Renasant Corp Dossier
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SectorFinancials IndustryBanks - Regional Beta (adjusted)0.99 Intrinsic Value $41.86median of 2 methodsbased on filings through 30 Jun 2026 Market Price $39.28Price as of 1 Oct 2026 Near fair valueIntrinsic value is 7% above the market price −50% · IV below pricenear fair value ±15%IV above price · +50% Data confidence Sign in to view data confidence Market Cap $3.6B Enterprise Value $3.5B Shares Outstanding 101.1M diluted Next Earnings Date27 Oct 2026 Last ex-dividend16 Sep 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary Renasant Corporation (RNST) represents a compelling regional banking play in the high-growth Southeastern U.S. market. Following its successful integration of The First Bancshares, the bank is realizing significant scale benefits, driving marked improvements in profitability and operational efficiency. With a robust capital position, expanding net interest margins, and disciplined credit risk management, Renasant is well-positioned to deliver superior shareholder returns. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Street view · analyst 12-month targets Low · most bearish analyst$46.00 Mean target$48.00 High · most bullish analyst$50.00 Our research · scenarios, merits, risks, and invalidation triggersResearch as of 18 Sep 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario $46.0020% A sharp economic downturn in the Southeast leads to deterioration in the commercial real estate (CRE) portfolio, causing non-performing loans to rise. Increased credit provisions, combined with intense deposit competition that compresses NIM below 3.60%, weigh heavily on profitability. Base CaseCentral scenario $48.0050% Matches the consensus meanRenasant successfully maintains its post-merger operational momentum, keeping its efficiency ratio in the low-50s and sustaining a Return on Average Assets (ROAA) above 1.30%. Moderate loan growth in commercial and wealth management segments, paired with steady credit quality, supports steady earnings expansion. Bull CaseUpside scenario $50.0030% Accelerated synergy realization from recent mergers, combined with stronger-than-expected economic growth in the Southeast, drives net interest margin (NIM) expansion above 3.95% and pushes the adjusted efficiency ratio below 50%. Continued strong credit performance allows for lower provisions, boosting EPS growth. Scenarios are anchored to street consensus at the research date, with our probabilities and rationale. Key Investment Merits
Key Investment Risks
Thesis Invalidation Triggers
All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |