Renasant Corporation research snapshot
RNST AI stock analysis as of the August 4, 2026 data cutoff reads Renasant Corporation as a profitably growing Southeast regional bank with improving efficiency, disciplined credit, and stronger earnings momentum after a strong first half of 2026. The stock traded at $43.89 on August 3, 2026 at 12:24 PM EDT, up 0.31 or 0.72% from the $43.57 July 31 close, within a day range of $42.17 to $44.12, carrying a market capitalization near $4.01 billion, reported by StockAnalysis.com and consistent with $43.89 times 91.40 million shares outstanding. Renasant reported Q2 2026 net income of $87.1 million and diluted EPS of $0.94, with adjusted diluted EPS of $0.94 up 36% year over year, adjusted ROA of 1.30%, adjusted ROTCE of 16.25%, and an efficiency ratio that improved from 67.6% a year ago to 57.9%. Loans rose $220.9 million on a linked quarter basis, or 4.7% annualized, while deposits fell $398.4 million mostly because of seasonal public fund outflows, and the company reaffirmed mid-single-digit loan and deposit growth for the year. The RNST AI stock forecast uses scenario-based ranges because regional bank earnings depend on net interest margin, deposit costs, loan growth, commercial credit quality, and capital management. This page is informational research and not investment advice.
Current price
$43.89 at the August 3, 2026, 12:24 PM EDT reading, up 0.31 or 0.72% from the $43.57 July 31 close, within a day range of $42.17 to $44.12
Market cap
$4.01 billion
AI score
72 / 100
Rating
Profitable Southeast regional bank with improving efficiency and credit metrics, stronger earnings momentum, and a reasonable valuation near book value
Trend status
Above the 50-day and 200-day moving averages and near the 52-week high, with RSI in neutral to modestly positive territory
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Renasant is a community and regional bank holding company with about $27.0 billion in assets, offering consumer and commercial banking, asset-based lending, factoring, wealth management, trust, and fiduciary services across the Southeast with roughly $19.2 billion in gross loans and about $21.7 billion in deposits. | High |
| Moat | The moat comes from local branch relationships, small-business banking, treasury management, asset-based lending, and the inconvenience of moving primary banking relationships. The moat is narrower than large super-regional banks because customers have alternatives from online and national competitors. | Medium |
| Management | President and CEO Kevin D. Chapman runs a relationship-driven growth agenda, and CFO Jim Mabry pairs it with disciplined expense and credit management. Q2 2026 showed adjusted EPS up 36% year over year, an efficiency ratio near 57.9%, and more than 10,000 new accounts opened with roughly $380 million in new deposits. | Medium-high |
| Financial trend | TTM revenue near $1.06 billion and TTM net income of $314.06 million show strong profitability. H1 2026 net income was $175.3 million with diluted EPS of $1.88, and Q2 2026 delivered $87.1 million of net income, $0.94 of diluted EPS, adjusted ROA of 1.30%, and adjusted ROTCE of 16.25%. | High |
| Valuation | At $43.89, financial_rigor.py calculates about 13.2x TTM EPS, 1.04x book value, 3.75x sales, roughly 7.9% trailing ROE, roughly 7.1% FCF yield, and a 2.18% dividend yield using current data. | High |
| Technical trend | RNST is above its 50-day moving average near $42.26 to $42.32 and its 200-day moving average near $38.45 to $38.48, while RSI near 55.5 on StockAnalysis.com and 57.6 on Barchart shows firm but not extreme momentum. | Medium-high |
| Risk level | Main risks are commercial real estate payoff headwinds, deposit cost pressure, competitive loan pricing, net interest margin compression from rate changes, credit normalization from a low charge-off base, and small-cap valuation sensitivity to economic uncertainty. | Medium-high |
| AI confidence | High for disclosed facts, financial statement math, and valuation multiples. Medium for the forward scenario because small bank credit, deposit, payoff, and rate outcomes are harder to predict than those of larger diversified banks. | High data confidence |
| Investment certainty | Medium certainty. The page gives a research framework and scenario ranges, not a buy or sell instruction. | Medium |
RNST AI stock forecast
The RNST AI stock forecast uses scenario math around the $43.89 August 3, 2026 quote and the FY2026 adjusted EPS consensus of $3.78. The three-scenario framework produced a bearish area near $34, a base area near $48, and a bullish area near $64 before dividends, using adjusted EPS growth of 0%, 5%, and 9% and exit multiples of 9x, 11x, and 13x over three years. These are scenarios, not price commitments.
