Renasant (RNST) Financials

$32.01 +0.90 (+2.90%)

As of 04/24/2025 03:53 PM Eastern

Annual Income Statements for Renasant

This table shows Renasant's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	60	68	91	92	147	168	84	176	166	145	195
Consolidated Net Income / (Loss)	60	68	91	92	147	168	84	176	166	145	195
Net Income / (Loss) Continuing Operations	60	68	91	92	147	168	84	176	166	145	195
Total Pre-Tax Income	86	100	136	160	189	216	103	223	211	177	245
Total Revenue	283	350	438	469	540	597	662	651	631	632	716
Net Interest Income / (Expense)	202	241	301	337	397	444	427	424	481	519	512
Total Interest Income	226	263	329	375	462	543	498	469	542	797	888
Loans and Leases Interest Income	200	236	302	344	428	501	466	435	480	716	806
Investment Securities Interest Income	26	27	26	28	30	35	31	32	53	50	42
Other Interest Income	0.40	0.22	0.46	2.31	3.08	5.89	1.19	1.69	8.85	30	40
Total Interest Expense	24	22	28	38	65	99	71	45	61	278	376
Deposits Interest Expense	16	14	18	25	50	82	54	29	35	232	347
Long-Term Debt Interest Expense	7.71	7.95	10	13	16	17	17	16	25	46	29
Total Non-Interest Income	81	108	137	132	144	153	236	227	149	113	204
Trust Fees by Commissions	8.55	9.81	12	12	14	14	17	20	22	22	24
Service Charges on Deposit Accounts	-	-	32	33	35	36	31	37	40	39	42
Other Service Charges	69	95	39	39	41	38	32	46	42	50	37
Net Realized & Unrealized Capital Gains on Investments	0.38	0.10	1.19	0.15	-0.02	0.35	0.05	6.85	0.00	-22	53
Other Non-Interest Income	2.99	3.61	54	48	55	64	156	117	45	24	48
Provision for Credit Losses	6.17	4.75	7.53	7.55	6.81	7.05	87	-2.17	24	16	9.27
Total Non-Interest Expense	191	245	295	302	345	374	472	430	395	440	462
Salaries and Employee Benefits	115	145	172	185	214	251	302	281	262	282	284
Net Occupancy & Equipment Expense	32	41	52	54	61	69	75	69	60	62	62
Marketing Expense	5.92	6.11	7.08	8.25	9.46	12	10	12	14	15	16
Other Operating Expenses	32	35	48	37	39	34	70	56	52	76	82
Amortization Expense	5.61	6.07	6.75	6.53	7.18	8.11	7.12	6.04	5.12	5.38	4.69
Restructuring Charge	0.69	12	4.02	10	14	0.28	7.37	0.37	2.52	0.00	13
Income Tax Expense	26	32	45	68	42	48	20	47	45	33	50
Basic Earnings per Share	$1.89	$1.89	$2.18	$1.97	$2.80	$2.89	$1.49	$3.13	$2.97	$2.58	$3.29
Weighted Average Basic Shares Outstanding	31.50M	35.97M	41.74M	46.87M	52.50M	58M	56.24M	111.63M	56.02M	56.22M	63.66M
Diluted Earnings per Share	$1.88	$1.88	$2.17	$1.96	$2.79	$2.88	$1.48	$3.12	$2.95	$2.56	$3.27
Weighted Average Diluted Shares Outstanding	31.50M	35.97M	41.74M	46.87M	52.50M	58M	56.24M	111.63M	56.02M	56.22M	63.66M
Weighted Average Basic & Diluted Shares Outstanding	31.50M	35.97M	41.74M	46.87M	52.50M	58M	56.24M	111.63M	56.02M	56.22M	63.66M
Cash Dividends to Common per Share	$0.68	$0.68	$0.71	$0.73	$0.80	$0.87	$0.88	$0.88	$0.88	$0.88	$0.88

This table shows Renasant's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	47	46	46	29	42	28	39	39	72	45
Consolidated Net Income / (Loss)	47	46	46	29	42	28	39	39	72	45
Net Income / (Loss) Continuing Operations	47	46	46	29	42	28	39	39	72	45
Total Pre-Tax Income	60	59	57	35	53	32	49	49	97	50
Total Revenue	172	171	173	147	166	146	165	164	220	167
Net Interest Income / (Expense)	130	138	136	130	127	126	123	125	131	133
Total Interest Income	143	165	184	197	206	210	213	220	229	225
Loans and Leases Interest Income	125	147	164	176	185	192	195	202	207	203
Investment Securities Interest Income	15	15	15	14	11	11	11	10	10	11
Other Interest Income	3.46	2.78	5.43	6.98	10	7.84	7.78	7.87	12	12
Total Interest Expense	13	27	48	67	78	84	90	95	98	92
Deposits Interest Expense	7.24	17	33	51	71	77	83	88	91	86
Long-Term Debt Interest Expense	5.57	9.92	15	16	7.39	7.31	7.28	7.56	7.26	6.89
Total Non-Interest Income	41	33	37	17	38	20	41	39	89	34
Trust Fees by Commissions	5.47	5.24	5.14	5.34	5.99	5.67	5.67	5.68	5.84	6.37
Service Charges on Deposit Accounts	10	10	9.12	9.73	9.74	11	11	10	10	11
Other Service Charges	11	10	12	12	12	14	11	10	8.37	7.12
Other Non-Interest Income	15	7.66	12	12	10	-10	14	12	11	10
Provision for Credit Losses	9.80	11	6.46	2.00	4.62	2.52	2.44	3.30	0.94	2.60
Total Non-Interest Expense	102	101	109	110	108	112	113	112	122	115
Salaries and Employee Benefits	66	67	70	71	69	72	71	71	71	70
Net Occupancy & Equipment Expense	15	15	15	16	15	16	15	16	16	15
Marketing Expense	3.23	3.63	4.69	3.48	3.47	3.08	4.89	3.81	3.68	3.84
Other Operating Expenses	16	14	18	19	19	20	20	20	19	22
Amortization Expense	1.25	1.20	1.43	1.37	1.31	1.27	1.21	1.19	1.16	1.13
Income Tax Expense	14	13	11	6.63	11	3.79	9.91	9.67	25	5.01
Basic Earnings per Share	$0.83	$0.83	$0.82	$0.51	$0.75	$0.50	$0.70	$0.69	$1.18	$0.72
Weighted Average Basic Shares Outstanding	55.95M	56.02M	56.09M	56.14M	56.14M	56.22M	56.34M	63.56M	63.57M	63.66M
Diluted Earnings per Share	$0.83	$0.81	$0.82	$0.51	$0.74	$0.49	$0.70	$0.69	$1.18	$0.70
Weighted Average Diluted Shares Outstanding	55.95M	56.02M	56.09M	56.14M	56.14M	56.22M	56.34M	63.56M	63.57M	63.66M
Weighted Average Basic & Diluted Shares Outstanding	55.95M	56.02M	56.09M	56.14M	56.14M	56.22M	56.34M	63.56M	63.57M	63.66M
Cash Dividends to Common per Share	$0.22	$0.22	$0.22	$0.22	$0.22	$0.22	$0.22	$0.22	$0.22	$0.22

This table details how cash moves in and out of Renasant's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Change in Cash & Equivalents	-85	50	95	-25	288	-154	218	1,245	-1,302	225	291
Net Cash From Operating Activities	125	253	164	207	82	164	82	143	574	149	129
Net Cash From Continuing Operating Activities	125	253	164	207	82	164	82	143	574	149	129
Net Income / (Loss) Continuing Operations	60	68	91	92	147	168	84	176	166	145	195
Consolidated Net Income / (Loss)	60	68	91	92	147	168	84	176	166	145	195
Provision For Loan Losses	6.17	4.75	7.53	7.55	6.81	7.05	87	-2.17	24	16	9.27
Depreciation Expense	8.10	9.20	3.09	4.83	3.50	8.19	35	47	43	35	32
Non-Cash Adjustments to Reconcile Net Income	35	161	69	116	-21	-7.64	-91	-15	377	-19	-85
Changes in Operating Assets and Liabilities, net	16	9.64	-6.56	-14	-54	-12	-32	-63	-36	-28	-23
Net Cash From Investing Activities	-203	-247	-352	70	-503	-506	-1,266	-660	-2,044	-55	-298
Net Cash From Continuing Investing Activities	-203	-247	-352	70	-503	-506	-1,266	-660	-2,044	-55	-298
Purchase of Property, Leasehold Improvements and Equipment	-22	-25	-14	-13	-22	-35	-28	-21	-15	-22	-14
Purchase of Investment Securities	-401	-515	-660	-656	-807	-969	-1,730	-1,292	-2,490	-788	-713
Sale of Property, Leasehold Improvements and Equipment	2.91	2.22	2.46	2.10	0.92	3.73	0.00	9.81	1.23	0.94	0.34
Divestitures	0.00	25	25	42	154	-	-	-	0.00	0.00	55
Sale and/or Maturity of Investments	217	266	299	695	171	494	493	643	460	753	373
Net Cash From Financing Activities	-6.95	45	283	-301	709	188	1,402	1,762	168	132	459
Net Cash From Continuing Financing Activities	-6.95	45	283	-301	709	188	1,402	1,762	168	132	459
Net Change in Deposits	-3.49	2.22	489	-77	496	86	1,846	1,847	-419	590	496
Issuance of Debt	30	375	98	0.00	264	150	-370	197	669	-405	-200
Issuance of Common Equity	0.00	0.00	84	-	-	-	-	-	0.00	0.00	217
Repayment of Debt	-14	-309	-362	-190	-0.85	66	-0.17	-210	-32	-2.68	-0.25
Payment of Dividends	-22	-25	-30	-34	-44	-51	-50	-50	-50	-50	-54
Cash Interest Paid	24	22	26	37	67	98	74	46	55	240	381
Cash Income Taxes Paid	18	19	23	33	25	27	40	51	42	42	29

This table details how cash moves in and out of Renasant's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	-531	96	272	99	-206	60	43	7.51	424	-184
Net Cash From Operating Activities	113	111	-7.38	-24	80	100	65	-49	21	92
Net Cash From Continuing Operating Activities	113	111	-7.38	-24	80	100	65	-49	21	92
Net Income / (Loss) Continuing Operations	47	46	46	29	42	28	39	39	72	45
Consolidated Net Income / (Loss)	47	46	46	29	42	28	39	39	72	45
Provision For Loan Losses	9.80	11	6.46	2.00	4.62	2.52	2.44	3.30	0.94	2.60
Depreciation Expense	9.64	9.15	9.24	9.13	8.36	8.51	8.10	7.93	7.75	8.50
Non-Cash Adjustments to Reconcile Net Income	68	38	-45	-68	9.22	85	11	-72	-73	49
Changes in Operating Assets and Liabilities, net	-20	6.49	-24	4.12	16	-23	4.44	-27	13	-13
Net Cash From Investing Activities	-500	-456	-153	427	-185	-145	30	-73	69	-324
Net Cash From Continuing Investing Activities	-500	-456	-153	427	-185	-145	30	-73	69	-324
Purchase of Property, Leasehold Improvements and Equipment	-4.51	-4.46	-8.24	-4.12	-4.04	-5.24	-3.30	-3.48	-3.63	-3.24
Purchase of Investment Securities	-608	-534	-218	-132	-267	-171	-196	-115	-30	-371
Sale of Property, Leasehold Improvements and Equipment	0.30	0.00	0.00	-	-	0.94	0.26	0.03	0.05	0.01
Sale and/or Maturity of Investments	112	82	73	564	86	30	229	45	47	51
Net Cash From Financing Activities	-144	442	432	-304	-100	104	-52	130	333	48
Net Cash From Continuing Financing Activities	-144	442	432	-304	-100	104	-52	130	333	48
Net Change in Deposits	-332	55	425	183	62	-80	160	18	255	63
Issuance of Debt	200	399	20	-475	-150	200	-199	125	-124	-0.71
Payment of Dividends	-12	-13	-13	-13	-13	-13	-13	-13	-14	-14
Cash Interest Paid	13	22	41	51	62	86	91	96	100	94
Cash Income Taxes Paid	13	23	17	5.63	7.85	11	0.00	18	9.45	1.65

