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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.07
RNST's Cash to Debt is ranked higher than
70% of the 1736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.91 vs. RNST: 1.07 )
RNST' s 10-Year Cash to Debt Range
Min: 0.11   Max: 16.91
Current: 1.07

0.11
16.91
Equity to Asset 0.12
RNST's Equity to Asset is ranked higher than
82% of the 2309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. RNST: 0.12 )
RNST' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.12
Current: 0.12

0.09
0.12
Interest Coverage 3.61
RNST's Interest Coverage is ranked higher than
85% of the 2192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. RNST: 3.61 )
RNST' s 10-Year Interest Coverage Range
Min: 0.34   Max: 3.61
Current: 3.61

0.34
3.61
F-Score: 4
Z-Score: 0.28
WACC vs ROIC
11.94%
8.80%
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 (%) 31.06
RNST's Operating margin (%) is ranked higher than
75% of the 2420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.39 vs. RNST: 31.06 )
RNST' s 10-Year Operating margin (%) Range
Min: 15.53   Max: 31.94
Current: 31.06

15.53
31.94
Net-margin (%) 21.45
RNST's Net-margin (%) is ranked higher than
73% of the 2420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.16 vs. RNST: 21.45 )
RNST' s 10-Year Net-margin (%) Range
Min: 11.79   Max: 22.53
Current: 21.45

11.79
22.53
ROE (%) 8.75
RNST's ROE (%) is ranked higher than
74% of the 2420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.01 vs. RNST: 8.75 )
RNST' s 10-Year ROE (%) Range
Min: 4.57   Max: 13.45
Current: 8.75

4.57
13.45
ROA (%) 1.05
RNST's ROA (%) is ranked higher than
82% of the 2427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RNST: 1.05 )
RNST' s 10-Year ROA (%) Range
Min: 0.5   Max: 1.32
Current: 1.05

0.5
1.32
ROC (Joel Greenblatt) (%) 81.08
RNST's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 2386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 90.48 vs. RNST: 81.08 )
RNST' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 11.29   Max: 133.62
Current: 81.08

11.29
133.62
Revenue Growth (3Y)(%) 5.00
RNST's Revenue Growth (3Y)(%) is ranked higher than
82% of the 2096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. RNST: 5.00 )
RNST' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.4   Max: 12.1
Current: 5

-3.4
12.1
EBITDA Growth (3Y)(%) 23.50
RNST's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 1863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. RNST: 23.50 )
RNST' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -17.8   Max: 24
Current: 23.5

-17.8
24
EPS Growth (3Y)(%) 22.60
RNST's EPS Growth (3Y)(%) is ranked higher than
87% of the 1888 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.30 vs. RNST: 22.60 )
RNST' s 10-Year EPS Growth (3Y)(%) Range
Min: -20.2   Max: 22.6
Current: 22.6

-20.2
22.6
» RNST's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

RNST Guru Trades in Q2 2014

Jim Simons 309,836 sh (+20.81%)
» More
Q3 2014

RNST Guru Trades in Q3 2014

Jim Simons 346,178 sh (+11.73%)
» More
Q4 2014

RNST Guru Trades in Q4 2014

Jim Simons 425,464 sh (+22.90%)
» More
Q1 2015

RNST Guru Trades in Q1 2015

Jim Simons 519,836 sh (+22.18%)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.50
RNST's P/E(ttm) is ranked higher than
75% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. RNST: 15.50 )
RNST' s 10-Year P/E(ttm) Range
Min: 8.02   Max: 26.78
Current: 15.5

8.02
26.78
Forward P/E 12.61
RNST's Forward P/E is ranked higher than
78% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RNST: 12.61 )
N/A
PE(NRI) 15.40
RNST's PE(NRI) is ranked higher than
78% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. RNST: 15.40 )
RNST' s 10-Year PE(NRI) Range
Min: 8.01   Max: 26.55
Current: 15.4

8.01
26.55
P/B 1.30
RNST's P/B is ranked higher than
67% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. RNST: 1.30 )
RNST' s 10-Year P/B Range
Min: 0.44   Max: 2.3
Current: 1.3

