Renasant Corporation is a regional bank with 60% year-over-year earnings growth, a PEG ratio of 0.24, and strong technical momentum, but extremely high real-estate-and-commercial loan concentration at 84.6% of the loan book creates meaningful downside exposure to a credit cycle turn.
Thesis pillars
- Loan Concentration Commercial Real Estate↓Deteriorating
- Strong Earnings Growth 60 Pct→Stable
- Price At Target Negative Entry↓Deteriorating
- +1 more pillar — see the Why tab for full reasoning
Renasant Corporation (RNST) Stock Analysis
Range Bound setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $43.34, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: C&I, construction and commercial real estate loans (75.1%); Concentration risk — Loan Portfolio: real estate collateral (84.6%).
Renasant Corporation operates Renasant Bank through 277 offices across the Southeast following its April 2025 acquisition of The First Bancshares, with a Community Banks segment generating approximately 81.1% of total gross revenues. The Wealth Management segment produced $35.5... Read more
Hold if already holding. Not a fresh buy at $43.34, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: C&I, construction and commercial real estate loans (75.1%); Concentration risk — Loan Portfolio: real estate collateral (84.6%). Chart setup: RSI 58 mid-range, Bollinger mid-band. Downgraded from BUY WAIT — price $43.34 has reached target $43.61. No upside to wait for. Score 6.6/10, moderate confidence.
Passes 6/9 gates (positive momentum, clean insider activity, news boost analyst 0.70, earnings proximity 89d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-07-31Recent Developments — Renasant Corporation
Latest news
- NEWS Renasant (RNST) to Announce Quarterly Earnings on Tuesday - MarketBeat — MarketBeat neutral
- NEWS Net revenue of Renasant Corporation – NYSE:RNST - TradingView — TradingView neutral
- NEWS Renasant (RNST) Q4 2025 Earnings Transcript - The Motley Fool — The Motley Fool neutral
- NEWS Renasant (RNST) Q4 2025 Earnings Transcript - AOL.com — AOL.com neutral
- NEWS Renasant (RNST) to Release Quarterly Earnings on Tuesday - MarketBeat — MarketBeat neutral
Generated 2026-07-31T02:33:33Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHloan_portfolioC&I, construction and commercial real estate loans75%10-K Item 1A: 'approximately 75.10% of our loan portfolio consisted of C&I, construction and commercial real estate loans'
- MEDIUMloan_portfoliocommercial real estate non-owner occupied loans33%10-K Item 1: 'Our commercial real estate - non-owner occupied loans represented approximately 32.79% of our total loans at December 31, 2025'
- HIGHloan_portfolioreal estate collateral85%10-K Item 1A: 'approximately 84.64% of our loan portfolio had real estate as a primary or secondary component of the collateral securing the loan'
Material Events(8-K, last 90d)
- 2026-03-16Item 5.02LOWOn March 11, 2026, Renasant Bank amended M. Ray (Hoppy) Cole Jr.'s employment agreement to align his Performance Based Rewards Plan bonus eligibility to a calendar year basis consistent with other senior executives. No officer departure cited.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
Show full disclosure ▾Hide full disclosure ▴
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
Rating Breakdown
1 ceiling hit
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $43.34, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: C&I, construction and commercial real estate loans (75.1%); Concentration risk — Loan Portfolio: real estate collateral (84.6%). Chart setup: RSI 58 mid-range, Bollinger mid-band. Downgraded from BUY WAIT — price $43.34 has reached target $43.61. No upside to wait for. Target $43.61 (+0.6%), stop $39.11 (−10.8%), A.R:R -1.0:1. Score 6.6/10, moderate confidence.
Take-profit target: $43.61 (-6.8% upside). Target $43.61 (+0.6%), stop $39.11 (−10.8%), A.R:R -1.0:1. Stop-loss: $39.11.
Concentration risk — Loan Portfolio: C&I, construction and commercial real estate loans (75.1%); Concentration risk — Loan Portfolio: real estate collateral (84.6%); Analyst target reached - limited upside remaining.
Renasant Corporation trades at a P/E of 18.6 (forward 11.1). TrendMatrix value score: 7.5/10. Verdict: Hold.
13 analysts cover RNST with a consensus score of 4.2/5. Average price target: $46.
What does Renasant Corporation do?Renasant Corporation operates Renasant Bank through 277 offices across the Southeast following its April 2025...
Renasant Corporation operates Renasant Bank through 277 offices across the Southeast following its April 2025 acquisition of The First Bancshares, with a Community Banks segment generating approximately 81.1% of total gross revenues. The Wealth Management segment produced $35.5 million in revenue (2.4% of total) in 2025.