Its insurance segment offers all lines of commercial and personal insurance through carriers. The Company competes with state, regional and national banks in all of its service areas, as well as savings and loan associations, credit unions, finance companies, mortgage companies, insurance companies, brokerage firms and investment companies. The Company is subject to supervision, regulation and examination by the Board of Governors of the Federal Reserve System.

Ratios

vs
industry
vs
history
P/E(ttm) 18.33
RNST's P/E(ttm) is ranked lower than
66% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. RNST: 18.33 )
Ranked among companies with meaningful P/E(ttm) only.
RNST' s P/E(ttm) Range Over the Past 10 Years
Min: 8.11  Med: 16.19 Max: 26.78
Current: 18.33
8.11
26.78
Forward P/E 16.92
RNST's Forward P/E is ranked lower than
60% of the 366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.41 vs. RNST: 16.92 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.33
RNST's PE(NRI) is ranked lower than
66% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. RNST: 18.33 )
Ranked among companies with meaningful PE(NRI) only.
RNST' s PE(NRI) Range Over the Past 10 Years
Min: 8.11  Med: 16.19 Max: 26.78
Current: 18.33
8.11
26.78
Price/Owner Earnings (ttm) 19.10
RNST's Price/Owner Earnings (ttm) is ranked lower than
66% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.64 vs. RNST: 19.10 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
RNST' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.76  Med: 17.52 Max: 35.73
Current: 19.1
8.76
35.73
P/B 1.36
RNST's P/B is ranked lower than
62% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. RNST: 1.36 )
Ranked among companies with meaningful P/B only.
RNST' s P/B Range Over the Past 10 Years
Min: 0.44  Med: 1.17 Max: 1.98
Current: 1.36
0.44
1.98
P/S 3.79
RNST's P/S is ranked lower than
59% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. RNST: 3.79 )
Ranked among companies with meaningful P/S only.
RNST' s P/S Range Over the Past 10 Years
Min: 1.09  Med: 2.77 Max: 7.39
Current: 3.79
1.09
7.39
PFCF 14.70
RNST's PFCF is ranked lower than
57% of the 823 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. RNST: 14.70 )
Ranked among companies with meaningful PFCF only.
RNST' s PFCF Range Over the Past 10 Years
Min: 2.14  Med: 5.99 Max: 200.12
Current: 14.7
2.14
200.12
POCF 13.62
RNST's POCF is ranked lower than
60% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. RNST: 13.62 )
Ranked among companies with meaningful POCF only.
RNST' s POCF Range Over the Past 10 Years
Min: 2.03  Med: 5.57 Max: 32.03
Current: 13.62
2.03
32.03
EV-to-EBIT 15.23
RNST's EV-to-EBIT is ranked lower than
60% of the 1216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. RNST: 15.23 )
Ranked among companies with meaningful EV-to-EBIT only.
RNST' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.8  Med: 15.5 Max: 56.6
Current: 15.23
5.8
56.6
EV-to-EBITDA 14.96
RNST's EV-to-EBITDA is ranked lower than
64% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.20 vs. RNST: 14.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
RNST' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.6  Med: 15 Max: 48.7
Current: 14.96
5.6
48.7
PEG 0.98
RNST's PEG is ranked higher than
61% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. RNST: 0.98 )
Ranked among companies with meaningful PEG only.
RNST' s PEG Range Over the Past 10 Years
Min: 0.62  Med: 1.83 Max: 36.06
Current: 0.98
0.62
36.06
Shiller P/E 26.24
RNST's Shiller P/E is ranked lower than
66% of the 484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.92 vs. RNST: 26.24 )
Ranked among companies with meaningful Shiller P/E only.
RNST' s Shiller P/E Range Over the Past 10 Years
Min: 5.7  Med: 14.19 Max: 29.55
Current: 26.24
5.7
29.55

