Renasant Corporation (RNST) Stock Price & How to Invest
Last updated July 2026
Short answer
RNST is Renasant Corporation, a roughly $27 billion asset regional bank holding company anchored in the Southeast US, so investing in it is a bet on a mid-cap community bank that just scaled up through its 2025 merger with The First Bancshares. It trades like a value-and-dividend regional bank rather than a growth name.
RNST stock price
As of 2026-07-17, Renasant Corporation (RNST) last closed at $43.70, up 12.6% over the past year. Over the past 52 weeks it has traded between $33.40 and $44.25.
Prices are daily closing prices from Yahoo Finance and may be delayed. For the live quote, check your broker or Renasant Corporation's investor relations page. Walnut is informational, not investment advice.
What does Renasant Corporation (RNST) do?
Renasant Corporation is the holding company for Renasant Bank, a financial institution that has operated for more than a century and now runs hundreds of banking, lending, mortgage, and wealth offices across the Southeastern US. It operates through three segments: Community Banks (checking and savings accounts, commercial and consumer loans, asset-based lending, and leasing), Wealth Management (trust, fiduciary, retirement, and brokerage services), and Insurance (agency products placed through third-party carriers). In April 2025 it completed a merger with The First Bancshares, creating a combined bank with roughly $27 billion in assets, about $19 billion in loans, and about $22 billion in deposits as of early 2026.
The investment picture is that of a mid-cap regional bank in the middle of a large integration. Q1 2026 results showed profitability jumping as merger synergies flowed through, with net income of roughly $88 million and earnings per share near $0.94, a return on assets around 1.33 percent, and an efficiency ratio in the mid-50s. The bank pays a growing quarterly dividend and carries solid capital ratios, so the thesis rests on whether management can hold deposit costs down, keep credit clean, and convert the larger balance sheet into durable returns rather than on rapid revenue growth.
What's driving Renasant Corporation (RNST)?
1. Merger integration and synergies
The 2025 combination with The First Bancshares roughly doubled scale to about $27 billion in assets and is the primary driver of the recent profitability jump. Q1 2026 showed the efficiency ratio improving to the mid-50s and return on average tangible common equity above 16 percent as cost savings came through. Continued realization of those synergies without integration missteps is the central near-term driver.
2. Net interest margin and funding costs
Net interest margin was around 3.87 percent in early 2026, supported by falling deposit costs as total deposit cost eased toward 1.94 percent. Because a regional bank earns most of its money on the spread between loan yields and funding costs, the path of interest rates and the bank's ability to hold down deposit pricing directly shape earnings. Seasonal public fund and noninterest-bearing deposit inflows have helped.
3. Capital return and Southeast footprint growth
Renasant raised its quarterly dividend to $0.24 per share and expanded buyback capacity in 2026, signaling confidence in capital levels (CET1 around 11.2 percent). Its concentration in growing Southeastern markets gives it organic loan and deposit growth potential, and its history of acquisitions means further consolidation of smaller banks remains a plausible expansion lever.
What are the risks to Renasant Corporation (RNST)?
As a regional bank, Renasant is exposed to credit risk in its commercial and commercial real estate loan book, which can deteriorate quickly in a recession or a downturn in Southeast property markets. Interest rate swings can compress the net interest margin and pressure deposit retention, and heightened competition for deposits raises funding costs. Integration risk from the First Bancshares merger remains, including the chance that projected synergies fall short or that acquired credits underperform. The bank is smaller and less diversified than money-center peers, so a shock to its regional economy or a single large problem loan can matter more. Broader banking-sector stress, tighter regulation, and unrealized losses on securities portfolios are additional overhangs common to the group.
How is Renasant Corporation (RNST) valued? (approximate, JULY 2026)
A simple financial snapshot. These are approximations and refresh quarterly; for current figures see Renasant Corporation's investor relations page or your broker.
