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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 0.71
RNST's Cash to Debt is ranked lower than
59% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. RNST: 0.71 )
Ranked among companies with meaningful Cash to Debt only.
RNST' s 10-Year Cash to Debt Range
Min: 0.11  Med: 0.92 Max: 16.91
Current: 0.71
0.11
16.91
Equity to Asset 0.12
RNST's Equity to Asset is ranked higher than
69% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. RNST: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
RNST' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.10 Max: 0.12
Current: 0.12
0.09
0.12
Interest Coverage 3.61
RNST's Interest Coverage is ranked higher than
72% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. RNST: 3.61 )
Ranked among companies with meaningful Interest Coverage only.
RNST' s 10-Year Interest Coverage Range
Min: 0.34  Med: 0.56 Max: 3.61
Current: 3.61
0.34
3.61
F-Score: 3
WACC vs ROIC
11.48%
8.28%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 31.24
RNST's Operating margin (%) is ranked higher than
53% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. RNST: 31.24 )
Ranked among companies with meaningful Operating margin (%) only.
RNST' s 10-Year Operating margin (%) Range
Min: 15.53  Med: 27.80 Max: 31.96
Current: 31.24
15.53
31.96
Net-margin (%) 21.42
RNST's Net-margin (%) is ranked lower than
52% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. RNST: 21.42 )
Ranked among companies with meaningful Net-margin (%) only.
RNST' s 10-Year Net-margin (%) Range
Min: 11.79  Med: 20.11 Max: 22.65
Current: 21.42
11.79
22.65
ROE (%) 8.69
RNST's ROE (%) is ranked higher than
52% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. RNST: 8.69 )
Ranked among companies with meaningful ROE (%) only.
RNST' s 10-Year ROE (%) Range
Min: 4.57  Med: 10.82 Max: 13.45
Current: 8.69
4.57
13.45
ROA (%) 1.06
RNST's ROA (%) is ranked higher than
64% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. RNST: 1.06 )
Ranked among companies with meaningful ROA (%) only.
RNST' s 10-Year ROA (%) Range
Min: 0.5  Med: 1.08 Max: 1.32
Current: 1.06
0.5
1.32
Revenue Growth (3Y)(%) 4.40
RNST's Revenue Growth (3Y)(%) is ranked higher than
61% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. RNST: 4.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RNST' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.4  Med: 4.80 Max: 11.8
Current: 4.4
-3.4
11.8
EBITDA Growth (3Y)(%) 23.50
RNST's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. RNST: 23.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RNST' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -17.8  Med: 3.80 Max: 24
Current: 23.5
-17.8
24
EPS Growth (3Y)(%) 22.60
RNST's EPS Growth (3Y)(%) is ranked higher than
75% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. RNST: 22.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RNST' s 10-Year EPS Growth (3Y)(%) Range
Min: -20.2  Med: 5.20 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

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
Q2 2015

RNST Guru Trades in Q2 2015

RS Investment Management 264,966 sh (New)
RS Investment Management 264,966 sh (New)
Jim Simons 474,336 sh (-8.75%)
» 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) 15.90
RNST's P/E(ttm) is ranked lower than
66% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. RNST: 15.90 )
Ranked among companies with meaningful P/E(ttm) only.
RNST' s 10-Year P/E(ttm) Range
Min: 8.02  Med: 15.26 Max: 26.78
Current: 15.9
8.02
26.78
Forward P/E 12.87
RNST's Forward P/E is ranked lower than
62% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. RNST: 12.87 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.90
RNST's PE(NRI) is ranked lower than
66% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. RNST: 15.90 )
Ranked among companies with meaningful PE(NRI) only.
RNST' s 10-Year PE(NRI) Range
Min: 8.01  Med: 15.27 Max: 26.55
Current: 15.9
8.01
26.55
P/B 1.34
RNST's P/B is ranked lower than
71% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. RNST: 1.34 )
Ranked among companies with meaningful P/B only.
RNST' s 10-Year P/B Range
Min: 0.44  Med: 1.17 Max: 1.98
Current: 1.34
0.44
1.98
P/S 3.41
RNST's P/S is ranked lower than
63% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. RNST: 3.41 )
Ranked among companies with meaningful P/S only.
RNST' s 10-Year P/S Range
Min: 1.1  Med: 2.79 Max: 7.39
Current: 3.41
1.1
7.39
PFCF 181.65
RNST's PFCF is ranked lower than
99% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. RNST: 181.65 )
Ranked among companies with meaningful PFCF only.
RNST' s 10-Year PFCF Range
Min: 2.14  Med: 6.56 Max: 195.41
Current: 181.65
2.14
195.41
POCF 29.98
RNST's POCF is ranked lower than
92% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. RNST: 29.98 )
Ranked among companies with meaningful POCF only.
RNST' s 10-Year POCF Range
Min: 2.03  Med: 6.00 Max: 32.25
Current: 29.98
2.03
32.25
EV-to-EBIT 14.49
RNST's EV-to-EBIT is ranked lower than
54% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. RNST: 14.49 )
Ranked among companies with meaningful EV-to-EBIT only.
RNST' s 10-Year EV-to-EBIT Range
Min: 5.8  Med: 16.50 Max: 56.6
Current: 14.49
5.8
56.6
PEG 2.06
RNST's PEG is ranked lower than
74% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. RNST: 2.06 )
Ranked among companies with meaningful PEG only.
RNST' s 10-Year PEG Range
Min: 0.72  Med: 1.87 Max: 16.27
Current: 2.06
0.72
16.27
Shiller P/E 22.49
RNST's Shiller P/E is ranked lower than
75% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. RNST: 22.49 )
Ranked among companies with meaningful Shiller P/E only.
RNST' s 10-Year Shiller P/E Range
Min: 5.38  Med: 14.77 Max: 27.53
Current: 22.49
5.38
27.53

