MARKET WIRESeekingAlpha • 3d ago
Renasant Corporation 2026 Q3 - Results - Earnings Call Presentation2026-10-29. The following slide deck was published by Renasant Corporation in conjunction with their 2026 Q3 earnings call.
Why RNST Stock advanced +0.17% Today — RQD Quant Desk Flash
$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.
ROARABLE C+ • HOLD / WATCH
Cap $3.68B
INTERACTIVE SCENARIO DECK:
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
59
Q2 (-2Q)Grade C+$39.91+4.2% Next Q
62
Q3 (-1Q)Grade C+$41.57-3.2% Next Q
64
CurrentGrade C+$40.26+1.6% Hist 90D α
67
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why RNST Stock advanced +0.17% Today — RQD Quant Desk Flash
Renasant Corporation (RNST) advanced +0.17% to $40.26, trading at 63% of its 52-week range ($33.04 – $44.54). Solid steady margins (5% return on capital), mixed timing at 20x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 63% of its 52-week range ($33.04 – $44.54) with RSI-14 at 46.3 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.1% around $40.26 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $237.8M annual free cash flow.
Live RNST Headlines & Catalysts
RISK WATCHFintel • 3d ago
Raymond James Downgrades Renasant to Outperform from Strong BuyMARKET WIREBenzinga • 3d ago
TD Cowen Maintains Buy on Renasant, Lowers Price Target to $45TD Cowen analyst Janet Lee maintains Renasant (NYSE:RNST) with a Buy and lowers the price target from $46 to $45.
RISK WATCHBenzinga • 3d ago
This Lennox International Analyst Is No Longer Bullish; Here Are Top 5 Downgrades For ThursdayAnalysts downgraded Renasant, Lennox, Peapack-Gladstone, Alkami and Xylem; price targets for RNST and XYL were cut.
MARKET WIREBenzinga • 3d ago
Microsoft To Rally More Than 22%? Here Are 10 Top Analyst Forecasts For ThursdayAnalysts raised targets for Microsoft, VF, Glaukos, Hilton, AxoGen and Brinker; Renasant’s target was cut and its rating downgraded.
MARKET WIREYahoo • 3d ago
Renasant (RNST) Deal Expands Its Tennessee Reach With More BranchesRenasant (NYSE:RNST) agreed to acquire Commercial Holding Company under a definitive merger agreement, expanding its Tennessee footprint. The transaction is expected to meaningfully grow Renasant's branch network in Memp
RISK WATCHBenzinga • 3d ago
Raymond James Downgrades Renasant to Outperform, Lowers Price Target to $45Raymond James analyst Michael Rose downgrades Renasant (NYSE:RNST) from Strong Buy to Outperform and lowers the price target from $50 to $45.
CATALYSTYahoo • 3d ago
Why Renasant (RNST) shares are sliding todayShares of regional banking company Renasant (NYSE:RNST) fell 4% in the afternoon session after the company reported third-quarter 2026 adjusted earnings per share and revenue below analyst estimates, alongside strong loa
MARKET WIREYahoo • 4d ago
Renasant grows presence in Tennessee in merger with Commercial Bank & TrustTUPELO - Renasant Bank its growing its presence in Tennessee with a merger with Commercia Bank & Trust. On Tuesday, Renasant Corp., the parent financial holding company of Tupelo-based Renasant Bank, said it has acquired
RISK WATCHYahoo • 4d ago
Renasant: Q3 Earnings Snapshot(RNST) on Tuesday reported third-quarter earnings of $78.The Tupelo, Mississippi-based bank said it had earnings of 86 cents per share.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (RNST Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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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
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 0000715072In 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 ENABLEDIs 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 × FREDWhy is RNST stock moving today?
Why RNST Stock advanced +0.17% Today — RQD Quant Desk Flash. Solid steady margins (5% return on capital), mixed timing at 20x P/E—hold if owned, no rush to chase.