Financials Renasant Corporation

Equities

RNST

US75970E1073

Banks

Market Closed - Nyse Other stock markets 04:00:02 2025-01-15 pm EST			5-day change	1st Jan Change
36.01 ^USD	+0.90%		+3.18%	+0.73%

Oct. 23	Renasant Corporation, Q3 2024 Earnings Call, Oct 23, 2024
Oct. 22	Renasant Q3 Adjusted Earnings Fall, Revenue Rises; Shareholders Approve First Bancshares Deal	MT

Projected Income Statement: Renasant Corporation

income-statement-evolution-chart RENASANT-CORPORATION

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net sales ¹	605.2	680.9	657.7	636	643.4	667.7	854.7	1,098
Change	-	12.52%	-3.41%	-3.3%	1.17%	3.78%	28%	28.42%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	231.3	234.1	210.4	236	233.4	217.4	276.5	452.7
Change	-	1.2%	-10.11%	12.15%	-1.1%	-6.84%	27.16%	63.74%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	216.1	103.5	222.8	211.3	177.2	245	211.8	388.9
Change	-	-52.11%	115.31%	-5.17%	-16.15%	38.29%	-13.58%	83.64%
Net income ¹	167.9	83.65	175.9	166.1	144.7	188.4	138.6	299.9
Change	-	-50.18%	110.27%	-5.59%	-12.88%	30.23%	-26.44%	116.41%
Announcement Date	1/21/20	1/26/21	1/25/22	1/24/23	1/23/24	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2019 Q4	2020 Q1	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3
Net sales ¹	147.4	155.5	176.5	178	170.9	177.4	158.8	155	150.8	138.8	150.7	171.5	174	173.1	150.3	169	149	167.2	166.4	169.5	167.4	165.8	168	268.6	270.1	268.2	277.6	283
Change	-	5.44%	13.57%	0.81%	-3.98%	3.79%	-10.47%	-2.41%	-2.69%	-7.95%	8.56%	13.78%	1.43%	-0.51%	-13.15%	12.41%	-11.84%	12.27%	-0.52%	1.9%	-1.24%	-0.95%	1.28%	59.95%	0.55%	-0.71%	3.52%	1.94%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	51.97	43.32	64.52	62.04	58.77	64.12	51.96	52.6	49.19	42.66	54.17	66.97	72.19	63.86	59.72	57.84	52.61	48.23	51.81	56.24	54.6	52.51	50.7	106.5	108.8	113.6	121.6	123.1
Change	-	-16.64%	48.94%	-3.84%	-5.27%	9.1%	-18.97%	1.22%	-6.48%	-13.27%	26.97%	23.62%	7.79%	-11.54%	-6.49%	-3.14%	-9.04%	-8.33%	7.42%	8.54%	-2.92%	-3.82%	-3.45%	110.03%	2.19%	4.44%	6.95%	1.28%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	48.27	2.781	24.77	37.6	38.34	74.75	48.41	51.25	48.42	41.48	50.54	60.13	59.16	57.4	35.28	53.23	31.91	49.32	48.51	97.38	48.62	40	38	76.53	89.17	85.45	91.5	91.5
Change	-	-94.24%	790.58%	51.83%	1.95%	94.97%	-35.23%	5.86%	-5.52%	-14.32%	21.82%	18.99%	-1.61%	-2.98%	-38.54%	50.88%	-40.05%	54.56%	-1.64%	100.73%	-50.07%	-17.72%	-5.01%	101.39%	16.52%	-4.17%	7.08%	0%
Net income ¹	38.73	2.008	20.13	29.99	31.52	57.91	40.87	40.06	37.05	33.55	39.68	46.57	46.28	46.08	28.64	42.33	28.12	39.41	38.85	72.46	36.66	29.9	1.633	57.16	69.89	66	70.4	70.35
Change	-	-94.82%	902.49%	48.99%	5.1%	83.71%	-29.43%	-1.97%	-7.51%	-9.46%	18.28%	17.36%	-0.62%	-0.43%	-37.84%	47.79%	-33.56%	40.13%	-1.43%	86.52%	-49.4%	-18.44%	-94.54%	3,399.62%	22.27%	-5.57%	6.67%	-0.07%
Announcement Date	1/21/20	4/28/20	7/27/20	10/27/20	1/26/21	4/27/21	7/27/21	10/28/21	1/25/22	4/26/22	7/26/22	10/25/22	1/24/23	4/25/23	7/25/23	10/24/23	1/23/24	4/23/24	7/23/24	10/22/24	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: Renasant Corporation

balance-sheet-analysis-chart RENASANT-CORPORATION

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	1/21/20	1/26/21	1/25/22	1/24/23	1/23/24	-	-	-

Estimates

Cash Flow Forecast: Renasant Corporation

Fiscal Period: December	2018	2019	2020	2021	2022	2023
CAPEX ¹	22.36	34.97	28.27	20.52	14.84	21.63
Change	-	56.38%	-19.15%	-27.43%	-27.68%	45.8%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	2/27/19	2/27/20	2/26/21	2/25/22	2/24/23	2/23/24

¹USD in Million

Estimates

Forecast Financial Ratios: Renasant Corporation

Fiscal Period: December	2018	2019	2020	2021	2022	2023	2024	2025	2026
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	38.22%	34.38%	31.99%	37.11%	36.28%	32.56%	32.35%	41.25%
EBT Margin (%)	-	35.71%	15.2%	33.88%	33.22%	27.54%	36.7%	24.77%	35.43%
Net margin (%)	-	27.75%	12.29%	26.74%	26.11%	22.49%	28.22%	16.22%	27.33%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	1.3%	0.58%	1.11%	1%	0.84%	0.99%	0.73%	1.13%
ROE	-	7.97%	3.96%	7.96%	7.6%	6.5%	7.04%	5.97%	7.77%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.87	0.88	0.88	0.88	0.88	0.8833	0.9167	0.9267
Change	-	-	1.15%	0%	0%	0%	0.38%	3.77%	1.09%
Book Value Per Share ¹	-	37.39	37.95	39.63	38.18	40.92	42.16	40.94	43.41
Change	-	-	1.5%	4.43%	-3.66%	7.18%	3.02%	-2.88%	6.04%
EPS ¹	-	2.88	1.48	3.12	2.95	2.56	3.243	1.62	3.224
Change	-	-	-48.61%	110.81%	-5.45%	-13.22%	26.69%	-50.05%	99.01%
Nbr of stocks (in thousands)	-	57,249	56,195	55,747	55,953	56,142	63,566	63,566	63,566
Announcement Date	-	1/21/20	1/26/21	1/25/22	1/24/23	1/23/24	-	-	-