This table presents Renasant's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	5,805	7,926	8,700	9,830	12,935	13,401	14,930	16,810	16,988	17,361	18,035
Cash and Due from Banks	96	177	161	188	199	191	176	183	194	207	198
Interest Bearing Deposits at Other Banks	66	35	146	94	371	224	457	1,695	382	595	894
Trading Account Securities	984	1,105	1,031	671	1,662	1,609	1,761	2,840	2,968	2,324	2,203
Loans and Leases, Net of Allowance	3,946	5,371	6,160	7,574	9,034	9,637	10,758	-164	11,386	12,153	12,683
Loans and Leases	3,988	5,413	6,203	7,620	9,083	9,690	10,934	-	11,578	12,351	12,885
Allowance for Loan and Lease Losses	42	42	43	46	49	52	176	164	192	199	202
Premises and Equipment, Net	114	169	179	183	209	310	300	293	284	283	280
Goodwill	275	446	471	611	933	940	940	940	992	992	989
Intangible Assets	23	29	24	25	45	37	30	24	24	19	14
Other Assets	278	370	351	376	482	453	507	10,836	758	788	773
Total Liabilities & Shareholders' Equity	5,805	7,926	8,700	9,830	12,935	13,401	14,930	16,810	16,988	17,361	18,035
Total Liabilities	5,093	6,890	7,467	8,315	10,891	11,275	12,797	14,600	14,852	15,063	15,357
Non-Interest Bearing Deposits	920	1,278	1,561	1,840	2,319	2,552	3,685	4,718	4,559	3,584	3,404
Interest Bearing Deposits	3,919	4,940	5,498	6,081	7,810	7,661	8,374	9,188	8,928	10,493	11,169
Short-Term Debt	32	422	110	90	388	489	21	14	712	308	108
Long-Term Debt	156	148	202	208	264	377	475	471	428	429	431
Other Long-Term Liabilities	66	101	96	97	111	196	241	210	225	249	245
Total Equity & Noncontrolling Interests	712	1,037	1,233	1,515	2,044	2,126	2,133	2,210	2,136	2,297	2,678
Total Preferred & Common Equity	712	1,037	1,233	1,515	2,044	2,126	2,133	2,210	2,136	2,297	2,678
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	712	1,037	1,233	1,515	2,044	2,126	2,133	2,210	2,136	2,297	2,678
Common Stock	508	792	933	1,148	1,585	1,591	1,593	1,597	1,599	1,605	1,824
Retained Earnings	233	276	338	397	501	617	616	742	858	952	1,094
Treasury Stock	-22	-22	-22	-20	-24	-83	-102	-118	-112	-105	-97
Accumulated Other Comprehensive Income / (Loss)	-7.60	-9.54	-16	-11	-18	0.76	25	-10	-209	-154	-143

This table presents Renasant's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	16,471	17,474	17,224	17,182	17,346	17,510	17,959
Cash and Due from Banks	207	194	211	179	174	224	229
Interest Bearing Deposits at Other Banks	273	654	735	562	670	628	1,047
Trading Account Securities	3,067	2,967	2,474	2,396	2,155	2,191	2,207
Loans and Leases, Net of Allowance	0.00	11,571	11,736	11,970	12,299	12,405	12,427
Loans and Leases	-	11,766	11,931	12,168	12,501	12,605	12,628
Allowance for Loan and Lease Losses	-	195	194	198	201	200	200
Premises and Equipment, Net	284	287	286	284	282	281	281
Goodwill	946	992	992	992	992	992	989
Intangible Assets	20	23	21	20	18	16	15
Other Assets	11,671	12,358	764	769	755	766	764
Total Liabilities & Shareholders' Equity	16,471	17,474	17,224	17,182	17,346	17,510	17,959
Total Liabilities	14,379	15,287	15,016	14,948	15,023	15,156	15,301
Non-Interest Bearing Deposits	4,827	4,245	3,879	3,734	3,516	3,539	3,530
Interest Bearing Deposits	8,605	9,667	10,216	10,423	10,721	10,716	10,980
Short-Term Debt	313	732	257	108	108	233	109
Long-Term Debt	427	431	430	427	428	429	433
Other Long-Term Liabilities	207	212	233	256	250	239	249
Total Equity & Noncontrolling Interests	2,092	2,187	2,209	2,233	2,322	2,355	2,658
Total Preferred & Common Equity	2,092	2,187	2,209	2,233	2,322	2,355	2,658
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	2,092	2,187	2,209	2,233	2,322	2,355	2,658
Common Stock	1,596	1,596	1,598	1,601	1,600	1,601	1,821
Retained Earnings	824	891	907	937	979	1,005	1,063
Treasury Stock	-112	-108	-106	-105	-100	-98	-97
Accumulated Other Comprehensive Income / (Loss)	-216	-192	-191	-199	-157	-154	-129

