Renasant Financials
Renasant (RNST) reported $1.3B in revenue for fiscal year 2025, up 42.2% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Much larger balance-sheet size is producing only slightly more profit, leaving returns thinner despite higher reported revenue.
FY2025 looks bigger, not more productive: total assets reached$26.8B while net income was only$181.3M , so each added dollar of balance-sheet size carried less earnings weight than before. The same dynamic likely felt worse per share because the share count became much larger, so growth in the company did not translate cleanly into growth for each share.
Balance-sheet posture still looks conservative on term leverage: cash ended FY2025 at
Cash conversion improved materially, with operating cash flow rising to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Renasant's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Renasant passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Renasant generates $1.50 in operating cash flow ($271.5M OCF vs $181.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Renasant generated $1.3B in revenue in fiscal year 2025. This represents an increase of 42.2% from the prior year.
Renasant reported $181.3M in net income in fiscal year 2025. This represents a decrease of 7.3% from the prior year.
Renasant earned $2.07 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 36.7% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Renasant generated $237.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 156.3% from the prior year.
Renasant held $1.1B in cash against $499.8M in long-term debt as of fiscal year 2025.
Renasant paid $0.89 per share in dividends in fiscal year 2025. This represents an increase of 1.1% from the prior year.
Margins & Returns
Renasant's net profit margin was 14.4% in fiscal year 2025, showing the share of revenue converted to profit. This is down 7.7 percentage points from the prior year.
Renasant's ROE was 4.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.6 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Renasant spent $13.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
Renasant invested $33.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 147.1% from the prior year.
Not reported for fiscal year 2025.
RNST Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.4B | $1.3B+42.2% | $887.8M+11.3% | $797.3M+47.2% | $541.8M+15.6% | $468.7M-5.9% | $498.1M-8.2% | $542.6M+17.5% | $461.9M+23.2% | $374.8M+13.9% | $329.1M+25.1% | $263.0M+16.2% | $226.4M+25.4% | $180.6M+13.4% | $159.3M-6.7% | $170.7M |
| SG&A Expenses | $385.0M | $368.6M+29.9% | $283.8M+0.7% | $281.8M+7.7% | $261.7M-6.8% | $280.6M-7.2% | $302.4M+20.6% | $250.8M+17.0% | $214.3M+16.1% | $184.5M+7.0% | $172.4M+18.8% | $145.1M+26.1% | $115.1M+16.5% | $98.8M+21.9% | $81.0M+22.5% | $66.1M |
| Interest Expense | $479.4M | $458.3M+22.0% | $375.6M+35.1% | $278.0M+359.4% | $60.5M+35.4% | $44.7M-37.4% | $71.3M-27.9% | $98.9M+51.4% | $65.3M+72.6% | $37.9M+34.5% | $28.1M+29.9% | $21.7M-9.5% | $23.9M+1.9% | $23.5M-9.6% | $26.0M-37.3% | $41.4M |
| Income Tax | $77.1M | $45.5M-8.2% | $49.5M+52.3% | $32.5M-28.1% | $45.2M-3.6% | $46.9M+136.6% | $19.8M-58.7% | $48.1M+15.3% | $41.7M-38.3% | $67.7M+50.9% | $44.8M+41.3% | $31.8M+20.7% | $26.3M+114.6% | $12.3M+79.5% | $6.8M-24.5% | $9.0M |
| Net Income | $314.1M | $181.3M-7.3% | $195.5M+35.1% | $144.7M-12.9% | $166.1M-5.6% | $175.9M+110.3% | $83.7M-50.1% | $167.6M+14.1% | $146.9M+59.4% | $92.2M+1.4% | $90.9M+33.7% | $68.0M+14.2% | $59.6M+77.9% | $33.5M+25.7% | $26.6M+3.9% | $25.6M |