$58 to $68
More likely if loan growth keeps running at mid-single-digit or better, deposit costs stabilize, the core margin holds near 3.6% to 3.8%, credit losses stay low, efficiency keeps improving, and investors reward the stronger ROE with a mid-teens earnings multiple.
$45 to $52
More likely if adjusted EPS compounds in the mid-single digits, payoffs moderate, deposits rebuild from public fund seasonality, credit normalizes without material losses, capital returns continue, and RNST trades near an 11x to 12x forward multiple.
$30 to $36
More likely if commercial real estate payoff pressure deepens, deposit costs rise faster than asset yields, loan demand softens, charge-offs normalize well above the current 0.06% annualized level, or small-cap bank multiples compress meaningfully.
RNST AI technical analysis
RNST AI technical analysis shows a stock that has rallied from its early 2026 low and is trading near the top of its 52-week range. The Barchart and StockAnalysis.com technical data as of August 3, 2026 showed RNST at $43.89, with a 52-week range of $33.04 to $44.50, a 50-day moving average near $42.26 to $42.32, a 200-day moving average near $38.45 to $38.48, RSI near 55.5 to 57.6, and 20-day average volume near 635,000 to 663,000 shares.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $43.89 | StockAnalysis.com real-time quote at the August 3, 2026, 12:24 PM EDT reading, up 0.31 or 0.72% from the $43.57 July 31 close within a day range of $42.17 to $44.12; the reported $4.01 billion market cap matches $43.89 times 91.40 million shares outstanding. |
| Near support | $42.26 to $43.15 | The 50-day moving average near $42.26 to $42.32 and the 20-day moving average near $43.15 are the first trend support levels below the current quote. |
| Secondary support | $38.45 to $40.32 | The 100-day moving average near $40.32 and the 200-day moving average near $38.45 to $38.48 form the deeper support cluster for the intermediate trend. |
| Near resistance | $44.12 to $44.50 | The August 3 day high of $44.12 and the 52-week high of $44.50 are the first major upside references for any continuation attempt. |
| Secondary resistance | $46 to $50 | The analyst consensus price target of $48.00, with a low of $46 and a high of $50, provides the extended upside reference beyond the 52-week high. |
| Moving averages | 50-day $42.26, 200-day $38.45 | RNST trades above both major moving averages, confirming a constructive near-term and intermediate trend. |
| Momentum | RSI 55.5 to 57.6 | Momentum is firm but not overbought, with StockAnalysis.com reporting RSI near 55.53 and Barchart near 57.59 on a 14-day basis. |
| Volume | 20-day average volume about 635,000 to 663,000 shares | Breakouts above the $44.12 to $44.50 resistance area should ideally confirm with volume above this baseline. |
| Volatility | Beta 0.98 | RNST trades roughly in line with the broad market, but small-cap bank news can create outsized moves around earnings and rate decisions. |
| Invalidation | Close below $40.32, then $38.45 | A close below the 100-day moving average near $40.32 would weaken the near-term trend. A close below the 200-day moving average near $38.45 would damage the longer setup. |
RNST AI trading strategy
The RNST AI trading strategy is a rules-based framework for a small regional bank stock. It is not personalized advice and should be paired with live chart data, position sizing, earnings dates, deposit and credit trends, local economic data, and clear invalidation levels.
Watch for RNST to hold above the $43.15 20-day moving average and then clear the $44.12 to $44.50 resistance zone on above-average volume, with supportive regional bank sector breadth and stable deposit cost commentary.
A failed breakout back below the 20-day moving average, or a close below the $40.32 100-day moving average, should invalidate the near-term trend setup.
If RNST pulls back toward the $40.32 to $42.32 support zone without deterioration in loan quality, deposit base, or capital ratios, compare the pullback with the earnings and book value thesis.
Do not average down mechanically if credit metrics weaken, payoff headwinds deepen, local economic data softens, deposit competition intensifies, or regional bank peers break support.
Track total deposits, average deposit costs, net interest margin, loan growth, payoff levels, nonperforming assets, allowance coverage, CET1 ratio, tangible book value per share, dividend payout, and buyback activity.
Reduce confidence if NPA ratio rises, deposit costs outpace asset yields, payoff pressure deepens, capital adequacy tightens, or the bank slows dividend growth or buybacks to preserve liquidity.
Investment research summary
Renasant earns money by gathering deposits from consumers and businesses across the Southeast, making commercial and consumer loans, providing treasury management, asset-based lending, and factoring, and offering wealth management and trust services in its local markets.
The moat is local and relationship based: branch access in smaller communities, primary checking accounts, small-business lending relationships, treasury management workflows, trust administration, and the switching cost of moving a banking relationship.
The thesis fails if local deposit costs rise faster than loan yields compress the margin, commercial real estate payoff pressure deepens into credit losses, loan demand softens, capital adequacy concerns limit dividends, or larger banks acquire away the best customer relationships.
President and CEO Kevin D. Chapman and CFO Jim Mabry have demonstrated consistent underwriting, measured growth through the 2025 First Bancshares merger, expense discipline, and strong deposit and account acquisition. Key tests ahead include managing deposit competition, payoff headwinds, and credit outcomes in a slower growth economy.
Community and regional banking remains essential for local credit availability, small-business banking, and personal financial relationships. The industry faces pressure from larger banks, digital challengers, regulatory costs, and margin compression in rate cycles, but market disruption in Renasant footprint markets has created deposit and talent opportunities.
The current price near 1.04x book value and 13.2x trailing earnings is reasonable for the improving profitability, but it sits above tangible book value and near the 52-week high, so the margin of safety in the base scenario is thinner than at lower entry levels. A more attractive setup would require a pullback or clearer evidence that the stronger earnings trajectory is durable.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| RNST price | $43.89 at the August 3, 2026, 12:24 PM EDT reading, up 0.31 or 0.72% from the $43.57 July 31 close, within a day range of $42.17 to $44.12 | StockAnalysis.com real-time quote | August 4, 2026 |
| Market capitalization | $4.01 billion, reported by StockAnalysis.com and verified as $43.89 x 91.40 million shares with 0.04% deviation using financial_rigor.py | StockAnalysis.com quote and financial_rigor.py market cap verification | August 4, 2026 |
| Shares outstanding | 91.40 million shares as of June 30, 2026 | Renasant Q2 2026 earnings release and StockAnalysis.com share statistics | August 4, 2026 |
| TTM revenue | About $1.06 billion, with TTM net income of $314.06 million | StockAnalysis.com statistics | August 4, 2026 |
| Q2 2026 results | Net income of $87.1 million, diluted EPS of $0.94, and adjusted diluted EPS of $0.94 up 36% year over year | Renasant Q2 2026 earnings release | July 28, 2026 |
| H1 2026 results | Net income of $175.3 million and diluted EPS of $1.88 for the first half of 2026 | Renasant Q2 2026 earnings release | July 28, 2026 |
| EPS and PE | TTM EPS $3.33, PE 13.20x, forward PE 11.52x, PEG 0.71 | StockAnalysis.com statistics | August 4, 2026 |
| Book value | Book value per share of $42.35 and tangible book value per share of $25.34 as of June 30, 2026, implying P/B near 1.04x and P/TBV near 1.73x | Renasant Q2 2026 earnings release and StockAnalysis.com | August 4, 2026 |
| Dividend | $0.96 annual dividend at $0.24 per quarter, 2.18% yield, 25.26% payout ratio in Q2 2026, ex-dividend date June 16, 2026 | StockAnalysis.com dividend page and Renasant Q2 2026 earnings release | August 4, 2026 |
| Profitability ratios | Q2 2026 adjusted ROA of 1.30%, adjusted ROE of 9.07%, adjusted ROTCE of 16.25%, and efficiency ratio of 57.92% on a fully taxable equivalent basis | Renasant Q2 2026 earnings release | July 28, 2026 |
| Balance sheet | Total assets of $27.0 billion, gross loans of $19.2 billion, total deposits of $21.7 billion, and shareholders equity of $3.87 billion as of June 30, 2026 | StockAnalysis.com balance sheet | August 4, 2026 |