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.20
RNST's Dividend Yield is ranked lower than
62% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. RNST: 2.20 )
Ranked among companies with meaningful Dividend Yield only.
RNST' s 10-Year Dividend Yield Range
Min: 1.92  Med: 2.98 Max: 8.06
Current: 2.2
1.92
8.06
Dividend Payout 0.35
RNST's Dividend Payout is ranked higher than
64% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. RNST: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
RNST' s 10-Year Dividend Payout Range
Min: 0.21  Med: 0.39 Max: 15.46
Current: 0.35
0.21
15.46
Yield on cost (5-Year) 2.20
RNST's Yield on cost (5-Year) is ranked lower than
67% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. RNST: 2.20 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
RNST' s 10-Year Yield on cost (5-Year) Range
Min: 1.92  Med: 2.98 Max: 8.06
Current: 2.2
1.92
8.06
Share Buyback Rate -8.00
RNST's Share Buyback Rate is ranked lower than
73% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. RNST: -8.00 )
Ranked among companies with meaningful Share Buyback Rate only.
RNST' s 10-Year Share Buyback Rate Range
Min: 3.5  Med: -6.00 Max: -13.6
Current: -8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.24
RNST's Price/Tangible Book is ranked lower than
90% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. RNST: 2.24 )
Ranked among companies with meaningful Price/Tangible Book only.
RNST' s 10-Year Price/Tangible Book Range
Min: 0.89  Med: 1.76 Max: 3.08
Current: 2.24
0.89
3.08
Price/Projected FCF 0.62
RNST's Price/Projected FCF is ranked higher than
54% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. RNST: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
RNST' s 10-Year Price/Projected FCF Range
Min: 0.31  Med: 0.65 Max: 1.07
Current: 0.62
0.31
1.07
Price/Median PS Value 1.22
RNST's Price/Median PS Value is ranked lower than
72% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. RNST: 1.22 )
Ranked among companies with meaningful Price/Median PS Value only.
RNST' s 10-Year Price/Median PS Value Range
Min: 0.59  Med: 1.05 Max: 2.38
Current: 1.22
0.59
2.38
Price/Peter Lynch Fair Value 1.18
RNST's Price/Peter Lynch Fair Value is ranked lower than
65% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. RNST: 1.18 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
RNST' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.79  Med: 1.70 Max: 3.32
Current: 1.18
0.79
3.32
Price/Graham Number 1.25
RNST's Price/Graham Number is ranked lower than
83% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. RNST: 1.25 )
Ranked among companies with meaningful Price/Graham Number only.
RNST' s 10-Year Price/Graham Number Range
Min: 0.62  Med: 1.10 Max: 1.89
Current: 1.25
0.62
1.89
Earnings Yield (Greenblatt) (%) 6.90
RNST's Earnings Yield (Greenblatt) (%) is ranked higher than
51% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. RNST: 6.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RNST' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.8  Med: 6.10 Max: 17.1
Current: 6.9
1.8
17.1
Forward Rate of Return (Yacktman) (%) 27.30
RNST's Forward Rate of Return (Yacktman) (%) is ranked higher than
71% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. RNST: 27.30 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RNST' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.5  Med: 16.35 Max: 38.5
Current: 27.3
1.5
38.5

Analyst Estimate

Dec15 Dec16
EPS($) 2.10 2.40
EPS without NRI($) 2.10 2.40

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:RN6.Germany,
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 NAS: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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