| EPS (Diluted) | — | $2.07-36.7% | $3.27+27.7% | $2.56-13.2% | $2.95-5.4% | $3.12+110.8% | $1.48-48.6% | $2.88+3.2% | $2.79+42.3% | $1.96-9.7% | $2.17+15.4% | $1.880.0% | $1.88+54.1% | $1.22+15.1% | $1.06+3.9% | $1.02 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
RNST Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $26.8B+48.3% | $18.0B+3.9% | $17.4B+2.2% | $17.0B+1.1% | $16.8B+12.6% | $14.9B+11.4% | $13.4B+3.6% | $12.9B+31.6% | $9.8B+13.0% | $8.7B+9.8% | $7.9B+36.5% | $5.8B+1.0% | $5.7B+37.5% | $4.2B-0.6% | $4.2B |
| Cash & Equivalents | $1.1B-2.0% | $1.1B+36.3% | $801.4M+39.1% | $576.0M-69.3% | $1.9B+196.6% | $633.2M+52.6% | $414.9M-27.1% | $569.1M+102.2% | $281.5M-8.1% | $306.2M+44.7% | $211.6M+30.9% | $161.6M-34.5% | $246.6M+86.3% | $132.4M-36.6% | $209.0M |
| Goodwill | $1.4B+42.2% | $988.9M-0.3% | $991.7M0.0% | $991.7M+5.5% | $939.7M0.0% | $939.7M0.0% | $939.7M+0.7% | $932.9M+52.7% | $611.0M+29.9% | $470.5M+5.5% | $445.9M+62.3% | $274.7M-0.5% | $276.1M+49.4% | $184.9M0.0% | $184.9M |
| Total Liabilities | $22.9B+48.9% | $15.4B+1.9% | $15.1B+1.4% | $14.9B+1.7% | $14.6B+14.1% | $12.8B+13.5% | $11.3B+3.5% | $10.9B+31.0% | $8.3B+11.4% | $7.5B+8.4% | $6.9B+35.3% | $5.1B+0.3% | $5.1B+38.0% | $3.7B-0.9% | $3.7B |
| Long-Term Debt | $499.8M+16.1% | $430.6M+0.3% | $429.4M+0.3% | $428.1M-9.1% | $471.2M-0.8% | $475.0M+26.2% | $376.5M+42.8% | $263.6M+27.0% | $207.5M+2.5% | $202.5M+36.6% | $148.2M-5.2% | $156.4M-7.8% | $169.6M+6.4% | $159.5M-34.4% | $243.2M |
| Total Equity | $3.9B+45.1% | $2.7B+16.6% | $2.3B+7.6% | $2.1B-3.3% | $2.2B+3.6% | $2.1B+0.3% | $2.1B+4.0% | $2.0B+34.9% | $1.5B+22.9% | $1.2B+18.9% | $1.0B+45.7% | $711.7M+6.9% | $665.7M+33.6% | $498.2M+2.3% | $487.2M |
| Retained Earnings | $1.2B+9.4% | $1.1B+14.9% | $952.1M+11.0% | $857.7M+15.7% | $741.6M+20.4% | $615.8M-0.3% | $617.4M+23.3% | $500.7M+26.0% | $397.4M+17.7% | $337.5M+22.1% | $276.3M+18.7% | $232.9M+19.5% | $194.8M+7.9% | $180.6M+5.6% | $171.1M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
RNST Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $434.4M | $271.5M+155.1% | $106.4M-28.4% | $148.6M-74.1% | $574.0M+302.4% | $142.7M+73.5% | $82.2M-49.7% | $163.6M+99.3% | $82.1M-60.3% | $207.0M+26.4% | $163.8M-35.2% | $252.6M+102.6% | $124.7M-18.7% | $153.3M-13.7% | $177.7M+16.1% | $153.1M |
| Capital Expenditures | $31.1M | $33.7M+147.1% | $13.6M-36.9% | $21.6M+45.8% | $14.8M-27.7% | $20.5M-27.4% | $28.3M-19.2% | $35.0M+56.4% | $22.4M+71.4% | $13.0M-3.8% | $13.6M-46.1% | $25.2M+13.5% | $22.2M+175.5% | $8.1M-54.2% | $17.6M+177.7% | $6.3M |
| Free Cash Flow | $403.3M | $237.8M+156.3% | $92.8M-26.9% | $126.9M-77.3% | $559.2M+357.8% | $122.1M+126.3% | $54.0M-58.0% | $128.7M+115.3% | $59.8M-69.2% | $194.0M+29.1% | $150.2M-34.0% | $227.5M+121.9% | $102.5M-29.4% | $145.2M-9.3% | $160.1M+9.1% | $146.8M |
| Investing Cash Flow | -$956.3M | -$734.0M-166.9% | -$275.0M-396.5% | -$55.4M+97.3% | -$2.0B-209.6% | -$660.0M+47.8% | -$1.3B-150.2% | -$505.9M-0.5% | -$503.3M-822.5% | $69.7M+119.8% | -$352.0M-42.3% | -$247.4M-22.0% | -$202.8M-254.9% | -$57.1M+71.0% | -$196.8M-245.2% | $135.5M |
| Financing Cash Flow | $24.5M | $441.2M-3.9% | $459.3M+247.4% | $132.2M-21.1% | $167.6M-90.5% | $1.8B+25.7% | $1.4B+645.1% | $188.1M-73.5% | $708.8M+335.1% | -$301.5M-206.6% | $282.8M+531.4% | $44.8M+744.9% | -$6.9M-138.4% | $18.1M+131.5% | -$57.5M+84.6% | -$372.3M |
| Dividends Paid | $87.0M | $78.6M+46.3% | $53.7M+6.9% | $50.3M+0.6% | $50.0M-0.1% | $50.0M-0.2% | $50.1M-1.5% | $50.9M+16.7% | $43.6M+26.7% | $34.4M+15.7% | $29.7M+21.1% | $24.6M+14.1% | $21.5M+11.5% | $19.3M+12.8% | $17.1M+0.3% | $17.1M |