This table displays calculated financial ratios and metrics derived from Renasant's official financial filings.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	23.56%	23.55%	25.39%	6.99%	15.23%	10.44%	10.96%	-1.71%	-3.14%	0.29%	13.20%
EBITDA Growth	71.39%	15.92%	27.45%	18.60%	16.66%	16.51%	-38.30%	95.60%	-5.97%	-16.39%	30.52%
EBIT Growth	87.75%	16.16%	36.10%	17.74%	18.00%	14.33%	-52.02%	115.31%	-5.17%	-16.15%	38.25%
NOPAT Growth	77.93%	14.15%	33.69%	1.38%	59.37%	14.07%	-50.09%	110.27%	-5.59%	-12.88%	35.10%
Net Income Growth	77.93%	14.15%	33.69%	1.38%	59.37%	14.07%	-50.09%	110.27%	-5.59%	-12.88%	35.10%
EPS Growth	54.10%	0.00%	15.43%	-9.68%	42.35%	3.23%	-48.61%	110.81%	-5.45%	-13.22%	27.73%
Operating Cash Flow Growth	-18.66%	102.61%	-35.16%	26.40%	-60.34%	99.27%	-49.74%	73.46%	302.39%	-74.12%	-12.88%
Free Cash Flow Firm Growth	97.61%	-18,873.09%	123.99%	-214.30%	-320.23%	82.55%	447.12%	-75.35%	-477.80%	193.11%	-96.67%
Invested Capital Growth	7.52%	78.50%	-3.88%	17.30%	48.72%	10.98%	-12.11%	2.51%	21.57%	-7.39%	6.02%
Revenue Q/Q Growth	0.29%	10.79%	1.04%	3.85%	5.08%	-0.91%	3.87%	-3.26%	3.64%	-3.79%	2.99%
EBITDA Q/Q Growth	11.11%	10.16%	-0.05%	8.32%	5.08%	-3.09%	0.03%	4.28%	2.82%	-11.61%	6.88%
EBIT Q/Q Growth	8.98%	9.14%	2.87%	7.86%	6.06%	-4.29%	-8.41%	4.74%	5.36%	-13.33%	7.86%
NOPAT Q/Q Growth	7.85%	8.91%	2.80%	-7.17%	23.45%	-3.46%	-7.61%	3.25%	5.88%	-11.15%	9.30%
Net Income Q/Q Growth	7.85%	8.91%	2.80%	-7.17%	23.45%	-3.46%	-7.61%	3.25%	5.88%	-11.15%	9.30%
EPS Q/Q Growth	7.43%	1.62%	1.88%	-10.91%	18.72%	-3.03%	-7.50%	4.00%	4.98%	-11.11%	6.86%
Operating Cash Flow Q/Q Growth	4.76%	54.04%	-34.00%	126.38%	-47.57%	48.71%	-53.74%	11.13%	11.34%	-6.61%	-6.05%
Free Cash Flow Firm Q/Q Growth	91.25%	-7.57%	150.91%	55.39%	-223.57%	-282.30%	1,935.68%	1.50%	-4,721.68%	70.83%	105.09%
Invested Capital Q/Q Growth	-2.98%	1.44%	-4.14%	-13.85%	10.00%	17.15%	0.27%	0.41%	15.69%	9.61%	0.53%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	33.21%	31.16%	31.68%	35.11%	35.55%	37.51%	20.85%	41.50%	40.29%	33.59%	38.73%
EBIT Margin	30.35%	28.53%	30.97%	34.08%	34.90%	36.13%	15.63%	34.23%	33.51%	28.02%	34.22%
Profit (Net Income) Margin	21.05%	19.45%	20.74%	19.65%	27.18%	28.08%	12.63%	27.02%	26.34%	22.88%	27.30%
Tax Burden Percent	69.37%	68.17%	66.97%	57.66%	77.88%	77.70%	80.83%	78.94%	78.59%	81.65%	79.79%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	30.63%	31.83%	33.03%	42.34%	22.12%	22.30%	19.17%	21.06%	21.41%	18.35%	20.21%
Return on Invested Capital (ROIC)	6.86%	5.42%	5.77%	5.49%	6.52%	5.89%	2.98%	6.61%	5.56%	4.59%	6.25%
ROIC Less NNEP Spread (ROIC-NNEP)	6.86%	5.42%	5.77%	5.49%	6.52%	5.89%	2.98%	6.61%	5.56%	4.59%	6.25%
Return on Net Nonoperating Assets (RNNOA)	1.80%	2.36%	2.24%	1.22%	1.74%	2.14%	0.95%	1.49%	2.08%	1.94%	1.60%
Return on Equity (ROE)	8.65%	7.78%	8.01%	6.71%	8.26%	8.04%	3.93%	8.10%	7.64%	6.53%	7.86%
Cash Return on Invested Capital (CROIC)	-0.39%	-50.95%	9.72%	-10.43%	-32.66%	-4.52%	15.87%	4.13%	-13.91%	12.26%	0.41%
Operating Return on Assets (OROA)	1.49%	1.45%	1.63%	1.73%	1.66%	1.64%	0.73%	1.40%	1.25%	1.03%	1.38%
Return on Assets (ROA)	1.03%	0.99%	1.09%	1.00%	1.29%	1.27%	0.59%	1.11%	0.98%	0.84%	1.10%
Return on Common Equity (ROCE)	8.65%	7.78%	8.01%	6.71%	8.26%	8.04%	3.93%	8.10%	7.64%	6.53%	7.86%
Return on Equity Simple (ROE_SIMPLE)	8.37%	6.56%	7.38%	6.09%	7.19%	7.88%	3.92%	7.96%	7.77%	6.30%	7.30%
Net Operating Profit after Tax (NOPAT)	60	68	91	92	147	168	84	176	166	145	195
NOPAT Margin	21.05%	19.45%	20.74%	19.65%	27.18%	28.08%	12.63%	27.02%	26.34%	22.88%	27.30%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	54.01%	55.05%	52.84%	52.66%	52.64%	55.56%	58.50%	55.51%	53.24%	56.63%	50.56%
Operating Expenses to Revenue	67.47%	70.11%	67.31%	64.31%	63.84%	62.69%	71.26%	66.10%	62.70%	69.52%	64.48%
Earnings before Interest and Taxes (EBIT)	86	100	136	160	189	216	103	223	211	177	245
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	94	109	139	165	192	224	138	270	254	212	277
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.02	1.08	1.19	1.12	0.74	0.84	0.81	0.89	0.93	0.80	0.85
Price to Tangible Book Value (P/TBV)	1.75	2.00	1.99	1.93	1.43	1.55	1.48	1.58	1.77	1.43	1.36
Price to Revenue (P/Rev)	2.56	3.21	3.35	3.62	2.82	2.99	2.60	3.03	3.15	2.91	3.17
Price to Earnings (P/E)	12.16	16.53	16.17	18.42	10.36	10.65	20.60	11.20	11.96	12.71	11.63
Dividend Yield	2.96%	2.44%	2.03%	2.12%	3.09%	2.79%	2.87%	2.49%	2.48%	2.69%	2.46%
Earnings Yield	8.23%	6.05%	6.18%	5.43%	9.65%	9.39%	4.85%	8.93%	8.36%	7.87%	8.60%
Enterprise Value to Invested Capital (EV/IC)	0.83	0.92	0.96	0.95	0.60	0.75	0.60	0.21	0.78	0.58	0.53
Enterprise Value to Revenue (EV/Rev)	2.66	4.24	3.37	3.65	2.97	3.74	2.39	0.89	4.04	2.81	2.40
Enterprise Value to EBITDA (EV/EBITDA)	8.00	13.61	10.63	10.41	8.35	9.98	11.48	2.14	10.04	8.36	6.20
Enterprise Value to EBIT (EV/EBIT)	8.75	14.86	10.87	10.72	8.50	10.36	15.33	2.59	12.07	10.02	7.02
Enterprise Value to NOPAT (EV/NOPAT)	12.61	21.80	16.24	18.59	10.92	13.33	18.96	3.28	15.36	12.27	8.80
