# Renasant Corporation (RNST) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $41.40, market value $3.8 billion.

## Valuation
- **P/E (trailing): 12.1×** (5-yr avg 12.4×, 3-yr avg 13.2×). Renasant Corporation trades at 12.1× trailing earnings, close to its own five-year average of 12.4×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.5×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 1.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 10.4%** (5-yr avg 11.0%). Free cash flow equals 10.4% of the market value, in line with its five-year average of 11.0%. Above 5% is generally attractive.
- **Earnings yield: 8.3%**. The inverse of the P/E: 8.3% of the price is earned each year.

## Profitability
- **Return on equity: 4.7%**. 4.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): -36.7%** (3-yr -11.1%/yr, 5-yr 6.9%/yr). Earnings per share fell 36.7%.
- **Free-cash-flow growth (3 yr): -24.8%/yr**. Free cash flow has compounded at -24.8% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $1.1 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.32%** ($0.92 per share, trailing). Renasant Corporation yields 2.32%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 43%** (22% of free cash flow). 43% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 26**. 26 straight years of increases (the data covers 26 years, so this may be longer): a record very few companies hold.
- **Dividend growth (5 yr): 0.2%/yr** (1-yr 1.1%). The dividend has grown 0.2% a year over five years.

## Price and momentum
- **Total return (1 yr): 6.6%** (YTD 19.0%, 3-mo 2.0%). The shares are up 6.6% over twelve months including dividends.
- **From 52-week high: -7.0%** (25.3% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 45**. An RSI of 45 is neutral.
- **Beta (1 yr): 0.68** (volatility 25%). Beta of 0.68 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=RNST · Page: https://foliofundamentals.com/stocks/rnst

Not investment advice.