Financial Snapshot

Revenue
$662.4M
TTM
Gross Margin
Net Earnings
$150.7M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q4 2024
Total Liabilities
Q4 2024
Book Value
$2.678B
Q4 2024
Cash
Q4 2024
P/E
15.82
Nov 29, 2024 EST
Free Cash Flow
$26.92M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991
Revenue $887.8M $797.3M $541.8M $468.7M $498.1M $542.6M $461.9M $374.8M $329.1M $263.0M $226.4M $180.6M $159.3M $170.7M
YoY Change 11.35% 47.16% 15.6% -5.91% -8.19% 17.48% 23.24% 13.86% 25.14% 16.17% 25.36% 13.36% -6.66%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991
Revenue $887.8M $797.3M $541.8M $468.7M $498.1M $542.6M $461.9M $374.8M $329.1M $263.0M $226.4M $180.6M $159.3M $170.7M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $32.28M $35.23M $42.74M $47.35M $34.63M $8.185M $3.496M $4.832M $3.091M $9.195M $8.104M $9.096M $7.710M $4.798M $9.500M $8.900M $6.600M $6.500M $6.200M $8.100M $6.300M $7.500M $5.100M $4.200M $4.100M $3.500M $3.500M $2.700M $2.300M $2.000M $3.000M $2.000M $1.200M $100.0K
YoY Change -8.36% -17.58% -9.73% 36.72% 323.13% 134.12% -27.65% 56.32% -66.38% 13.46% -10.91% 17.98% 60.69% -49.49% 6.74% 34.85% 1.54% 4.84% -23.46% 28.57% -16.0% 47.06% 21.43% 2.44% 17.14% 0.0% 29.63% 17.39% 15.0% -33.33% 50.0% 66.67% 1100.0% -90.91%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991
Interest Expense $278.0M $60.51M $44.68M $71.34M $98.92M $65.33M $37.85M $28.15M $21.67M $23.93M $23.47M $25.98M $41.40M
YoY Change 359.4% 35.42% -37.36% -27.89% 51.42% 72.59% 34.48% 29.92% -9.45% 1.94% -9.64% -37.26%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991
Pretax Income $245.0M $177.2M $211.3M $222.8M $103.5M $215.7M $188.6M $159.9M $135.8M $99.76M $85.89M $45.75M $33.47M $34.68M $46.70M $24.40M $32.70M $45.20M $38.60M $33.70M $25.30M $25.00M $24.50M $19.70M $15.00M $21.00M $16.40M $15.70M $13.60M $13.10M $10.80M $10.30M $8.300M $8.000M
YoY Change 38.25% -16.15% -5.17% 115.31% -52.02% 14.33% 18.0% 17.74% 36.1% 16.16% 87.75% 36.7% -3.49% -25.75% 91.39% -25.38% -27.65% 17.1% 14.54% 33.2% 1.2% 2.04% 24.37% 31.33% -28.57% 28.05% 4.46% 15.44% 3.82% 21.3% 4.85% 24.1% 3.75% -12.09%
Income Tax $49.51M $32.51M $45.24M $46.94M $19.84M $48.09M $41.73M $67.68M $44.85M $31.75M $26.31M $12.26M $6.828M $9.043M $15.00M $5.900M $8.700M $14.10M $11.50M $9.500M $6.800M $6.800M $6.800M $5.100M $3.800M $6.200M $4.700M $4.700M $4.100M $3.900M $2.600M $3.100M $2.100M $1.800M
% Of Pretax Income 20.21% 18.35% 21.41% 21.06% 19.17% 22.3% 22.12% 42.34% 33.03% 31.83% 30.63% 26.8% 20.4% 26.08% 32.12% 24.18% 26.61% 31.19% 29.79% 28.19% 26.88% 27.2% 27.76% 25.89% 25.33% 29.52% 28.66% 29.94% 30.15% 29.77% 24.07% 30.1% 25.3% 22.5%
Net Earnings $195.5M $144.7M $166.1M $175.9M $83.65M $167.6M $146.9M $92.19M $90.93M $68.01M $59.58M $33.49M $26.64M $25.63M $31.70M $18.50M $24.10M $31.10M $27.10M $24.20M $18.40M $18.20M $16.40M $14.60M $11.20M $14.80M $11.70M $11.00M $9.500M $9.200M $8.200M $7.700M $6.200M $6.200M
YoY Change 35.1% -12.88% -5.59% 110.27% -50.09% 14.07% 59.37% 1.38% 33.69% 14.15% 77.93% 25.72% 3.92% -19.14% 71.35% -23.24% -22.51% 14.76% 11.98% 31.52% 1.1% 10.98% 12.33% 30.36% -24.32% 26.5% 6.36% 15.79% 3.26% 12.2% 6.49% 24.19% 0.0% -10.14%
Net Earnings / Revenue 22.02% 18.15% 30.65% 37.53% 16.79% 30.89% 31.81% 24.6% 27.63% 25.86% 26.32% 18.54% 16.72% 15.02%
Basic Earnings Per Share $3.29 $2.58 $2.97 $3.13 $1.49 $2.89 $2.80 $1.97 $2.18 $1.89 $1.89 $1.23 $1.06 $1.02
Diluted Earnings Per Share $3.27 $2.56 $2.954M $3.12 $1.48 $2.88 $2.79 $1.96 $2.17 $1.88 $1.88 $1.22 $1.06 $1.02 $1.378M $872.6K $1.142M $1.637M $1.704M $1.541M $1.415M $1.468M $1.302M $1.106M $817.5K $1.057M $835.7K $785.7K $719.7K $697.0K $621.2K $583.3K $469.7K $469.7K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

