Renasant Financials
This page shows Renasant (RNST) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).
FY2025 shows balance-sheet expansion outrunning earnings, leaving a much larger company with thinner returns on each asset and equity dollar.
FY2025's key shift was scale without matching earnings: assets jumped48.3% in a single year while net income moved lower, so the company got bigger faster than it got more productive. That mismatch pushed ROA from1.1% to0.7% and pulled ROE lower as well, showing the new scale has not yet translated into stronger profitability.
Per-share earnings weakened more than total profit because share count jumped to 94.6M in FY2025 from 63.6M in FY2024. With more shares dividing a slightly smaller profit pool, diluted EPS fell from 3.27 to 2.07, which means the expansion reduced each share's claim on the business even as reported equity increased.
Cash conversion improved sharply in FY2025: operating cash flow reached
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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's revenue surged 42.2% year-over-year to $1.3B, reflecting rapid business expansion. This strong growth earns a score of 76/100.
Renasant carries a low D/E ratio of 0.13, meaning only $0.13 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.
Renasant has a free cash flow margin of 18.8%, earning a moderate score of 64/100. The company generates positive cash flow after capital investments, but with room for improvement.
Renasant generates a 4.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 24/100. This is down from 7.3% the prior year.
Renasant passes 4 of 9 financial strength tests. 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.
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.
Renasant had 95M shares outstanding in fiscal year 2025. This represents an increase of 48.9% 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.
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.
RNST Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $346.9M-1.2% | $351.1M+2.1% | $343.9M+56.1% | $220.3M-2.2% | $225.3M-1.6% | $229.0M+4.0% | $220.2M+3.3% | $213.2M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $98.1M-0.9% | $99.0M-0.6% | $99.5M+38.3% | $72.0M+2.4% | $70.3M-1.5% | $71.3M+0.8% | $70.7M-1.0% | $71.5M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $119.5M-6.3% | $127.6M+2.0% | $125.0M+45.2% | $86.1M-6.8% | $92.5M-5.7% | $98.0M+3.0% | $95.2M+5.9% | $89.9M |
| Income Tax | $17.9M+15.6% | $15.5M+838.6% | $1.6M-84.2% | $10.4M+108.7% | $5.0M-79.9% | $24.9M+157.9% | $9.7M-2.5% | $9.9M |
| Net Income | $78.9M+32.0% | $59.8M+5773.1% | $1.0M-97.5% | $41.5M-7.2% | $44.7M-38.2% | $72.5M+86.5% | $38.8M-1.4% | $39.4M |
| EPS (Diluted) | N/A | $0.63+6200.0% | $0.01-98.5% | $0.65 | N/A | $1.18+71.0% | $0.69-1.4% | $0.70 |
RNST Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $26.8B+0.1% | $26.7B+0.4% | $26.6B+45.7% | $18.3B+1.3% | $18.0B+0.4% | $18.0B+2.6% | $17.5B+0.9% | $17.3B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $1.1B-1.2% | $1.1B-21.4% | $1.4B+26.3% | $1.1B-0.1% | $1.1B-14.4% | $1.3B+49.7% | $851.9M+0.9% | $844.4M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $1.4B-0.4% | $1.4B-0.6% | $1.4B+43.6% | $988.9M0.0% | $988.9M0.0% | $988.9M-0.3% | $991.7M0.0% | $991.7M |
| Total Liabilities | $22.9B-0.1% | $22.9B+0.2% | $22.8B+47.0% | $15.5B+1.2% | $15.4B+0.4% | $15.3B+1.0% | $15.2B+0.9% | $15.0B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $499.8M-10.6% | $558.9M+0.3% | $557.0M+28.5% | $433.3M+0.6% | $430.6M-0.6% | $433.2M+1.0% | $428.7M+0.1% | $428.0M |
| Total Equity | $3.9B+1.5% | $3.8B+1.2% | $3.8B+38.6% | $2.7B+1.8% | $2.7B+0.8% | $2.7B+12.9% | $2.4B+1.4% | $2.3B |
| Retained Earnings | $1.2B+5.0% | $1.1B+3.5% | $1.1B-1.8% | $1.1B+2.5% | $1.1B+2.9% | $1.1B+5.8% | $1.0B+2.7% | $978.9M |
RNST Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $107.1M-20.9% | $135.5M+275.3% | -$77.3M-172.8% | $106.2M+15.3% | $92.1M+5647.9% | -$1.7M+96.6% | -$49.1M-175.4% | $65.1M |
| Capital Expenditures | $3.4M-77.9% | $15.3M+50.7% | $10.2M+111.3% | $4.8M+48.8% | $3.2M-10.9% | $3.6M+4.5% | $3.5M+5.5% | $3.3M |
| Free Cash Flow | $103.8M-13.6% | $120.1M+237.3% | -$87.5M-186.3% | $101.3M+14.0% | $88.9M+1778.5% | -$5.3M+89.9% | -$52.6M-185.1% | $61.8M |
| Investing Cash Flow | -$23.1M+94.9% | -$448.8M-1601.8% | $29.9M+110.2% | -$292.1M+9.8% | -$323.6M-451.5% | $92.1M+225.3% | -$73.4M-345.1% | $30.0M |
| Financing Cash Flow | -$97.1M-625.5% | $18.5M-94.5% | $334.7M+80.7% | $185.2M+286.4% | $47.9M-85.6% | $333.3M+156.3% | $130.0M+350.2% | -$52.0M |
| Dividends Paid | $22.0M+4.1% | $21.2M0.0% | $21.2M+48.2% | $14.3M+0.4% | $14.2M0.0% | $14.2M+12.5% | $12.6M-0.1% | $12.7M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
RNST Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 22.8%+5.7pp | 17.0%+16.7pp | 0.3%-18.5pp | 18.8%-1.0pp | 19.9%-11.8pp | 31.6%+14.0pp | 17.6%-0.9pp | 18.5% |
| Return on Equity | 2.0%+0.5pp | 1.6%+1.5pp | 0.0%-1.5pp | 1.5%-0.1pp | 1.7%-1.1pp | 2.7%+1.1pp | 1.7%-0.1pp | 1.7% |
| Return on Assets | 0.3%+0.1pp | 0.2%+0.2pp | 0.0%-0.2pp | 0.2%-0.0pp | 0.3%-0.1pp | 0.4%+0.2pp | 0.2%0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.13-0.0 | 0.150.0 | 0.15-0.0 | 0.160.0 | 0.160.0 | 0.16-0.0 | 0.180.0 | 0.18 |
| FCF Margin | 29.9%-4.3pp | 34.2%+59.7pp | -25.4%-71.4pp | 46.0%+6.6pp | 39.4%+41.7pp | -2.3%+21.6pp | -23.9%-52.8pp | 29.0% |
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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 9, indicating neutral financial health. 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 44 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.