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.79
RNST's Dividend Yield is ranked lower than
70% of the 2358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. RNST: 1.79 )
Ranked among companies with meaningful Dividend Yield only.
RNST' s Dividend Yield Range Over the Past 10 Years
Min: 1.59  Med: 2.99 Max: 8.06
Current: 1.79
1.59
8.06
Dividend Payout 0.33
RNST's Dividend Payout is ranked higher than
84% of the 1314 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. RNST: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
RNST' s Dividend Payout Range Over the Past 10 Years
Min: 0.33  Med: 0.53 Max: 0.78
Current: 0.33
0.33
0.78
Dividend Growth (3y) 1.40
RNST's Dividend Growth (3y) is ranked lower than
74% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. RNST: 1.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
RNST' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 5.4 Max: 15.3
Current: 1.4
0
15.3
Forward Dividend Yield 1.82
RNST's Forward Dividend Yield is ranked lower than
73% of the 2268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.77 vs. RNST: 1.82 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.84
RNST's Yield on cost (5-Year) is ranked lower than
76% of the 2640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. RNST: 1.84 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
RNST' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.64  Med: 3.08 Max: 8.3
Current: 1.84
1.64
8.3
3-Year Average Share Buyback Ratio -10.40
RNST's 3-Year Average Share Buyback Ratio is ranked lower than
76% of the 1049 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. RNST: -10.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
RNST' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -17  Med: -7.2 Max: 3.5
Current: -10.4
-17
3.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.26
RNST's Price/Tangible Book is ranked lower than
84% of the 1600 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. RNST: 2.26 )
Ranked among companies with meaningful Price/Tangible Book only.
RNST' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.9  Med: 1.85 Max: 3.08
Current: 2.26
0.9
3.08
Price/Projected FCF 0.53
RNST's Price/Projected FCF is ranked higher than
75% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. RNST: 0.53 )
Ranked among companies with meaningful Price/Projected FCF only.
RNST' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.36  Med: 0.57 Max: 1.14
Current: 0.53
0.36
1.14
Price/Median PS Value 1.37
RNST's Price/Median PS Value is ranked lower than
71% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. RNST: 1.37 )
Ranked among companies with meaningful Price/Median PS Value only.
RNST' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.62  Med: 1.15 Max: 2.01
Current: 1.37
0.62
2.01
Price/Peter Lynch Fair Value 0.73
RNST's Price/Peter Lynch Fair Value is ranked higher than
76% of the 402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. RNST: 0.73 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
RNST' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.73  Med: 1.36 Max: 3.3
Current: 0.73
0.73
3.3
Price/Graham Number 1.35
RNST's Price/Graham Number is ranked lower than
77% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. RNST: 1.35 )
Ranked among companies with meaningful Price/Graham Number only.
RNST' s Price/Graham Number Range Over the Past 10 Years
Min: 0.63  Med: 1.14 Max: 1.77
Current: 1.35
0.63
1.77
Earnings Yield (Greenblatt) (%) 6.60
RNST's Earnings Yield (Greenblatt) (%) is ranked higher than
55% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. RNST: 6.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RNST' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.8  Med: 6.5 Max: 17.1
Current: 6.6
1.8
17.1
Forward Rate of Return (Yacktman) (%) 37.19
RNST's Forward Rate of Return (Yacktman) (%) is ranked higher than
87% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. RNST: 37.19 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RNST' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 3.2  Med: 14.4 Max: 40.1
Current: 37.19
3.2
40.1

More Statistics

Revenue (TTM) (Mil) $438.2
EPS (TTM) $ 2.16
Beta0.91
Short Percentage of Float3.33%
52-Week Range $29.49 - 44.65
Shares Outstanding (Mil)44.35

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.34 2.60
EPS w/o NRI ($) 2.34 2.60
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.72 0.74
» More Articles for RNST

Headlines

Articles On GuruFocus.com
7 Cheap Stocks Based on Price-Sales Jan 18 2017 
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 
Renasant Corp. Reports Operating Results (10-Q) Aug 10 2009 
Renasant Corp. Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
RENASANT CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... Jan 19 2017
Prominent regional banks merge in $190 million deal Jan 18 2017
Edited Transcript of RNST earnings conference call or presentation 18-Jan-17 3:00pm GMT Jan 18 2017
RENASANT CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 18 2017
Renasant beats 4Q profit forecasts Jan 18 2017
Renasant beats 4Q profit forecasts Jan 18 2017
Renasant Corporation and Metropolitan BancGroup, Inc. Announce Definitive Merger Agreement Jan 17 2017
Renasant Corporation Announces 2016 Fourth Quarter And Year-End Results Jan 17 2017
ETFs with exposure to Renasant Corp. : January 17, 2017 Jan 17 2017
Q4 2016 Renasant Corp Earnings Release - After Market Close Jan 17 2017
Renasant Corp. breached its 50 day moving average in a Bearish Manner : RNST-US : January 13, 2017 Jan 13 2017
Renasant Announces 2016 Fourth Quarter and Year-end Earnings Webcast and Conference Call Information Jan 11 2017
RENASANT CORP Files SEC form 8-K, Change in Directors or Principal Officers Dec 23 2016
Renasant Closes Common Stock Offering Dec 19 2016
RENASANT CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... Dec 19 2016
Renasant Closes Common Stock Offering Dec 19 2016
Renasant Closes in on Secondary Offering Dec 14 2016
Renasant Announces Pricing of Common Stock Offering Dec 14 2016
RENASANT CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 13 2016
Renasant Announces Commencement of Common Stock Offering Dec 13 2016

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