Enterprise Value to Operating Cash Flow (EV/OCF)	6.03	5.87	9.01	8.28	19.54	13.66	19.29	4.05	4.44	11.95	13.28
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	9.64	0.00	0.00	0.00	3.56	5.26	0.00	4.59	133.60
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.27	0.55	0.25	0.20	0.32	0.41	0.23	0.22	0.53	0.32	0.20
Long-Term Debt to Equity	0.22	0.14	0.16	0.14	0.13	0.18	0.22	0.21	0.20	0.19	0.16
Financial Leverage	0.26	0.43	0.39	0.22	0.27	0.36	0.32	0.23	0.37	0.42	0.26
Leverage Ratio	8.39	7.85	7.33	6.74	6.40	6.32	6.65	7.31	7.78	7.75	7.11
Compound Leverage Factor	8.39	7.85	7.33	6.74	6.40	6.32	6.65	7.31	7.78	7.75	7.11
Debt to Total Capital	20.97%	35.49%	20.20%	16.41%	24.17%	28.94%	18.88%	18.00%	34.81%	24.29%	16.74%
Short-Term Debt to Total Capital	3.60%	26.27%	7.10%	4.96%	14.38%	16.35%	0.81%	0.52%	21.74%	10.14%	3.36%
Long-Term Debt to Total Capital	17.37%	9.22%	13.10%	11.45%	9.78%	12.59%	18.07%	17.48%	13.07%	14.15%	13.39%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	79.03%	64.51%	79.80%	83.59%	75.83%	71.06%	81.12%	82.00%	65.19%	75.71%	83.26%
Debt to EBITDA	2.01	5.24	2.25	1.81	3.39	3.87	3.59	1.80	4.49	3.47	1.94
Net Debt to EBITDA	0.29	3.29	0.04	0.10	0.43	2.01	-0.99	-5.16	2.22	-0.30	-2.00
Long-Term Debt to EBITDA	1.66	1.36	1.46	1.26	1.37	1.68	3.44	1.74	1.69	2.02	1.55
Debt to NOPAT	3.17	8.39	3.43	3.23	4.43	5.16	5.93	2.76	6.87	5.09	2.76
Net Debt to NOPAT	0.46	5.28	0.07	0.17	0.56	2.69	-1.64	-7.92	3.40	-0.44	-2.83
Long-Term Debt to NOPAT	2.63	2.18	2.23	2.25	1.79	2.25	5.68	2.68	2.58	2.97	2.20
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-3.37	-639	153	-175	-736	-128	446	110	-415	387	13
Operating Cash Flow to CapEx	647.10%	1,100.95%	1,475.91%	1,891.49%	383.00%	523.79%	290.92%	1,332.89%	4,219.68%	717.96%	973.05%
Free Cash Flow to Firm to Interest Expense	-0.14	-29.49	5.44	-4.63	-11.27	-1.30	6.25	2.46	-6.86	1.39	0.03
Operating Cash Flow to Interest Expense	5.21	11.66	5.82	5.47	1.26	1.65	1.15	3.19	9.49	0.53	0.34
Operating Cash Flow Less CapEx to Interest Expense	4.41	10.60	5.43	5.18	0.93	1.34	0.76	2.95	9.26	0.46	0.31
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04
Fixed Asset Turnover	2.63	2.47	2.52	2.59	2.75	2.30	2.17	2.19	2.19	2.23	2.54
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	900	1,607	1,545	1,812	2,695	2,991	2,629	2,695	3,276	3,034	3,217
Invested Capital Turnover	0.33	0.28	0.28	0.28	0.24	0.21	0.24	0.24	0.21	0.20	0.23
Increase / (Decrease) in Invested Capital	63	707	-62	267	883	296	-362	66	581	-242	183
Enterprise Value (EV)	752	1,483	1,476	1,714	1,604	2,235	1,586	578	2,550	1,775	1,719
Market Capitalization	724	1,124	1,471	1,698	1,522	1,784	1,723	1,971	1,986	1,839	2,272
Book Value per Share	$22.57	$25.75	$29.28	$30.72	$34.81	$37.13	$37.95	$39.64	$38.18	$40.92	$42.13
Tangible Book Value per Share	$13.14	$13.96	$17.54	$17.83	$18.16	$20.07	$20.69	$22.35	$20.02	$22.92	$26.36
Total Capital	900	1,607	1,545	1,812	2,695	2,991	2,629	2,695	3,276	3,034	3,217
Total Debt	189	570	312	297	651	866	496	485	1,140	737	539
Total Long-Term Debt	156	148	202	208	264	377	475	471	428	429	431
Net Debt	27	359	5.91	16	82	451	-137	-1,393	564	-64	-553
Capital Expenditures (CapEx)	19	23	11	11	21	31	28	11	14	21	13
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	189	570	312	297	651	866	496	485	1,140	737	539
Total Depreciation and Amortization (D&A)	8.10	9.20	3.09	4.83	3.50	8.19	35	47	43	35	32
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.89	$1.89	$2.18	$1.97	$2.80	$2.89	$1.49	$3.13	$2.97	$2.58	$3.29
Adjusted Weighted Average Basic Shares Outstanding	31.60M	40.35M	44.36M	49.34M	58.57M	56.56M	56.24M	111.63M	56.02M	56.22M	63.66M
Adjusted Diluted Earnings per Share	$1.88	$1.88	$2.17	$1.96	$2.79	$2.88	$1.48	$3.12	$2.95	$2.56	$3.27
Adjusted Weighted Average Diluted Shares Outstanding	31.60M	40.35M	44.36M	49.34M	58.57M	56.56M	56.24M	111.63M	56.02M	56.22M	63.66M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$2.89	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	31.60M	40.35M	44.36M	49.34M	58.57M	56.56M	56.24M	111.63M	56.02M	56.22M	63.66M
Normalized Net Operating Profit after Tax (NOPAT)	60	76	97	98	158	168	90	181	168	145	206
Normalized NOPAT Margin	21.22%	21.72%	22.06%	20.96%	29.24%	28.12%	13.54%	27.81%	26.65%	22.88%	28.79%
Pre Tax Income Margin	30.35%	28.53%	30.97%	34.08%	34.90%	36.13%	15.63%	34.23%	33.51%	28.02%	34.22%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	3.59	4.60	4.82	4.22	2.89	2.18	1.45	4.99	3.49	0.64	0.65
NOPAT to Interest Expense	2.49	3.14	3.23	2.44	2.25	1.69	1.17	3.94	2.74	0.52	0.52
EBIT Less CapEx to Interest Expense	2.78	3.55	4.43	3.93	2.56	1.86	1.05	4.75	3.27	0.56	0.62
NOPAT Less CapEx to Interest Expense	1.68	2.08	2.84	2.15	1.92	1.38	0.78	3.70	2.52	0.45	0.49
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	36.11%	36.11%	32.70%	37.33%	29.69%	30.37%	59.93%	28.44%	30.10%	34.75%	27.49%
Augmented Payout Ratio	36.11%	36.11%	32.70%	37.33%	34.49%	67.93%	89.30%	40.55%	30.10%	34.75%	27.49%