- Market cap: ~$4.0B
- Total assets: ~$27.1B
- Deposits: ~$22.1B
- Q1 2026 net income: ~$88M
- Q1 2026 EPS: ~$0.94
- Dividend (quarterly): ~$0.24
At roughly $43 per share and a $4 billion market cap, RNST has traded around a low-to-mid-teens trailing P/E, broadly in line with regional-bank peers. Tangible book value per share was about $25 and book value per share about $41.63 in early 2026, so the stock trades at a meaningful premium to tangible book, reflecting improved returns. Return on average tangible common equity above 16 percent and a return on assets of about 1.33 percent are strong for the group if sustained.
Who competes with Renasant Corporation (RNST)?
Southeast regional banks
Peers such as Cadence Bank, Trustmark, United Community Banks, Pinnacle Financial, and Home BancShares compete for the same commercial and retail customers across Mississippi, Alabama, Georgia, Tennessee, Florida, and the Carolinas, on both loan pricing and deposit gathering.
Super-regional and national banks
Larger institutions like Regions Financial, Truist, and PNC operate across the Southeast with deeper product sets, bigger technology budgets, and lower funding costs, pressuring Renasant on commercial lending and treasury services.
Nonbank and digital lenders
Online banks, fintech deposit platforms, credit unions, and specialty commercial lenders compete for deposits and loans, often with lower overhead, which can raise Renasant's funding costs and chip at fee income over time.
How to invest in Renasant Corporation (RNST)
There are three common ways to get RNST exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic basket, so RNST sits alongside other stocks that express the same thesis.
Walnut takes the basket route. Describe a thesis where RNST fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.
The bottom line on Renasant Corporation (RNST)
RNST is a newly enlarged Southeast regional bank whose story is about executing merger synergies, defending its deposit base, and managing credit and rate risk.
More on Renasant Corporation (RNST)
Whether RNST is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is RNST a buy?, and where the stock could go from here in the RNST stock forecast.
For income investors, whether RNST pays a dividend and how the payout looks is covered in does RNST pay a dividend?
Build a basket around RNST with Walnut
Use Renasant Corporation as one constituent in a thematic basket Walnut's AI helps you assemble. Describe a thesis you believe in, the AI proposes the holdings and weights, and you approve before any broker order.
FAQ
What company is RNST?
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RNST is the ticker for Renasant Corporation, the holding company for Renasant Bank, a regional financial institution based in the Southeast US that provides banking, wealth management, and insurance services.
What does Renasant do?
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Renasant operates a community bank offering deposits and loans, a wealth management arm providing trust and fiduciary services, and an insurance agency. It runs hundreds of offices across states including Mississippi, Alabama, Georgia, Tennessee, and Florida.
How big is Renasant?
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After its 2025 merger with The First Bancshares, Renasant has roughly $27 billion in assets, about $19 billion in loans, and about $22 billion in deposits, with a market capitalization near $4 billion, placing it in the mid-cap regional-bank category.
Does RNST pay a dividend?
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Yes. Renasant pays a quarterly cash dividend, which it raised to about $0.24 per share in 2026. That works out to roughly $0.96 per year, giving a yield of a little over 2 percent at recent prices.
How did Renasant perform recently?
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In the first quarter of 2026 Renasant reported net income of about $88 million, or roughly $0.94 per share, up sharply year over year as merger synergies boosted profitability, with a return on assets near 1.33 percent and an efficiency ratio in the mid-50s.
What are the main risks with RNST?
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Key risks include credit losses in its commercial and commercial real estate book, net interest margin compression from rate moves, rising deposit costs, integration risk from the merger, and the concentrated, less-diversified nature of a Southeast regional bank.
How is RNST valued versus peers?
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RNST has traded around a low-to-mid-teens trailing P/E and at a premium to its roughly $25 tangible book value per share, broadly comparable to other Southeast regional banks such as Cadence, Trustmark, and United Community Banks.
Walnut is informational, not investment advice. Financial figures on this page are approximations; always verify current numbers with Renasant Corporation's investor relations page or your broker before making investment decisions.