Renasant Corporation (RNST) Stock Analysis
Financial Services · Banks - Regional
Sell if holding. At $40.30, A.R:R is negative (-0.4) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Tenant: C&I, construction and commercial real estate loans (75.1%); Concentration risk — Tenant: real estate collateral (84.6%).
Renasant Corporation is a Mississippi bank holding company operating Renasant Bank throughout the Southeast with 277 banking and mortgage offices. After merging with The First Bancshares (effective April 2025), it operates Community Banks and Wealth Management segments. Income... Read more
Sell if holding. At $40.30, A.R:R is negative (-0.4) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Tenant: C&I, construction and commercial real estate loans (75.1%); Concentration risk — Tenant: real estate collateral (84.6%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 6.1/10, moderate confidence.
Passes 4/6 gates (clean insider activity, no SEC red flags, earnings proximity 82d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHTenantC&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'
- HIGHTenantreal 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 5.02LOWAmendment to M. Ray (Hoppy) Cole Jr.'s employment agreement adjusting bonus plan structure and calendar-year alignment effective March 11, 2026. No departure; compensatory arrangement modification for existing officer.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker·1 ceiling hit
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. At $40.30, A.R:R is negative (-0.4) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Tenant: C&I, construction and commercial real estate loans (75.1%); Concentration risk — Tenant: real estate collateral (84.6%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $38.53. Score 6.1/10, moderate confidence.
Take-profit target: $40.24 (-0.3% upside). Prior stop was $38.53. Stop-loss: $38.53.
Concentration risk — Tenant: C&I, construction and commercial real estate loans (75.1%); Concentration risk — Tenant: real estate collateral (84.6%); Analyst target reached - limited upside remaining.
Renasant Corporation trades at a P/E of 16.9 (forward 10.2). TrendMatrix value score: 7.7/10. Verdict: Sell.
13 analysts cover RNST with a consensus score of 4.2/5. Average price target: $44.
What does Renasant Corporation do?Renasant Corporation is a Mississippi bank holding company operating Renasant Bank throughout the Southeast with 277...
Renasant Corporation is a Mississippi bank holding company operating Renasant Bank throughout the Southeast with 277 banking and mortgage offices. After merging with The First Bancshares (effective April 2025), it operates Community Banks and Wealth Management segments. Income comes from net interest income and fee-based services.