This table displays calculated financial ratios and metrics derived from Renasant's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	11.33%	14.87%	26.25%	-2.18%	-3.45%	-14.55%	-4.85%	11.09%	33.04%	14.21%
EBITDA Growth	10.38%	11.36%	22.75%	-28.01%	-12.64%	-40.83%	-13.83%	27.11%	72.47%	44.13%
EBIT Growth	17.33%	22.19%	38.37%	-30.19%	-12.52%	-46.06%	-14.07%	37.52%	85.13%	55.91%
NOPAT Growth	16.23%	24.89%	37.35%	-27.81%	-10.17%	-39.23%	-14.47%	35.62%	73.20%	59.11%
Net Income Growth	16.23%	24.89%	37.35%	-27.81%	-10.17%	-39.23%	-14.47%	35.62%	73.20%	59.11%
EPS Growth	16.90%	20.90%	36.67%	-28.17%	-10.84%	-39.51%	-14.63%	35.29%	59.46%	42.86%
Operating Cash Flow Growth	179.37%	111.36%	-103.59%	-116.79%	-29.75%	-9.47%	981.29%	-103.15%	-73.20%	-8.30%
Free Cash Flow Firm Growth	-360.61%	-1,750.77%	-22,854.24%	-408.38%	204.02%	150.49%	185.70%	60.31%	-440.85%	-151.03%
Invested Capital Growth	5.51%	21.57%	24.82%	8.81%	-2.24%	-7.39%	-14.68%	4.16%	15.59%	6.02%
Revenue Q/Q Growth	13.78%	-0.16%	1.07%	-14.81%	12.30%	-11.64%	12.55%	-0.54%	34.50%	-24.15%
EBITDA Q/Q Growth	13.12%	-2.09%	-2.46%	-33.36%	37.28%	-33.69%	42.06%	-1.70%	86.27%	-44.59%
EBIT Q/Q Growth	18.99%	-1.61%	-2.98%	-38.54%	49.10%	-39.33%	54.56%	-1.64%	100.73%	-48.91%
NOPAT Q/Q Growth	17.36%	-0.62%	-0.43%	-37.84%	46.05%	-32.77%	40.13%	-1.43%	86.52%	-38.24%
Net Income Q/Q Growth	17.36%	-0.62%	-0.43%	-37.84%	46.05%	-32.77%	40.13%	-1.43%	86.52%	-38.24%
EPS Q/Q Growth	16.90%	-2.41%	1.23%	-37.80%	45.10%	-33.78%	42.86%	-1.43%	71.01%	-40.68%
Operating Cash Flow Q/Q Growth	-21.19%	-2.17%	-106.65%	-227.26%	429.76%	26.07%	-35.22%	-175.44%	143.51%	331.34%
Free Cash Flow Firm Q/Q Growth	-251.75%	-428.27%	-15.88%	66.80%	151.19%	156.38%	96.69%	-115.38%	-339.54%	61.62%
Invested Capital Q/Q Growth	6.42%	15.69%	2.26%	-13.58%	-4.39%	9.61%	-5.80%	5.51%	6.10%	0.53%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	40.68%	39.90%	38.50%	30.12%	36.81%	27.63%	34.87%	34.46%	47.72%	34.86%
EBIT Margin	35.06%	34.55%	33.17%	23.93%	31.77%	21.81%	29.95%	29.62%	44.20%	29.77%
Profit (Net Income) Margin	27.15%	27.03%	26.62%	19.43%	25.26%	19.22%	23.93%	23.72%	32.89%	26.78%
Tax Burden Percent	77.44%	78.22%	80.28%	81.19%	79.53%	88.13%	79.90%	80.08%	74.41%	89.94%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	22.56%	21.78%	19.72%	18.81%	20.47%	11.87%	20.10%	19.93%	25.59%	10.06%
Return on Invested Capital (ROIC)	5.99%	5.71%	5.88%	4.64%	5.93%	3.85%	4.81%	5.14%	7.66%	6.13%
ROIC Less NNEP Spread (ROIC-NNEP)	5.99%	5.71%	5.88%	4.64%	5.93%	3.85%	4.81%	5.14%	7.66%	6.13%
Return on Net Nonoperating Assets (RNNOA)	1.70%	2.13%	2.33%	1.32%	1.75%	1.63%	1.81%	1.52%	1.69%	1.57%
Return on Equity (ROE)	7.69%	7.84%	8.21%	5.96%	7.68%	5.48%	6.62%	6.66%	9.35%	7.71%
Cash Return on Invested Capital (CROIC)	0.33%	-13.91%	-16.16%	-2.41%	8.08%	12.26%	20.29%	0.94%	-8.47%	0.41%
Operating Return on Assets (OROA)	1.31%	1.29%	1.29%	0.94%	1.24%	0.80%	1.07%	1.09%	1.75%	1.20%
Return on Assets (ROA)	1.01%	1.01%	1.03%	0.76%	0.99%	0.71%	0.86%	0.87%	1.30%	1.08%
Return on Common Equity (ROCE)	7.69%	7.84%	8.21%	5.96%	7.68%	5.48%	6.62%	6.66%	9.35%	7.71%
Return on Equity Simple (ROE_SIMPLE)	7.50%	0.00%	8.17%	7.59%	7.29%	0.00%	5.94%	6.29%	6.73%	0.00%
Net Operating Profit after Tax (NOPAT)	47	46	46	29	42	28	39	39	72	45
NOPAT Margin	27.15%	27.03%	26.62%	19.43%	25.26%	19.22%	23.93%	23.72%	32.89%	26.78%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	49.26%	50.02%	51.75%	60.82%	53.38%	61.89%	55.60%	55.15%	41.10%	53.59%
Operating Expenses to Revenue	59.23%	59.28%	63.10%	74.72%	65.45%	76.47%	68.57%	68.37%	55.37%	68.67%
Earnings before Interest and Taxes (EBIT)	60	59	57	35	53	32	49	49	97	50
