NYSE$RNST

Renasant Corporation · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

RNST reported Q4 2025, net income of $78.9M, diluted EPS of $0.83.

For Q4 2025, RNST reported net income of $78.9M, diluted EPS was $0.83, adjusted diluted EPS was $0.91. Management discusses segment performance, capital allocation, and outlook in the earnings release.

  • Net income $78.9M.
  • Diluted EPS $0.83.
  • Adjusted diluted EPS $0.91.

Headline financials

Total Revenue

$347M

Previous: $167M+107.6%
EPS (adj)

$0.91

Previous: $0.73+24.7%
Net Interest Income

$227M

No prior period
Net Interest Margin

3.9%

No prior period
Total Deposits

$21.5B

No prior period
Total Loans

$19B

No prior period
ROAA

1.2%

No prior period
ROAE

8.1%

No prior period
Efficiency Ratio

60.2%

No prior period
Allowance for Credit Losses to Loans

1.5%

No prior period
NPLs to Loans

0.9%

No prior period
Criticized Loans to Loans

2.9%

No prior period
Cost of Deposits

2.0%

No prior period
Book Value/Share

$41.05

No prior period
Tangible Book Value/Share

$24.65

No prior period
CET1 Ratio

11.2%

No prior period
Total RBC Ratio

14.8%

No prior period
Cash & Equivalents

$1.07B

No prior period
Net Income

$78.9M

Previous: $44.7M+76.4%
Operating Income

$96.8M

No prior period

Revenue & EPS history

Renasant · Revenue · Quarterly

$347M

Q4 2025+107.6%vs Q4 2024
Beat estimate in 8 of 14 quarters(57%)
ActualEstimate

Forward guidance

The release discusses RNST's outlook for upcoming periods, including capital allocation, operating priorities, and market risks.

Tailwinds

  • RNST cites operational execution and demand trends supporting the outlook.
  • Balance sheet and capital actions aim to fund growth and shareholder returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

+0.4%

Avg return

Earnings day

-0.1%

Avg return

5 days after

+1.6%

Avg return

30 days after

58%

38 / 66 earnings

Positive

+8.6%

Q1 2025

Best reaction

-4.6%

Q1 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.0%-1.3%+1.7%
Q4 2025+2.6%+1.6%+1.2%
Q3 2025-3.2%-4.1%+1.2%
Q2 2025-1.4%-1.4%+1.6%
Q1 2025+8.6%+12.7%+21.0%
Q4 2024+1.1%+1.9%-3.3%
Q3 2024+5.6%+3.2%+15.2%
Q2 2024-1.0%+2.3%-9.5%
Q1 2024+2.2%-0.5%-0.0%
Q4 2023-0.9%+0.9%-5.8%
Q3 2023+1.4%-1.2%+14.3%
Q2 2023+4.9%+2.0%-5.9%
Q1 2023-2.0%+0.3%-4.8%
Q4 2022-4.3%-3.5%+2.2%
Q3 2022+1.7%+12.4%+16.3%
Q2 2022+5.9%+7.2%+10.8%
Q1 2022-4.6%-7.5%-3.5%
Q4 2021-2.5%-6.7%-9.4%
Q3 2021+0.6%+3.1%-0.8%
Q2 2021-3.1%-3.7%-4.1%
Q1 2021-0.3%+0.5%+5.0%
Q4 2020+1.2%-7.9%+4.0%
Q3 2020-3.6%-3.4%+9.3%
Q2 2020+1.0%-3.0%+6.7%
Q1 2020+2.0%-0.9%-3.0%
Q4 2019-1.1%-5.4%-9.6%
Q3 2019-2.4%-4.9%-3.1%
Q2 2019-1.6%+3.9%-4.2%
Q1 2019+4.6%+5.7%+1.2%
Q4 2018+2.8%+3.2%+12.4%
Q3 2018-3.9%-6.8%-3.0%
Q2 2018+0.5%+1.3%+2.8%
Q1 2018+1.4%+0.3%+4.7%
Q4 2017+1.0%+0.8%-2.2%
Q3 2017-2.4%-0.6%-6.2%
Q2 2017-0.4%-1.9%-5.9%
Q1 2017+0.7%-1.2%-3.6%
Q4 2016-1.4%-1.9%+1.6%
Q3 2016+4.5%+3.8%+19.6%
Q2 2016-2.1%-2.5%+0.1%
Q1 2016+1.9%
Q2 2010+2.5%
Q4 2015+1.1%
Q3 2015+0.4%
Q2 2015+0.3%
Q1 2015+0.5%
Q4 2014-3.2%
Q3 2014+0.3%
Q2 2014+2.4%
Q1 2014+2.2%
Q4 2013+2.3%
Q3 2013-2.0%
Q2 2013+1.8%
Q1 2013+1.6%
Q4 2011-0.9%
Q4 2010-0.9%
Q4 2012-2.2%
Q3 2012-1.7%
Q2 2012+1.7%
Q1 2011+0.1%
Q1 2012+3.5%
Q4 2009+6.1%
Q3 2010-4.1%
Q3 2011-4.1%
Q2 2011-3.3%
Q1 2010+8.3%

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