| Share Buybacks | N/A | $13.3M | $0 | $0 | $0-100.0% | $21.3M-13.2% | $24.6M-61.0% | $62.9M+791.3% | $7.1M | $0 | $0 | N/A | N/A | N/A | N/A | N/A |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
RNST Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 14.4%-7.7pp | 22.0%+3.9pp | 18.1%-12.5pp | 30.6%-6.9pp | 37.5%+20.7pp | 16.8%-14.1pp | 30.9%-0.9pp | 31.8%+7.2pp | 24.6%-3.0pp | 27.6%+1.8pp | 25.9%-0.5pp | 26.3%+7.8pp | 18.5%+1.8pp | 16.7%+1.7pp | 15.0% |
| Return on Equity | 4.7%-2.6pp | 7.3%+1.0pp | 6.3%-1.5pp | 7.8%-0.2pp | 8.0%+4.0pp | 3.9%-4.0pp | 7.9%+0.7pp | 7.2%+1.1pp | 6.1%-1.3pp | 7.4%+0.8pp | 6.6%-1.8pp | 8.4%+3.3pp | 5.0%-0.3pp | 5.3%+0.1pp | 5.3% |
| Return on Assets | 0.7%-0.4pp | 1.1%+0.3pp | 0.8%-0.1pp | 1.0%-0.1pp | 1.1%+0.5pp | 0.6%-0.7pp | 1.3%+0.1pp | 1.1%+0.2pp | 0.9%-0.1pp | 1.1%+0.2pp | 0.9%-0.2pp | 1.0%+0.5pp | 0.6%-0.1pp | 0.6%0.0pp | 0.6% |
| Debt-to-Equity | 0.130.0x | 0.160.0x | 0.190.0x | 0.200.0x | 0.210.0x | 0.220.0x | 0.180.0x | 0.130.0x | 0.140.0x | 0.160.0x | 0.14-0.1x | 0.220.0x | 0.25-0.1x | 0.32-0.2x | 0.50 |
| FCF Margin | 18.8%+8.4pp | 10.4%-5.5pp | 15.9% | 103.2% | 26.1%+15.2pp | 10.8%-12.9pp | 23.7%+10.8pp | 12.9%-38.8pp | 51.8%+6.1pp | 45.6%-40.8pp | 86.5%+41.2pp | 45.3%-35.2pp | 80.4% | 100.5% | 86.0% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
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Where Renasant Ranks
Frequently Asked Questions
What is Renasant's annual revenue?
Renasant (RNST) reported $1.3B in total revenue for fiscal year 2025. This represents a 42.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Renasant's revenue growing?
Renasant (RNST) revenue grew by 42.2% year-over-year, from $887.8M to $1.3B in fiscal year 2025.
Is Renasant profitable?
Yes, Renasant (RNST) reported a net income of $181.3M in fiscal year 2025, with a net profit margin of 14.4%.
How much debt does Renasant have?
As of fiscal year 2025, Renasant (RNST) had $1.1B in cash and equivalents against $499.8M in long-term debt.
What is Renasant's net profit margin?
Renasant (RNST) had a net profit margin of 14.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Renasant pay dividends?
Yes, Renasant (RNST) paid $0.89 per share in dividends during fiscal year 2025.
What is Renasant's return on equity (ROE)?
Renasant (RNST) has a return on equity of 4.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Renasant's free cash flow?
Renasant (RNST) generated $237.8M in free cash flow during fiscal year 2025. This represents a 156.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Renasant's operating cash flow?
Renasant (RNST) generated $271.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Renasant's total assets?
Renasant (RNST) had $26.8B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Renasant's capital expenditures?
Renasant (RNST) invested $33.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Renasant's debt-to-equity ratio?
Renasant (RNST) had a debt-to-equity ratio of 0.13 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Renasant's return on assets (ROA)?
Renasant (RNST) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Renasant's Piotroski F-Score?
Renasant (RNST) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Renasant's earnings high quality?
Renasant (RNST) has an earnings quality ratio of 1.50x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Renasant?
Renasant (RNST) scores 58 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.