No data

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $283.2M $283.6M $293.0M $300.0M $310.0M $209.0M $183.0M $179.0M $169.0M $114.0M $102.0M $67.00M $54.00M $51.00M $44.00M $47.00M $48.00M $41.00M $42.00M $34.00M $32.00M $29.00M $28.00M $30.00M $28.00M $27.00M $23.00M $22.00M $20.00M $17.00M $16.00M $15.00M $14.00M
YoY Change -0.14% -3.21% -2.33% -3.23% 48.33% 14.21% 2.23% 5.92% 48.25% 11.76% 52.24% 24.07% 5.88% 15.91% -6.38% -2.08% 17.07% -2.38% 23.53% 6.25% 10.34% 3.57% -6.67% 7.14% 3.7% 17.39% 4.55% 10.0% 17.65% 6.25% 6.67% 7.14%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $6.000M $8.000M
YoY Change -25.0%
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $17.36B $16.99B $16.81B $14.93B $13.40B $12.94B $9.830B $8.700B $7.926B $5.805B $5.746B $4.179B $4.202B $4.297B $3.641B $3.716B $3.612B $2.611B $2.398B $1.708B $1.415B $1.345B $1.255B $1.212B $1.163B $1.108B $971.0M $893.0M $842.0M $787.0M $739.0M $660.0M $646.0M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $51.13M $57.37M $67.00M $70.00M $88.00M
YoY Change -10.88% -14.37% -4.29% -20.45%
Deferred Revenue
YoY Change
Short-Term Debt $307.6M $712.2M $14.00M $21.00M $9.000M $8.000M $7.000M $10.00M $22.00M $6.000M $2.000M $5.000M $11.00M $15.00M $22.00M $90.00M $83.00M $8.000M $11.00M $61.00M $14.00M $5.000M $6.000M $5.000M $12.00M $5.000M $25.00M $18.00M $7.000M $8.000M $4.000M $4.000M $6.000M
YoY Change -56.82% 4987.37% -33.33% 133.33% 12.5% 14.29% -30.0% -54.55% 266.67% 200.0% -60.0% -54.55% -26.67% -31.82% -75.56% 8.43% 937.5% -27.27% -81.97% 335.71% 180.0% -16.67% 20.0% -58.33% 140.0% -80.0% 38.89% 157.14% -12.5% 100.0% 0.0% -33.33%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $307.6M $57.37M $67.00M $70.00M $88.00M $8.000M $7.000M $10.00M $22.00M $6.000M $2.000M $5.000M $11.00M $15.00M $22.00M $90.00M $83.00M $8.000M $11.00M $61.00M $14.00M $5.000M $6.000M $5.000M $12.00M $5.000M $25.00M $18.00M $7.000M $8.000M $4.000M $4.000M $6.000M
YoY Change 436.14% -14.37% -4.29% -20.45% 1000.0% 14.29% -30.0% -54.55% 266.67% 200.0% -60.0% -54.55% -26.67% -31.82% -75.56% 8.43% 937.5% -27.27% -81.97% 335.71% 180.0% -16.67% 20.0% -58.33% 140.0% -80.0% 38.89% 157.14% -12.5% 100.0% 0.0% -33.33%
Long-Term Debt $429.4M $428.1M $471.0M $323.0M $224.0M $257.0M $200.0M $194.0M $95.00M $95.00M $94.00M $76.00M $126.0M $126.0M $126.0M $76.00M $76.00M $64.00M $64.00M $21.00M $21.00M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change 0.3% -9.1% 45.82% 44.2% -12.84% 28.5% 3.09% 104.21% 0.0% 1.06% 23.68% -39.68% 0.0% 0.0% 65.79% 0.0% 18.75% 0.0% 204.76% 0.0%
Other Long-Term Liabilities $249.4M $224.8M $143.0M $172.0M $108.0M $111.0M $97.00M $96.00M $101.0M $66.00M $67.00M $54.00M $48.00M $43.00M $37.00M $37.00M $41.00M $7.000M $27.00M $18.00M $18.00M $21.00M $21.00M $19.00M $17.00M $15.00M $13.00M $12.00M $10.00M $9.000M $8.000M $7.000M $9.000M
