Renasant Corporation (RNST) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Renasant Corporation stock $31.17, price $39.39, that is 20.9% below the price, quality 41 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Renasant Corporation
RNST · USOur calculation puts a fair price 21% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $21.80 – $44.04 · fair‑value band $23.38 – $33.40 · the $39.39 price screens above the $31.17 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Company profile
Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, and fiduciary services to retail and commercial customers. The company operates in two segments, Community Banks and Wealth Management.
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The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lending, and factoring equipment leasing services, as well as safe deposit and night depository facilities.
It also provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate"1-4 family mortgage; real estate"commercial mortgage; real estate"construction loans for the construction of single family residential properties, multi-family properties, and commercial projects; installment loans to individuals; and interim construction loans, as well as automated teller machine (ATM), online and mobile banking, call center, and treasury management services.
The Wealth Management segment offers a range of wealth management and fiduciary services, including administration and management of trust accounts, such as personal and corporate benefit accounts, and custodial accounts, as well as accounting and money management for trust accounts.
It also provides annuities, mutual funds, and other investment services through a third-party broker-dealer; administrative and compliance services; and qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates, as well as administrative and compliance services for certain mutual funds.
The company was founded in 1904 and is based in Tupelo, Mississippi.
Stock analysis
Renasant Corporation (RNST) currently trades at $39.39, while our model-based Fair Value estimate is $31.17, 21% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $31.98 per share, and 0 of the 6 models we run sit above the $39.39 price.
Bear case: the Dividend Discount group reads lowest at $13.63, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $23.38 (bear) to $33.40 (bull), the price of $39.39 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 41/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Renasant Corporation reported revenue of $1.4B in FY2025 versus $696M in FY2021, a compound +20.0%/yr. Reported net income was $181M in FY2025, compounding +0.8%/yr from FY2021.
Key figures
Market cap $3.7B Mid · P/E ratio 10.9 · P/S ratio 3.46 · EPS (TTM) $3.62 · Dividend yield 2.4% · Net margin 31.3% · Return on equity 8.7% · Return on assets (EBIT) 1.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 21% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −21%, RNST screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $82,120, on Nov 2, 2026. Over the same period, 4 people sold shares worth $2.2M.
- BuyJonathan A LevyDirector2× since Nov 11, 2025: 4,000 shares, avg. $37.92$151,700Nov 2, 2026
- SaleEdward Robinson McGrawDirector35,000 shares at $43.88$1.5MAug 3, 2026
- SaleConnie L EngelDirector1,257 shares at $40.90$51,411May 29, 2026
- SaleAlbert J Dale IIIDirector1,650 shares at $39.80$65,670May 19, 2026
- SaleC Mitchell WaycasterExecutive Vice Chairman, Director12,704 shares at $39.50$501,808May 14, 2026
- SaleKelly HutchesonEVP/Chief Accounting Officer1,350 shares at $38.65$52,178Mar 4, 2026
- SaleM Ray Cole JrSEVP and Executive Advisor, Director20,000 shares at $40.63$812,600Feb 13, 2026
- SaleMark JeanfreauEVP/General Counsel6,000 shares at $37.88$227,280Feb 2, 2026
- SaleJames C. Mabry IVEVP and CFO12,500 shares at $37.83$472,875Jan 30, 2026
Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
RNST screens overvalued: fair value 21% below the price. Compare with China Merchants Bank Co →
Earlier news
- Renasant (RNST) Deal Expands Its Tennessee Reach With More Branches
- Why Renasant (RNST) shares are sliding today
- Renasant: Q3 Earnings Snapshot
- Renasant (RNST) Reports Q3 Earnings: What Key Metrics Have to Say
Compare Renasant Corporation with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs RNST |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs RNST |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs RNST |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs RNST |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs RNST |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs RNST |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs RNST |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs RNST |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs RNST |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs RNST |
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Key figures of Renasant Corporation
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