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	70	68	67	44	61	40	57	56	105	58
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.80	0.93	0.75	0.64	0.64	0.80	0.75	0.73	0.78	0.85
Price to Tangible Book Value (P/TBV)	1.48	1.77	1.41	1.19	1.17	1.43	1.33	1.28	1.25	1.36
Price to Revenue (P/Rev)	2.74	3.15	2.48	2.14	2.17	2.91	2.80	2.69	2.97	3.17
Price to Earnings (P/E)	10.61	11.96	9.24	8.49	8.78	12.71	12.64	11.61	11.55	11.63
Dividend Yield	2.96%	2.48%	2.99%	3.47%	3.46%	2.69%	2.83%	2.88%	2.71%	2.46%
Earnings Yield	9.43%	8.36%	10.82%	11.78%	11.39%	7.87%	7.91%	8.61%	8.66%	8.60%
Enterprise Value to Invested Capital (EV/IC)	0.68	0.78	0.59	0.40	0.44	0.58	0.50	0.51	0.42	0.53
Enterprise Value to Revenue (EV/Rev)	3.16	4.04	2.95	1.75	1.86	2.81	2.30	2.39	1.92	2.40
Enterprise Value to EBITDA (EV/EBITDA)	7.79	10.04	7.38	4.67	5.09	8.36	7.07	7.11	5.13	6.20
Enterprise Value to EBIT (EV/EBIT)	9.59	12.07	8.65	5.48	5.98	10.02	8.50	8.39	5.86	7.02
Enterprise Value to NOPAT (EV/NOPAT)	12.27	15.36	11.00	6.94	7.51	12.27	10.41	10.32	7.45	8.80
Enterprise Value to Operating Cash Flow (EV/OCF)	3.73	4.44	5.45	6.03	7.69	11.95	6.50	7.80	9.67	13.28
Enterprise Value to Free Cash Flow (EV/FCFF)	214.12	0.00	0.00	0.00	5.40	4.59	2.28	55.32	0.00	133.60
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.35	0.53	0.53	0.31	0.24	0.32	0.23	0.28	0.20	0.20
Long-Term Debt to Equity	0.20	0.20	0.20	0.19	0.19	0.19	0.18	0.18	0.16	0.16
Financial Leverage	0.28	0.37	0.40	0.28	0.29	0.42	0.38	0.30	0.22	0.26
Leverage Ratio	7.59	7.78	7.94	7.82	7.78	7.75	7.72	7.61	7.18	7.11
Compound Leverage Factor	7.59	7.78	7.94	7.82	7.78	7.75	7.72	7.61	7.18	7.11
Debt to Total Capital	26.12%	34.81%	34.72%	23.72%	19.33%	24.29%	18.76%	21.93%	16.93%	16.74%
Short-Term Debt to Total Capital	11.05%	21.74%	21.85%	8.89%	3.89%	10.14%	3.78%	7.72%	3.40%	3.36%
Long-Term Debt to Total Capital	15.07%	13.07%	12.87%	14.84%	15.44%	14.15%	14.97%	14.21%	13.54%	13.39%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	73.88%	65.19%	65.28%	76.28%	80.67%	75.71%	81.24%	78.07%	83.07%	83.26%
Debt to EBITDA	2.99	4.49	4.37	2.76	2.23	3.47	2.64	3.07	2.09	1.94
Net Debt to EBITDA	1.05	2.22	1.18	-1.04	-0.86	-0.30	-1.52	-0.89	-2.83	-2.00
Long-Term Debt to EBITDA	1.73	1.69	1.62	1.72	1.78	2.02	2.11	1.99	1.67	1.55
Debt to NOPAT	4.72	6.87	6.51	4.10	3.29	5.09	3.89	4.46	3.03	2.76
Net Debt to NOPAT	1.66	3.40	1.77	-1.55	-1.27	-0.44	-2.23	-1.29	-4.10	-2.83
Long-Term Debt to NOPAT	2.72	2.58	2.41	2.56	2.62	2.97	3.10	2.89	2.42	2.20
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-101	-535	-620	-206	105	270	531	-82	-359	-138
Operating Cash Flow to CapEx	2,692.33%	2,487.40%	-89.62%	-586.93%	1,971.39%	2,337.19%	2,140.03%	-1,424.59%	595.73%	2,849.47%
Free Cash Flow to Firm to Interest Expense	-7.90	-19.65	-12.85	-3.07	1.35	3.20	5.91	-0.86	-3.66	-1.49
Operating Cash Flow to Interest Expense	8.85	4.07	-0.15	-0.36	1.02	1.19	0.72	-0.52	0.22	1.00
Operating Cash Flow Less CapEx to Interest Expense	8.52	3.91	-0.32	-0.42	0.97	1.14	0.69	-0.55	0.18	0.96
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	2.10	2.19	2.33	2.33	2.31	2.23	2.19	2.26	2.46	2.54
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	2,832	3,276	3,350	2,896	2,768	3,034	2,859	3,016	3,200	3,217
Invested Capital Turnover	0.22	0.21	0.22	0.24	0.23	0.20	0.20	0.22	0.23	0.23
Increase / (Decrease) in Invested Capital	148	581	666	234	-64	-242	-492	121	432	183
Enterprise Value (EV)	1,924	2,550	1,965	1,162	1,223	1,775	1,437	1,530	1,332	1,719
Market Capitalization	1,664	1,986	1,650	1,422	1,429	1,839	1,745	1,721	2,066	2,272
