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
Catalyst-Driven edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $38.88, 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 $38.88, 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: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.5/10, moderate confidence.
Passes 4/7 gates (clean insider activity, earnings proximity 20d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-10-08Recent Developments — Renasant Corporation
Latest news
- NEWS Renasant Corporation Stock 12‑Month Price Target Raised to $47.29, Implies 8% Upside - TradingView — TradingView positive
- NEWS Renasant (RNST) Could Be 4% Undervalued Following Strong Second Quarter Results - simplywall.st — simplywall.st positive
- NEWS What Triggered Fresh Attention on Renasant (NYSE:RNST)? - Kalkine Media — Kalkine Media neutral
- NEWS What Triggered Fresh Attention on Renasant (NYSE:RNST)? - kalkinemedia.com — kalkinemedia.com neutral
- NEWS Renasant Corp (RNST) Institutional Confidence - TradingKey — TradingKey neutral
Generated 2026-10-08T11:32:06Z.
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.
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Rating Breakdown
1 floor-breaker·1 ceiling hit
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $38.88, 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: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $41.51 (+6.8%), stop $37.34 (−4.1%), A.R:R 1.4:1. Score 6.5/10, moderate confidence.
Take-profit target: $41.51 (+6.8% upside). Target $41.51 (+6.8%), stop $37.34 (−4.1%), A.R:R 1.4:1. Stop-loss: $37.34.
Concentration risk — Loan Portfolio: C&I, construction and commercial real estate loans (75.1%); Concentration risk — Loan Portfolio: real estate collateral (84.6%); Thin upside margin: 6.8%.
Renasant Corporation trades at a P/E of 11.7 (forward 10.0). TrendMatrix value score: 8.4/10. Verdict: Hold.
13 analysts cover RNST with a consensus score of 4.2/5. Average price target: $48.
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.