YoY Change 10.92% 57.22% -16.86% 59.26% -2.7% 14.43% 1.04% -4.95% 53.03% -1.49% 24.07% 12.5% 11.63% 16.22% 0.0% -9.76% 485.71% -74.07% 50.0% 0.0% -14.29% 0.0% 10.53% 11.76% 13.33% 15.38% 8.33% 20.0% 11.11% 12.5% 14.29% -22.22%
Total Long-Term Liabilities $678.8M $653.0M $614.0M $495.0M $332.0M $368.0M $297.0M $290.0M $196.0M $161.0M $161.0M $130.0M $174.0M $169.0M $163.0M $113.0M $117.0M $71.00M $91.00M $39.00M $39.00M $21.00M $21.00M $19.00M $17.00M $15.00M $13.00M $12.00M $10.00M $9.000M $8.000M $7.000M $9.000M
YoY Change 3.96% 6.35% 24.04% 49.1% -9.78% 23.91% 2.41% 47.96% 21.74% 0.0% 23.85% -25.29% 2.96% 3.68% 44.25% -3.42% 64.79% -21.98% 133.33% 0.0% 85.71% 0.0% 10.53% 11.76% 13.33% 15.38% 8.33% 20.0% 11.11% 12.5% 14.29% -22.22%
Total Liabilities $15.06B $14.85B $14.60B $12.80B $11.28B $10.89B $8.315B $7.467B $6.890B $5.093B $5.081B $3.680B $3.715B $3.828B $3.231B $3.316B $3.213B $2.359B $2.162B $1.529B $1.278B $1.212B $1.131B $1.090B $1.047B $998.0M $873.0M $803.0M $757.0M $713.0M $668.0M $595.0M $585.0M
YoY Change 1.42% 1.73% 14.09% 13.5% 3.53% 30.98% 11.36% 8.37% 35.28% 0.24% 38.07% -0.94% -2.95% 18.48% -2.56% 3.21% 36.2% 9.11% 41.4% 19.64% 5.45% 7.16% 3.76% 4.11% 4.91% 14.32% 8.72% 6.08% 6.17% 6.74% 12.27% 1.71%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $2.385 Billion

About RENASANT CORP

Renasant Corp. is a bank holding company, which engages in the provision of financial, fiduciary, and insurance services. The company is headquartered in Tupelo, Mississippi and currently employs 2,300 full-time employees. The firm owns and operates approximately 185 banking, lending, mortgage, and wealth management offices throughout the Southeast as well as offering factoring and asset-based lending on a nationwide basis. Its Community Banks segment delivers a complete range of banking and financial services to individuals and small to medium-sized businesses including checking and savings accounts, business and personal loans, asset-based lending, factoring, equipment leasing and treasury management services, as well as safe deposit and night depository facilities. Its Wealth Management segment, through the Trust division, offers a range of fiduciary services including the administration (as trustee or in other fiduciary or representative capacities) of benefit plans, management of trust accounts, inclusive of personal and corporate benefit accounts, and custodial accounts, as well as accounting and money management for trust accounts.

Industry: State Commercial Banks Peers: FB Financial Corp HEARTLAND FINANCIAL USA INC LAKELAND FINANCIAL CORP Northwest Bancshares, Inc. PNC FINANCIAL SERVICES GROUP, INC. SEACOAST BANKING CORP OF FLORIDA TRUSTMARK CORP WAFD INC