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Companies / Financials / Renasant Corporation
RNST

Renasant Corporation

FinancialsBanks & Brokers
Ticker RNSTTUPELO, MSFiscal year ends DecemberBook value per share $41.53Diluted shares 93.2M

Renasant Corporation (NYSE: RNST) operates as a bank holding company providing comprehensive financial services throughout the Southeast through its principal subsidiary, Renasant Bank, a Mississippi-chartered member of the Federal Reserve System. The company's website is www.renasant.com. From the company’s description.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$985.85MFY2025
+37.7% year over year
Last 12 mo $1.10B
23.00%FY2025
−11.2 percentage points
Last 12 mo 35.70%
$181.27MFY2025
−7.3% year over year
Last 12 mo $314.06M
4.67%FY2025
−2.6 percentage points
Last 12 mo 8.11%
Cash & financing
$271.47MFY2025
+109.7% year over year
Last 12 mo $425.10M
$237.75MFY2025
+105.3% year over year
Last 12 mo $394.02M
5.80FY2025
Was 5.64× a year earlier
Last 12 mo 0.29
87.5MFY2025
+46.5% year over year
Last 12 mo 93.2M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Renasant Corporation does

In the company’s own words

Renasant Corporation (NYSE: RNST) operates as a bank holding company providing comprehensive financial services throughout the Southeast through its principal subsidiary, Renasant Bank, a Mississippi-chartered member of the Federal Reserve System. The company's website is www.renasant.com.

The company operates two primary reportable segments: Community Banks and Wealth Management. The Community Banks segment, which generates the substantial majority of revenues, offers a complete range of banking and financial services including business and personal loans, construction financing, treasury management services, deposit products, and mortgage origination and servicing. As of December 31, 2025, the company operated 277 banking, lending, and mortgage offices throughout its Southeast markets, while its subsidiary Republic Business Credit maintained four stand-alone offices in California, Illinois, Louisiana, and Texas to support nationwide factoring and asset-based lending operations. The Wealth Management segment, contributing approximately 2.4 percent of total gross revenues, operates through two divisions: a Trust division offering fiduciary and custodial services for retirement plans and personal trusts, and a Financial Services division providing annuities, mutual funds, and brokerage services through Park Place Capital.

Lending activities represent the core business, accounting for approximately 81.1 percent of total gross revenues in 2025. The loan portfolio comprises commercial and industrial loans, construction and land development loans, residential real estate mortgages, commercial real estate loans for both owner-occupied and non-owner-occupied properties, and consumer loans. Investment securities and deposit service fees contribute approximately 7.1 percent and 4.6 percent of revenues, respectively.

In April 2025, Renasant completed its acquisition of The First Bancshares, Inc., significantly expanding its market presence and asset base. The company previously divested its insurance operations through the sale of Renasant Insurance, Inc. in July 2024 and Southwest Georgia Insurance Services, Inc. in December 2025.

The company employs a franchise model that decentralizes lending and business development decisions to community bank presidents while centralizing support functions including legal, accounting, investment management, risk management, and data processing to achieve operational efficiency and consistent quality standards.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
TUPELO, MS
Fiscal year end
December
CIK
715072
SIC
6022

Financial performance, year by year

Fiscal 2013–2025 · USD
$-109.58M$219.17M$547.92M$876.67M$1.21B2013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Renasant Corporation — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

281
funds hold it
0 of 35
superinvestors hold it
$1.94B
held by funds, at market
51.1%
of shares held by funds
5
bond issues held by funds

Largest fund holders · Renasant Corporation’s weight in each

iShares Core S&P Small-Cap ETF
IJR · iShares Trust
0.21%of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.01%of fund net assets
Invesco Small Cap Value Fund
VSCAX · AIM Sector Funds (Invesco Sector Funds)
—of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.12%of fund net assets
VANGUARD SMALL-CAP INDEX FUND
VB · VANGUARD INDEX FUNDS
0.05%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Renasant Corporation’s bonds, as funds hold them

Funds report holding 5 issues of Renasant Corporation’s debt, $41.36M at market value — what funds hold, not the company’s total debt. Weighted-average coupon 6.23%, maturing 2031 to 2036.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Renasant Corporation and its peers compare on margins and cash generation over ten years?”
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