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Earnings analysis · 10-K

RNST earnings analysis

Filed July 1, 2026 · Our reading of the company's report

The latest report

Renasant Corporation's 10-K for FY 2025 reveals solid financial performance marked by a net income of $359.8 million and diluted EPS of $3.39, contributing to a healthy total revenue stream of $1.1 billion for the year.…

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Renasant Corporation's 10-K for FY 2025 reveals solid financial performance marked by a net income of $359.8 million and diluted EPS of $3.39, contributing to a healthy total revenue stream of $1.1 billion for the year. Growth in deposits improved liquidity, though a material weakness in internal controls poses a risk to future operational integrity.

Read the original on SEC.gov

Reported figures

Earnings per share
$3.39
Operating margin
24.3%

What stood out

  • Robust Revenue Growth

    Total revenue increased to $1.1 billion in 2025, up from $902 million in 2024.

  • Increased EPS Performance

    Diluted earnings per share reached $3.39 in 2025, up from $2.96 in 2024.

  • Strong Free Cash Flow

    Free cash flow for 2025 was $231 million, showcasing improved cash generation.

  • Significant Deposit Growth

    Deposits rose by $626.4 million over the quarter, boosting liquidity.

  • High Operating Margin

    Operating margin improved to 24.3% in Q4 2025, reflecting effective cost management.

  • Market Expansion via Acquisition

    Acquisition of The First Bancshares in 2025 expanded market share in the Southeastern U.S.

What to watch

  • Material Weakness in Internal Controls

    The company reported a material weakness in its internal controls which could impact financial reporting.

  • Loan Portfolio Shrinkage

    Loan portfolio size decreased as of Q1 2026, indicating potential challenges in lending.

  • Increase in Nonperforming Loans

    Nonperforming loans rose to 0.87% of total loans, reflecting credit quality issues.

Management's outlook

Management did not provide specific numeric guidance for future performance.

Earlier filings 1

10-Q · May 7, 2026

Renasant Corporation reported a strong Q1 2026 performance with net income rising by 112.5% year-over-year to $88.23 million and an EPS of $0.93, surpassing estimates. While revenue slightly missed expectations at…

This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.