| Credit quality | ACL to total loans of 1.54%, coverage of 158.73%, net charge-offs of 0.06% annualized in Q2 2026, nonperforming loans of 0.97% of loans, and criticized loans of 2.66% of loans as of June 30, 2026 | Renasant Q2 2026 earnings release | July 28, 2026 |
| Capital ratios | CET1 capital ratio of 11.06% and total risk-based capital ratio of 15.94% as of June 30, 2026, above well-capitalized minimums | Renasant Q2 2026 earnings release | July 28, 2026 |
| Loan and deposit growth | Loans up $220.9 million linked quarter, or 4.7% annualized, including a $58.3 million Republic Business Credit portfolio, while deposits fell $398.4 million on seasonal public fund outflows of $367.7 million | Renasant Q2 2026 earnings release | July 28, 2026 |
| Capital returns | Quarterly dividend raised to $0.24 per share effective April 28, 2026, and $60.0 million of stock repurchased in Q2 2026 at a weighted average price of $39.54, with $101.8 million of authorization remaining as of June 30, 2026 | Renasant Q2 2026 earnings release | July 28, 2026 |
| Subordinated debt | On May 7, 2026, the company completed a $300.0 million offering of 6.25% fixed-to-floating rate subordinated notes due 2036 | Renasant Q2 2026 earnings release | July 28, 2026 |
| Deposit franchise | More than 10,000 new accounts opened in Q2 2026, equating to roughly $380 million in new deposits, with about half in checking accounts and half in CDs, and 2,000 plus net new accounts opened through July with $86 million in new funding | Renasant Q2 2026 earnings call transcript | July 29, 2026 |
| Margin outlook | Adjusted net interest margin was flat at 3.61% in Q2 2026, with roughly $1.25 billion of loans maturing over the next 12 months at about 4.95% and $50 million to $60 million per month of securities rolling off at low 3% yields into upper 4% to 5% reinvestment | Renasant Q2 2026 earnings call transcript | July 29, 2026 |
| Basel III capital impact | The Basel III proposal is expected to reduce risk-weighted assets by about $1 billion to $1.3 billion, a 55 to 65 basis point positive impact to the CET1 ratio | Renasant Q2 2026 earnings call transcript | July 29, 2026 |
| Analyst consensus | Buy rating with an average price target of $48.00 across 7 analysts, low $46 and high $50 | StockAnalysis.com forecast | July 31, 2026 |
| Recent analyst actions | Piper Sandler raised its target to $48 from $46 on July 29, TD Cowen raised its target to $49 from $48 on July 30, and KBW maintained a Buy with a $47 target on July 31, 2026 | StockAnalysis.com forecast and TheFly news | July 31, 2026 |
| FY2026 and FY2027 consensus estimates | FY2026 revenue estimate near $1.12 billion with adjusted EPS of $3.78, and FY2027 revenue near $1.16 billion with adjusted EPS of $3.93 | StockAnalysis.com forecast financial forecast | July 31, 2026 |
| 52-week range and performance | 52-week range of $33.04 to $44.50, up 17.09% over the trailing 52 weeks, beta 0.98 | StockAnalysis.com quote and statistics | August 4, 2026 |
| Short interest | 1.17 million shares short, 1.28% of shares outstanding, 4.97 days to cover | StockAnalysis.com statistics short selling | August 4, 2026 |
| Technical snapshot | 5-day SMA near $43.69, 20-day SMA near $43.15, 50-day SMA near $42.32, 100-day SMA near $40.32, 200-day SMA near $38.48, RSI near 57.59 on Barchart and 55.53 on StockAnalysis.com, 14-day historical volatility near 18.12%, and 20-day average volume near 635,000 to 663,000 shares | Barchart and StockAnalysis.com technical snapshots | August 4, 2026 |
| First Bancshares merger | Renasant completed its merger with The First Bancshares, Inc. on April 1, 2025, which expanded its Southeast footprint and is the main reason FY2025 revenue rose 24.32% to $878.39 million | Renasant merger press release | April 1, 2025 |
| FY2025 results | FY2025 revenue of $878.39 million, up 24.32%, with net income of $181.27 million, down 7.26% on merger and acquisition related items | StockAnalysis.com financials and Renasant annual reporting | August 4, 2026 |
This RNST AI stock analysis page is an informational research tool only. It is not investment advice, a recommendation, or a guarantee of future performance. Forecast scenarios are based on available public data as of the stated cutoff date and can be wrong if credit, rates, deposits, regulation, local economic conditions, market sentiment, or company fundamentals change.
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