Stock Ratings / Financials / RNST / dividends

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Renasant Corporation (RNST) Dividend Safety Gauge & 10-Year DRIP Compounder

$40.26 +0.17% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $40.20

Renasant Corporation (RNST) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $3.68B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $40.20 (-0.16%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 5.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RNST)Realized 20D OHLCV Swing Band: ±4.1%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY RNST SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 63% of 52W Range • RSI-14 at 46.3 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$39.01+2.3% Next Q

Q2 (-2Q)

Grade C+$39.91+4.2% Next Q

Q3 (-1Q)

Grade C+$41.57-3.2% Next Q

Current

Grade C+$40.26+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RNST Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, RNST faces multiple-compression risk if 20.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($40.31) or 200D SMA ($40.23) invalidates the momentum regime and cuts Target Base ($41.89) toward Bear Floor ($32.67).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RNST• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “RNST Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

3.94% Total Yield

2.14% Cash ($0.86/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

21.5% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8.9% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $23,457

Est. Year-10 Shareholder Yield: $924/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.9K

Yr 1

$11.9K

Yr 2

$12.9K

Yr 3

$14.1K

Yr 4

$15.3K

Yr 5

$16.7K

Yr 6

$18.2K

Yr 7

$19.8K

Yr 8

$21.5K

Yr 9

$23.5K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in RNST & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on RNST and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

RNST // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.93%▼ DESCENDING CHANNEL

2026-10-30O $40.52H $40.69L $39.75C $40.26VOL 653.6K

RES: $41.99SUP: $37.10SMA50: $40.31SMA200: $40.23

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RNST Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RNST Butterfly Map → + Track RNST →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

13.9%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on RNST today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RNST. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for RNST today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RNST)

Financials Rank #243 of 1096 ⚔️ WSBC vs RNST Full Matrix →

1. Head-to-Head Financials Peer Comparison (RNST vs. WSBC, FIBK, BANF, NIC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Renasant Corporation (RNST) ranks #243 by composite RQD confidence (67/100, grade C+) and #323 by equity capitalization ($3.68B). Within this direct 5-issuer industry benchmark cohort, FIBK leads on earnings valuation at 12.0x trailing P/E, while BANF leads on capital efficiency and profitability with 13.0% ROIC and — gross margin. BANF currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with RNST at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
RNST ACTIVE Renasant Corporation	C+	67/100	20.3x	—	4.7%	+0.17%	$3.68B	Benchmark Subject
WSBC WesBanco Inc.	C+	69/100	16.7x	—	5.5%	+0.99%	$3.73B	/wsbc-vs-rnst →
FIBK First Interstate BancSystem Inc.	C+	68/100	12.0x	—	8.8%	+1.04%	$3.62B	/fibk-vs-rnst →
BANF BancFirst Corporation	B-	71/100	15.6x	—	13.0%	+0.68%	$3.74B	/banf-vs-rnst →
NIC Nicolet Bankshares Inc.	C+	68/100	24.0x	—	12.0%	+0.89%	$3.62B	/nic-vs-rnst →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000715072

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Renasant Corporation (RNST) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $181.3M, operating cash flow of $271.5M, and free cash flow of $237.8M (+156.3% YoY). On the balance sheet, RNST closed FY2025 with $26.75B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$181.3M	$271.5M	$237.8M	$26.75B	—
FY2024 (FY)	2024-12-31	$0	$195.5M	$106.4M	$92.8M	$18.03B	—
FY2023 (FY)	2023-12-31	$0	$144.7M	$148.6M	$148.6M	—	—

3. RNST Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RNST stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Renasant Corporation (NYSE: RNST) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $40.26 (+0.17% 1D, market cap $3.68B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, RNST ranks #243 in composite RQD confidence.

How does RNST compare to WSBC and FIBK in the Financials sector?

Within the Financials sector (Major Banks), RNST carries a Roarable C+ (67/100 RQD), trailing P/E of 20.3x, gross margin of —, and ROIC of 4.7%. By comparison, WSBC (WesBanco Inc.) holds a C+ grade (69/100 RQD, P/E 16.7x, ROIC 5.5%, cap $3.73B) and FIBK (First Interstate BancSystem Inc.) posts a C+ grade (68/100 RQD, P/E 12.0x, ROIC 8.8%, cap $3.62B). Among the 5-stock peer group, FIBK leads on earnings multiple (12.0x) while BANF leads on capital efficiency (13.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RNST?

Per RNST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000715072), Renasant Corporation generated $0 in revenue, $181.3M in net income, and $237.8M in free cash flow against $26.75B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RNST trading relative to its 50-day, 200-day, and 52-week technical levels?

RNST last traded at $40.26 (+0.17% on volume of 1,147,007 shares), positioning the stock -0.12% below its 50-day simple moving average ($40.31) and +0.07% above its 200-day simple moving average ($40.23). Across its 52-week range of $33.04 to $44.54, RNST sits at the 62.8% percentile with a 14-day RSI of 46.3 (NEUTRAL RANGE) and an implied next-earnings move of ±4.1% ($38.61 to $41.91).

RNST Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does RNST pay a dividend and is it safe?

Renasant Corporation (RNST) offers a 2.14% cash dividend yield ($0.86 annualized) and 3.94% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: RNST RQD Cockpit RNST 12M Forecast RNST Earnings & Move RNST Dividends & DRIP RNST Insiders & 13F RNST Whale Options RNST Profit Sankey RNST News & Why