Renasant Corporation research snapshot
RNST AI stock analysis currently reads Renasant Corporation as a conservatively managed regional bank with a long operating history, stable deposit base across the Southeast, solid capital levels, and improving earnings momentum. At the July 12, 2026 data cutoff, RNST traded near $42.52 with market capitalization near $3.92 billion. 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
$42.52
Market cap
$3.92 billion
AI score
64 / 100
Rating
Profitable Mississippi-based regional bank with stable deposit franchise, solid capital, moderate credit risk, and reasonable valuation near book value
Trend status
Above the 50-day and 200-day moving averages, near the 52-week high, with RSI in neutral territory
Data cutoff (updated weekly)
July 12, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Renasant is a community and regional bank offering consumer and commercial banking, wealth management, and fiduciary services across Mississippi, Alabama, Tennessee, Georgia, Florida, and South Carolina with about $18 billion in assets. | High |
| Moat | The moat comes from local branch relationships, small-business banking, treasury management, 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 | CEO C. Mitchell Waycaster has led Renasant through multiple acquisitions, balance sheet growth, and conservative credit culture. Management quality is reflected in consistent profitability, reserve coverage, and measured expense control. | Medium-high |
| Financial trend | TTM revenue of $978.3 million and TTM net income of $228.0 million show profitable operations. Q1 2026 revenue was $278.7 million with earnings of $88.1 million, reflecting a solid start to the fiscal year. | High |
| Valuation | At $42.52, financial_rigor.py calculates 18.02x TTM EPS, 1.01x book value, 3.71x sales, roughly 5.9% ROE, roughly 7.5% FCF yield, and a 2.26% dividend yield using current data. | High |
| Technical trend | RNST is above its 50-day moving average near $41.19 and 200-day moving average near $37.94, while RSI near 53.52 shows neutral momentum without extreme overbought or oversold signals. | Medium-high |
| Risk level | Main risks are commercial real estate loan concentration, deposit cost pressure, net interest margin compression from rate changes, competition from larger banks, 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, and rate outcomes are harder to predict than those of larger diversified banks. | High data confidence |
| Investment certainty | Medium-low certainty. RNST has a credible local franchise and reasonable current valuation, but small regional banks carry higher earnings variability, less liquid stock, and narrower investor attention than larger peers. | Medium-low |
RNST AI stock forecast
The RNST AI stock forecast uses scenario math around the $42.52 quote. A three-year EPS framework using TTM EPS of $2.36 produced a bullish value near the upper $40s, a base value near $34 to $36, and a bearish value near the low $20s. The range is meaningful because regional bank earnings depend on net interest margin, deposit costs, credit trends, and investor appetite for small-cap financial stocks.
$46 to $50
More likely if net interest margin holds or expands, deposit costs stabilize, credit losses remain low, local loan demand grows, wealth management fees contribute more, and investors assign a mid-teens multiple to steady earnings growth.
$34 to $36
More likely if EPS grows at a low-to-mid single-digit rate, deposit costs ease only gradually, credit normalizes without material losses, capital returns continue, and RNST trades near a low-to-mid teens earnings multiple.
$20 to $24
More likely if CRE credit quality weakens, deposit costs rise faster than asset yields, loan demand softens, capital adequacy concerns arise, 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 now testing near the top of its 52-week range. The Barchart technical data as of mid-July 2026 showed RNST at $42.52, with a 52-week range of $33.04 to $44.00, a 50-day moving average of $41.19, a 200-day moving average of $37.94, RSI around 53.52, and 20-day average volume near 877,000 shares.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $42.52 | Current quote used for this static page and the market cap verification. |
| Near support | $41.19 | The 50-day moving average is the first trend support level after the recent rally toward the 52-week high. |
| Secondary support | $37.94 | The 200-day moving average is the deeper trend support level for the intermediate trend. |
| Near resistance | $44.00 | The 52-week high is the first major upside reference for any continuation attempt. |
| Secondary resistance | $46.43 | The analyst consensus price target provides an extended upside reference beyond the 52-week high. |
| Moving averages | 50-day $41.19, 200-day $37.94 | RNST trades above both major moving averages, confirming a constructive near-term trend. |
| Momentum | RSI 53.52 | Momentum is neutral and not signaling overbought or oversold conditions at the current quote. |
| Volume | 20-day average volume about 877,000 shares | Breakouts above the $44.00 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. |
| Invalidation | Close below $37.94, then $33.04 | A close below the 200-day moving average would weaken the trend. A break below the 52-week low 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 $41.19 50-day moving average and then clear the $44.00 52-week high on above-average volume, with supportive regional bank sector breadth and stable deposit cost commentary.
A failed breakout back below $41.19, or a close below the $37.94 200-day moving average, should invalidate the near-term trend setup.
If RNST pulls back toward the $37 to $39 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, local economic data softens, deposit competition intensifies, or regional bank peers break support.
Track total deposits, average deposit costs, net interest margin, loan growth, 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, capital adequacy tightens, or the bank slows dividend growth or buybacks to preserve liquidity.
Investment research summary
Renasant earns money by gathering low-cost deposits from consumers and businesses across the Southeast, making commercial and consumer loans, providing treasury management, 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 NIM, commercial real estate credit losses materialize, local economic weakness impairs loan demand, capital adequacy concerns limit dividends, or larger banks acquire away the best customer relationships.
CEO C. Mitchell Waycaster and the executive team have demonstrated consistent underwriting standards, measured growth through acquisitions, and a culture of expense discipline. Key tests ahead include managing deposit competition 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.
The current price near book value leaves limited margin of safety in the base scenario and more downside than upside in a deteriorating credit or rate environment. A more attractive setup would require a meaningfully lower entry price or clearer earnings growth trajectory.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| RNST price | $42.52 close on July 10, 2026 | Yahoo Finance quote summary | July 12, 2026 |
| Market capitalization | $3.92 billion, verified as $42.52 x 92.3 million shares | financial_rigor.py market cap verification and Yahoo Finance | July 12, 2026 |
| Shares outstanding | Approximately 92.3 million shares | Derived from market cap and price | July 12, 2026 |
| TTM revenue | $978.3 million | Yahoo Finance financials summary | July 12, 2026 |
| TTM net income | $228.0 million | Yahoo Finance financials summary | July 12, 2026 |
| Q1 2026 results | $278.7 million revenue and $88.1 million earnings | Yahoo Finance earnings summary | July 12, 2026 |
| EPS and PE | TTM EPS $2.36, PE 18.02x, forward PE 11.00x | Yahoo Finance statistics | July 12, 2026 |
| Book value | Price/book ratio of 1.01x, implying BVPS near $42.10 | Yahoo Finance valuation measures | July 12, 2026 |
| Dividend | $0.96 annual dividend, 2.26% yield | Yahoo Finance dividend data | July 12, 2026 |
| Technical levels | 52-week range $33.04 to $44.00, 50-day MA $41.19, 200-day MA $37.94, RSI 53.52 | Barchart technical analysis | July 12, 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.
Design trading strategies visually with 10+ indicators. Set entry/exit conditions and risk management, then generate Pine Script code with no coding required.
Filter and discover stocks based on market cap, dividend yield, P/E ratio, sector, and more. Screen thousands of stocks with real-time data.
Smart AI-driven stock selection with fundamental screening, analyst estimates, and key metrics. Filter by P/E, market cap, dividends, and more.
