RNST (Renasant) Cyclically Adjusted FCF per Share: $3.83 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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RNST Renasant Corp RNST
58 GF Score
Price $43.57
GF Value $35.53
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Renasant Cyclically Adjusted FCF per Share?

Renasant RNST +0.53% 58 Cyclically Adjusted FCF per Share is $3.83 as of Mar. 2026. GuruFocus rates RNST with a GF Score™ of 58/100 and a GF Value™ of $35.53 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Renasant's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.995. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $3.83 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Renasant's average Cyclically Adjusted FCF Growth Rate was -10.50% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -6.90% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -2.60% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was -1.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Renasant was 18.90% per year. The lowest was -6.90% per year. And the median was 6.50% per year.

As of today (2026-08-03), Renasant's current stock price is $43.57. Renasant's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $3.83. Renasant's Cyclically Adjusted Price-to-FCF of today is 11.38.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Renasant was 11.88. The lowest was 4.72. And the median was 8.63.


Renasant  (NYSE:RNST) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Renasant's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=43.57/3.83
=11.38

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Renasant was 11.88. The lowest was 4.72. And the median was 8.63.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Renasant Cyclically Adjusted FCF per Share Related Terms


Renasant Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Renasant's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Renasant Cyclically Adjusted FCF per Share Chart

Renasant Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.92 4.36 4.03 3.86 3.52

Renasant Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.18 3.81 3.52 3.83 0.00

RNST vs CVBF, INDB, WSBC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Renasant's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Renasant Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Renasant's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Renasant's Cyclically Adjusted Price-to-FCF falls into.


RNST
58GF Score
Renasant Corp RNST
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Renasant Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Renasant's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.995/330.2130*330.2130
=0.995

Current CPI (Mar. 2026) = 330.2130.

Renasant Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.743 241.018 1.018
201609 3.018 241.428 4.128
201612 0.806 241.432 1.102
201703 1.140 243.801 1.544
201706 -1.138 244.955 -1.534
201709 0.818 246.819 1.094
201712 3.101 246.524 4.154
201803 -1.324 249.554 -1.752
201806 -0.361 251.989 -0.473
201809 1.327 252.439 1.736
201812 1.247 251.233 1.639
201903 2.262 254.202 2.938
201906 -1.783 256.143 -2.299
201909 -0.385 256.759 -0.495
201912 2.139 256.974 2.749
202003 -2.203 258.115 -2.818
202006 3.125 257.797 4.003
202009 -0.245 260.280 -0.311
202012 0.297 260.474 0.377
202103 -1.051 264.877 -1.310
202106 1.696 271.696 2.061
202109 0.651 274.310 0.784
202112 0.875 278.802 1.036
202203 3.634 287.504 4.174
202206 2.493 296.311 2.778
202209 1.936 296.808 2.154
202212 1.890 296.797 2.103
202303 -0.278 301.836 -0.304
202306 -0.501 305.109 -0.542
202309 1.338 307.789 1.435
202312 1.681 306.746 1.810
202403 1.093 312.332 1.156
202406 -0.927 314.175 -0.974
202409 -0.086 315.301 -0.090
202412 1.386 315.605 1.450
202503 0.707 319.799 0.730
202506 -0.330 322.561 -0.338
202509 1.261 324.800 1.282
202512 1.089 324.054 1.110
202603 0.995 330.213 0.995

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $3.83 mean?
Renasant (RNST) has a Cyclically Adjusted FCF per Share of $3.83 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Renasant and its competitors.
Is Renasant's Cyclically Adjusted FCF per Share too high?
Renasant's current Cyclically Adjusted FCF per Share is $3.83. Overall, Renasant has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Renasant's Cyclically Adjusted FCF per Share compare to CVBF and INDB?
Renasant's Cyclically Adjusted FCF per Share of $3.83 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Renasant and its competitors. Renasant's current Cyclically Adjusted FCF per Share is $3.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Renasant stock overvalued right now?
Based on GuruFocus' analysis, Renasant (RNST) is currently considered Modestly Overvalued. The stock's GF Value™ is $35.53, compared to a current price of $43.57 — trading 22.6% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $3.83. Renasant's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Renasant (RNST), the current Cyclically Adjusted FCF per Share is $3.83 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Renasant (RNST) Overvalued in 2026?

Based on GuruFocus' analysis, Renasant stock appears to be overvalued. The current stock price of $43.57 is trading 22.6% above its estimated GF Value™ of $35.53. GuruFocus considers Renasant to be Modestly Overvalued.

Key valuation signals for RNST:

  • Cyclically Adjusted FCF per Share: $3.83
  • GF Value™: $35.53 vs. price of $43.57 (22.6% above fair value)
  • GF Score™: 58/100 with 7 warning signs

No single metric tells the full story. See the RNST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Renasant Business Description

Other Exchanges RN6:Germany
Address 209 Troy Street, Tupelo, MS, USA, 38804-4827
Renasant Corp operates as a holding company for Renasant Bank, a Mississippi banking corporation, and its subsidiary, Renasant Insurance, Inc. It has two reportable segments: Community banks and Wealth management. With its Community Banks segment, the company provides a range of financial services to individuals and small businesses. The Wealth management segment provides a range of services, including money management and retirement planning. The majority of the company's revenue is driven by lending activities in its community banks segment.
58GF Score

Get the complete analysis for RNST

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.57
Price
$35.53
GF Value