Renasant Corp. (RNST)

NYSEFinancialsBanks - RegionalSnapshot 2026-10-23

$41.57+0.31%

Close 2026-10-23 · 1-day change

Investment OutlookAs of Oct 24, 2026

What could strengthen or challenge Renasant Corp.’s outlook?

The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Oct 4, 2026.

Higher potential upsideImproving expectations

Next-FY EPS estimate change · 30 days

+0.1%

+10% or more+5%0%−5%−10% or less

3.93 → 3.93 EPS · FY ending Dec 31, 2027 · 6 analysts

Higher risk of downsideWeakening expectations

One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.

How this is measured

Change in the same fiscal period’s mean EPS estimate from Sep 24, 2026 to Oct 24, 2026: (new ÷ prior − 1). Contributor count changed from 6 to 6; this is not the number of analysts revising. Source: FMP consensus snapshots. The ±10% axis is a display range.

Measure / period	Management expectations	Analyst expectations
Quarter ending 2026-12-30
Revenue	—	285.23M
EPS	—	0.961
Annual ending 2026-12-31
Revenue	—	1.12B
EPS	—	3.781
Annual ending 2027-12-31
Revenue	—	1.16B
EPS	—	3.931

Management figures unavailable.

What the Thesis Depends On

Three published thesis conditions, with dated milestones shown separately.

Key Factor	Why It Matters	Current Status	Break Condition	Latest Evidence
Net loan charge-offs	Strong credit quality is maintained with low charge-offs.	Intact	exceeds 2.8 million in charge-offs next quarter	Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Source date unavailableLast status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement. Management context Stated in 3 of last 5 quarters. Net loan charge-offs remained low at $2.8 million (0.06% annualized) in 2026-Q2, slightly up from $2.3 million in 2026-Q1. Nonperforming loans ratio improved from 1.06% to 0.97% over the same period. Management is maintaining strong credit quality consistent with stated priorities. Delivery assessment Oct 24, 2026
Adjusted efficiency ratio	The efficiency ratio improved to 54.92%, showing better cost management.	Intact	rises above 54.92% next quarter	Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Source date unavailableLast status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement. Management context Stated in 3 of last 5 quarters. Adjusted efficiency ratio improved from 57.07% in 2025-Q2 to 54.92% in 2026-Q2, reflecting revenue growth and expense management. Noninterest expense increased slightly in 2026-Q2 but remains controlled. The trajectory shows delivering on efficiency improvement goals. Delivery assessment Oct 24, 2026
Increase in loans	A primary condition in Renasant Corp.'s published investment case. The stated target is >=19196 million.	Intact	falls below 19196 million in loans next quarter	Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Source date unavailableLast status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement. Management context Stated as a priority in 5 of last 5 quarters. Loans increased by $220.9 million in 2026-Q2 including a $58.3 million loan portfolio acquisition. The company completed the transformative acquisition of The First Bancshares in 2025-Q4, fully reflected in 2026-Q1 results. The trajectory shows active delivery on acquisition-driven growth. Delivery assessment Oct 24, 2026

Stored thesis · Oct 4, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.

Incoming Evidence

Compare these dated observations with the operating requirements above

Expectations trend

Same fiscal period

FY2027 · fiscal year ending 2027-12-31 · fmp

FY2027 EPS$3.93

$3.95 → $3.93 · observed estimates

FY2027 revenue$1.16B

$1.18B → $1.16B · observed estimates

Exact estimates & source dates

One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.

FY2027 estimate observations · fmp
Snapshot	EPS	Revenue	EPS / revenue analysts
2026-07-24	$3.95	$1,176,591,500	7 / 6
2026-07-25	$3.95	$1,176,591,500	7 / 6
2026-07-26	$3.95	$1,176,591,500	7 / 6
2026-07-27	$3.95	$1,176,591,500	7 / 6
2026-07-28	$3.95	$1,176,591,500	7 / 6
2026-07-29	$3.95	$1,176,591,500	7 / 6
2026-07-30	$3.93	$1,166,533,333	6 / 5
2026-07-31	$3.93	$1,160,613,833	6 / 5
2026-08-01	$3.93	$1,160,613,833	6 / 5
2026-08-02	$3.93	$1,160,613,833	6 / 5
2026-08-03	$3.93	$1,160,613,830	7 / 6
2026-08-04	$3.93	$1,160,613,830	7 / 6
2026-08-05	$3.93	$1,160,613,833	6 / 5
2026-08-06	$3.93	$1,160,613,833	6 / 5
2026-08-08	$3.93	$1,160,613,833	6 / 5
2026-08-09	$3.93	$1,160,613,833	6 / 5
2026-08-10	$3.93	$1,160,613,830	7 / 6
2026-08-12	$3.93	$1,160,613,830	7 / 6
2026-08-13	$3.93	$1,160,613,833	6 / 5
2026-08-14	$3.93	$1,160,613,833	6 / 5
2026-08-15	$3.93	$1,160,613,833	6 / 5
2026-08-16	$3.93	$1,160,613,833	6 / 5
2026-08-17	$3.93	$1,160,613,833	6 / 5
2026-08-18	$3.93	$1,160,613,833	6 / 5
2026-08-19	$3.93	$1,160,613,833	6 / 5
2026-08-20	$3.93	$1,160,613,833	6 / 5
2026-08-21	$3.93	$1,160,613,833	6 / 5
2026-08-22	$3.93	$1,160,613,833	6 / 5
2026-08-23	$3.93	$1,160,613,833	6 / 5
2026-08-24	$3.93	$1,160,613,833	6 / 5
2026-08-25	$3.93	$1,160,613,833	6 / 5
2026-08-26	$3.93	$1,160,613,833	6 / 5
2026-08-27	$3.93	$1,160,613,833	6 / 5
2026-08-28	$3.93	$1,160,613,833	6 / 5
2026-08-29	$3.93	$1,160,613,833	6 / 5
2026-08-30	$3.93	$1,160,613,833	6 / 5
2026-08-31	$3.93	$1,160,613,833	6 / 5
2026-09-01	$3.93	$1,160,613,833	6 / 5
2026-09-02	$3.93	$1,160,613,833	6 / 5
2026-09-03	$3.93	$1,160,613,833	6 / 5
2026-09-04	$3.93	$1,160,613,833	6 / 5
2026-09-05	$3.93	$1,160,613,833	6 / 5
2026-09-06	$3.93	$1,160,613,833	6 / 5
2026-09-07	$3.93	$1,160,613,833	6 / 5
2026-09-08	$3.93	$1,160,613,833	6 / 5
2026-09-09	$3.93	$1,160,613,833	6 / 5
2026-09-10	$3.93	$1,160,613,833	6 / 5
2026-09-11	$3.93	$1,160,613,833	6 / 5
2026-09-12	$3.93	$1,160,613,833	6 / 5
2026-09-13	$3.93	$1,160,613,833	6 / 5
2026-09-14	$3.93	$1,160,613,833	6 / 5
2026-09-15	$3.93	$1,160,613,833	6 / 5
2026-09-16	$3.93	$1,160,613,833	6 / 5
2026-09-17	$3.93	$1,160,613,833	6 / 5
2026-09-18	$3.93	$1,160,613,833	6 / 5
2026-09-19	$3.93	$1,160,613,833	6 / 5
2026-09-20	$3.93	$1,160,613,833	6 / 5
2026-09-21	$3.93	$1,160,613,833	6 / 5
2026-09-22	$3.93	$1,160,613,833	6 / 5
2026-09-23	$3.93	$1,160,613,833	6 / 5
2026-09-24	$3.93	$1,160,613,833	6 / 5
2026-09-25	$3.93	$1,160,749,667	6 / 5
2026-09-26	$3.93	$1,160,749,667	6 / 5
2026-09-27	$3.93	$1,160,749,667	6 / 5
2026-09-28	$3.93	$1,160,749,667	6 / 5
2026-09-29	$3.93	$1,160,749,667	6 / 5
2026-09-30	$3.93	$1,160,749,667	6 / 5
2026-10-01	$3.93	$1,160,749,667	6 / 5
2026-10-02	$3.93	$1,160,749,667	6 / 5
2026-10-03	$3.93	$1,160,749,667	6 / 5
2026-10-04	$3.93	$1,160,749,667	6 / 5
2026-10-05	$3.93	$1,160,749,667	6 / 5
2026-10-06	$3.93	$1,161,411,500	6 / 5
2026-10-07	$3.93	$1,161,411,500	6 / 5
2026-10-08	$3.93	$1,161,411,500	6 / 5
2026-10-09	$3.93	$1,161,411,500	6 / 5
2026-10-10	$3.93	$1,161,411,500	6 / 5
2026-10-11	$3.93	$1,161,411,500	6 / 5
2026-10-12	$3.93	$1,161,411,500	6 / 5
2026-10-13	$3.93	$1,161,411,500	6 / 5
2026-10-14	$3.93	$1,161,411,500	6 / 5
2026-10-15	$3.93	$1,161,411,500	6 / 5
2026-10-16	$3.93	$1,161,411,500	6 / 5
2026-10-17	$3.93	$1,161,411,500	6 / 5
2026-10-18	$3.93	$1,161,411,500	6 / 5
2026-10-19	$3.93	$1,161,411,500	6 / 5
2026-10-20	$3.93	$1,161,411,500	6 / 5
2026-10-21	$3.93	$1,161,411,500	6 / 5
2026-10-22	$3.93	$1,161,411,500	6 / 5
2026-10-23	$3.93	$1,161,411,500	6 / 5
2026-10-24	$3.93	$1,161,411,500	6 / 5

Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.

Compare required revenue and earnings

Analyst view

Monthly observations

Buy / Strong BuyHoldSell / Strong Sell

Exact monthly counts

Monthly rating snapshots · fmp. Missing snapshots are not zero.
Date	Buy*	Hold
2026-05-01	6	1
2026-06-01	6	1
2026-07-01	6	1
2026-08-01	6	1
2026-09-01	6	1
2026-10-01	6	1

*Buy includes Strong Buy; Sell includes Strong Sell. Monthly counts describe the analyst mix, not the firms behind each recent action.

Latest: 6 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell

0 upgrades0 downgrades1 maintains

Recent actions · Sep 25–Oct 24 · 1 recorded

Price-target changes

30 days

Individual price-target observations are unavailable.

0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior

How this is measured

Sep 25, 2026–Oct 24, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.

Outlook in Brief

The evidence, the remaining questions, and what comes next

What's improving

No recovery evidence is reported in the available driver assessments.

Still unresolved / key risks

Net loan charge-offsDirect metric needs a verified mapping
Adjusted efficiency ratioDirect metric needs a verified mapping
Increase in loansDirect metric needs a verified mapping

Next proof point

Oct 27, 2026

Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.

Review earnings

Bottom line

3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.

The dated weekly assessment and its assumptions are available in Read detailed Outlook.

Historical risk context

Observed price history; separate from operating scenarios

Price sensitivity

0.8%Typical daily move · historical

Downside history

-17.2%Maximum drawdown · trailing year

Read detailed Outlook Company context, assumptions & risks

Renasant Corp. outlook in detail

The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.

Updated Oct 24, 2026

What kind of bet this is

RNST is an acquisition-led regional banking growth story, with robust earnings quality and strong recent performance. The multi-year view is intact, while management execution is volatile and growth in customer relationships remains an area to watch.

What's priced into Renasant Corp.

The valuation evidence is mixed: one measure describes RNST as cheap versus peers, while another shows a sizable premium, and the expectations gap is slightly negative. The priced-in signal is tagged as justified, with low fragility, but the evidence does not clearly establish what earnings assumptions the market already reflects.

What the fundamentals likely do

Near-term results have been strong, including an earnings beat, and loans grew in the second quarter with help from an acquired portfolio. Acquisitions and capital allocation are on track, while customer relationship growth is on watch; the sector backdrop is a headwind, and management has a volatile track record. Guidance cuts, rate cuts, or a CFO transition could affect the near-term picture, though the evidence gives limited detail on the transition.

What Renasant Corp. hinges on

The multi-year thesis depends on RNST completing acquisitions and sustaining growth while managing capital carefully. Near term, a guidance cut or Federal Reserve rate cuts would be unfavorable; continued earnings strength among sector peers could support the sector backdrop. The recent CFO transition and management execution remain factors to monitor.