0.44
2.3
P/S 3.30
RNST's P/S is ranked higher than
63% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.74 vs. RNST: 3.30 )
RNST' s 10-Year P/S Range
Min: 1.1   Max: 7.39
Current: 3.3

1.1
7.39
PFCF 37.80
RNST's PFCF is ranked higher than
69% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RNST: 37.80 )
RNST' s 10-Year PFCF Range
Min: 2.14   Max: 39.15
Current: 37.8

2.14
39.15
POCF 18.85
RNST's POCF is ranked higher than
76% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 152.54 vs. RNST: 18.85 )
RNST' s 10-Year POCF Range
Min: 2.03   Max: 19.33
Current: 18.85

2.03
19.33
EV-to-EBIT 10.49
RNST's EV-to-EBIT is ranked higher than
87% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.11 vs. RNST: 10.49 )
RNST' s 10-Year EV-to-EBIT Range
Min: 5.8   Max: 56.6
Current: 10.49

5.8
56.6
PEG 2.00
RNST's PEG is ranked higher than
88% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RNST: 2.00 )
RNST' s 10-Year PEG Range
Min: 0.72   Max: 16.27
Current: 2

0.72
16.27
Shiller P/E 22.60
RNST's Shiller P/E is ranked higher than
78% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RNST: 22.60 )
RNST' s 10-Year Shiller P/E Range
Min: 5.38   Max: 27.53
Current: 22.6

5.38
27.53

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.30
RNST's Dividend Yield is ranked lower than
52% of the 2273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. RNST: 2.30 )
RNST' s 10-Year Dividend Yield Range
Min: 1.92   Max: 8.06
Current: 2.3

1.92
8.06
Dividend Payout 0.35
RNST's Dividend Payout is ranked higher than
78% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. RNST: 0.35 )
RNST' s 10-Year Dividend Payout Range
Min: 0.21   Max: 15.46
Current: 0.35

0.21
15.46
Yield on cost (5-Year) 2.30
RNST's Yield on cost (5-Year) is ranked lower than
57% of the 2281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. RNST: 2.30 )
RNST' s 10-Year Yield on cost (5-Year) Range
Min: 1.92   Max: 8.06
Current: 2.3

1.92
8.06
Share Buyback Rate -8.00
RNST's Share Buyback Rate is ranked higher than
60% of the 1718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. RNST: -8.00 )
RNST' s 10-Year Share Buyback Rate Range
Min: 3.5   Max: -13.6
Current: -8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.20
RNST's Price/Tangible Book is ranked higher than
58% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. RNST: 2.20 )
RNST' s 10-Year Price/Tangible Book Range
Min: 0.89   Max: 3.08
Current: 2.2

0.89
3.08
Price/DCF (Projected) 0.60
RNST's Price/DCF (Projected) is ranked higher than
90% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RNST: 0.60 )
RNST' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 1.07
Current: 0.6

0.31
1.07
Price/Median PS Value 1.20
RNST's Price/Median PS Value is ranked higher than
69% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. RNST: 1.20 )
RNST' s 10-Year Price/Median PS Value Range
Min: 0.59   Max: 2.38
Current: 1.2

0.59
2.38
Price/Peter Lynch Fair Value 0.90
RNST's Price/Peter Lynch Fair Value is ranked higher than
94% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RNST: 0.90 )
RNST' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.79   Max: 3.32
Current: 0.9

0.79
3.32
Price/Graham Number 1.20
RNST's Price/Graham Number is ranked higher than
67% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. RNST: 1.20 )
RNST' s 10-Year Price/Graham Number Range
Min: 0.63   Max: 1.89
Current: 1.2

0.63
1.89
Earnings Yield (Greenblatt) 9.50
RNST's Earnings Yield (Greenblatt) is ranked higher than
81% of the 2411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. RNST: 9.50 )
RNST' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 17.1
Current: 9.5

1.8
17.1
Forward Rate of Return (Yacktman) 31.58
RNST's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.45 vs. RNST: 31.58 )
RNST' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.5   Max: 38.5
Current: 31.58

1.5
38.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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 major 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.
» 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 
Renasant Corp. Reports Operating Results (10-Q) Aug 10 2009 
Renasant Corp. Reports Operating Results (10-Q) May 11 2009 

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