Renasant Corp (RNST) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Renasant reported revenue of $985.8M, up 37.7% from $715.9M the year before. Net income was $181.3M (a 18.4% net margin), or $2.07 per diluted share. Net interest income was $804.0M, and the efficiency ratio (noninterest expense / revenue) was 66.1%. Operating activities generated $271.5M of cash, leaving $237.8M of free cash flow. At fiscal year end, Renasant held $26.75B in total assets against $22.87B in total liabilities, including $1.07B of cash and equivalents.
Open the full interactive Renasant financials → Quarterly statements, key ratios, valuation history and price charts.
Renasant Key Stats
| Share Price | $39.18 |
|---|---|
| Market Cap | $3.61B |
| P/E Ratio | 18.9 |
| Dividend Yield | 2.41% |
| Revenue YoY Growth | +37.7% |
| 52-Week Range | $32.60 – $44.04 |
| Shares Outstanding | 91.7 million (basic, 2026 Q2) |
Renasant Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $426.8M | $424.0M | $481.3M | $519.3M | $512.2M | $804.0M |
| Provision for Credit Losses | $86.8M | -$1.7M | $23.8M | $15.6M | $9.3M | $107.5M |
| Noninterest Income | $235.5M | $227.0M | $149.3M | $113.1M | $203.7M | $181.9M |
| Noninterest Expense | $472.0M | $429.8M | $395.5M | $439.6M | $461.6M | $651.7M |
| Revenue | $662.3M | $651.0M | $630.6M | $632.4M | $715.9M | $985.8M |
| Pre-Tax Income | $103.5M | $222.8M | $211.3M | $177.2M | $245.0M | $226.7M |
| Income Tax | $19.8M | $46.9M | $45.2M | $32.5M | $49.5M | $45.5M |
| Net Income | $83.7M | $175.9M | $166.1M | $144.7M | $195.5M | $181.3M |
| Diluted EPS | $1.48 | $3.12 | $2.95 | $2.56 | $3.27 | $2.07 |
Renasant Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $269.5M | $278.4M | $273.8M | $273.9M |
| Net Income | $59.8M | $78.9M | $88.2M | $87.1M |
| Diluted EPS | $0.63 | $0.90 | $0.94 | $0.94 |
Renasant Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $633.2M | $1.88B | $576.0M | $801.4M | $1.09B | $1.07B |
| Loans (Net) | — | — | — | $12.15B | $12.68B | $18.75B |
| Total Assets | $14.93B | $16.81B | $16.99B | $17.36B | $18.03B | $26.75B |
| Deposits | $12.06B | $13.91B | $13.49B | $14.08B | $14.57B | $21.47B |
| Total Long-Term Debt | $475.0M | $471.2M | $428.1M | $429.4M | $430.6M | $499.8M |
| Total Liabilities | $12.80B | $14.60B | $14.85B | $15.06B | $15.36B | $22.87B |
| Shareholders' Equity | $2.13B | $2.21B | $2.14B | $2.30B | $2.68B | $3.88B |
Renasant Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $82.2M | $142.7M | $574.0M | $148.6M | $129.4M | $271.5M |
| Cash From Investing | -$1.27B | -$660.0M | -$2.04B | -$55.4M | -$298.0M | -$734.0M |
| Cash From Financing | $1.40B | $1.76B | $167.6M | $132.2M | $459.3M | $441.2M |
| Free Cash Flow | $54.0M | $122.1M | $559.2M | $126.9M | $115.8M | $237.8M |
| Dividends Paid | $50.1M | $50.0M | $50.0M | $50.3M | $53.7M | $78.6M |
Figures from Renasant's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Renasant financials page for every line item.
Renasant Company Profile
| Ticker | RNST |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | Tupelo, Mississippi |
| Incorporated in | Mississippi |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000715072 |
Frequently Asked Questions
What was Renasant's revenue in fiscal 2025?
Renasant (RNST) reported revenue of $985.8M for fiscal 2025.
What is Renasant's annual revenue history?
Renasant's annual revenue by fiscal year: 2020: $662.3M; 2021: $651.0M; 2022: $630.6M; 2023: $632.4M; 2024: $715.9M; 2025: $985.8M.
What was Renasant's net income in fiscal 2025?
Renasant reported net income of $181.3M for fiscal 2025.
What was Renasant's earnings per share (EPS) in fiscal 2025?
Renasant's diluted EPS was $2.07 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Renasant generate in fiscal 2025?
Renasant generated $237.8M of free cash flow in fiscal 2025.
What was Renasant's revenue last quarter?
In its most recent reported quarter (2026 Q2), Renasant reported revenue of $273.9M.
How much debt does Renasant have?
Renasant reported $499.8M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Renasant are outstanding?
Renasant reported a weighted average of 91.7 million basic shares outstanding in 2026 Q2.
What is Renasant's market cap?
Based on its latest closing price, Renasant (RNST) has a market capitalization of about $3.61B.
When does Renasant's fiscal year end?
Renasant's fiscal year end, as registered with the SEC, is December 31.
Where is Renasant headquartered?
Renasant lists its business address in Tupelo, Mississippi in its SEC filings.