Book Value per Share	$37.40	$38.18	$39.05	$39.37	$39.78	$40.92	$41.22	$41.80	$41.82	$42.13
Tangible Book Value per Share	$20.12	$20.02	$20.94	$21.31	$21.76	$22.92	$23.31	$23.90	$26.02	$26.36
Total Capital	2,832	3,276	3,350	2,896	2,768	3,034	2,859	3,016	3,200	3,217
Total Debt	740	1,140	1,163	687	535	737	536	661	542	539
Total Long-Term Debt	427	428	431	430	427	429	428	429	433	431
Net Debt	260	564	315	-260	-206	-64	-308	-190	-734	-553
Capital Expenditures (CapEx)	4.21	4.46	8.24	4.12	4.04	4.30	3.04	3.45	3.58	3.23
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	740	1,140	1,163	687	535	737	536	661	542	539
Total Depreciation and Amortization (D&A)	9.64	9.15	9.24	9.13	8.36	8.51	8.10	7.93	7.75	8.50
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.83	$0.83	$0.82	$0.51	$0.75	$0.50	$0.70	$0.69	$1.18	$0.72
Adjusted Weighted Average Basic Shares Outstanding	55.95M	56.02M	56.09M	56.14M	56.14M	56.22M	56.34M	63.56M	63.57M	63.66M
Adjusted Diluted Earnings per Share	$0.83	$0.81	$0.82	$0.51	$0.74	$0.49	$0.70	$0.69	$1.18	$0.70
Adjusted Weighted Average Diluted Shares Outstanding	55.95M	56.02M	56.09M	56.14M	56.14M	56.22M	56.34M	63.56M	63.57M	63.66M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	55.95M	56.02M	56.09M	56.14M	56.14M	56.22M	56.34M	63.56M	63.57M	63.66M
Normalized Net Operating Profit after Tax (NOPAT)	47	47	46	29	42	28	39	39	81	45
Normalized NOPAT Margin	27.15%	27.53%	26.62%	19.43%	25.26%	19.22%	23.93%	23.72%	36.70%	26.78%
Pre Tax Income Margin	35.06%	34.55%	33.17%	23.93%	31.77%	21.81%	29.95%	29.62%	44.20%	29.77%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	4.69	2.17	1.19	0.53	0.67	0.38	0.55	0.51	0.99	0.54
NOPAT to Interest Expense	3.63	1.70	0.95	0.43	0.53	0.33	0.44	0.41	0.74	0.48
EBIT Less CapEx to Interest Expense	4.36	2.01	1.02	0.47	0.62	0.33	0.51	0.47	0.96	0.50
NOPAT Less CapEx to Interest Expense	3.31	1.54	0.78	0.37	0.48	0.28	0.40	0.37	0.70	0.45
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	31.83%	30.10%	28.02%	29.92%	30.83%	34.75%	36.50%	34.03%	29.12%	27.49%
Augmented Payout Ratio	31.83%	30.10%	28.02%	29.92%	30.83%	34.75%	36.50%	34.03%	29.12%	27.49%

Frequently Asked Questions About Renasant's Financials

When does Renasant's financial year end?

According to the most recent income statement we have on file, Renasant's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Renasant's net income changed over the last 10 years?

Renasant's net income appears to be on an upward trend, with a most recent value of $195.46 million in 2024, rising from $59.58 million in 2014. The previous period was $144.68 million in 2023.

How has Renasant revenue changed over the last 10 years?

Over the last 10 years, Renasant's total revenue changed from $282.99 million in 2014 to $715.86 million in 2024, a change of 153.0%.

How much debt does Renasant have?

Renasant's total liabilities were at $15.36 billion at the end of 2024, a 1.9% increase from 2023, and a 201.5% increase since 2014.

How much cash does Renasant have?

In the past 10 years, Renasant's cash and equivalents has ranged from $95.79 million in 2014 to $206.68 million in 2023, and is currently $198.41 million as of their latest financial filing in 2024.

How has Renasant's book value per share changed over the last 10 years?

Over the last 10 years, Renasant's book value per share changed from 22.57 in 2014 to 42.13 in 2024, a change of 86.7%.

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This page (NASDAQ:RNST) was last updated on 4/25/2025 by MarketBeat.com Staff

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Renasant (RNST) Financials

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