Jun 2026 (Q2 FY26) — Jul 29, 2026
Renasant Q2 FY26 — Strong Adjusted Earnings and Core Deposit Growth
Read the full callRenasant (RNST) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
Renasant earnings: last reported Wed, 29 Jul 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 87.1 | +8455.1% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
What management said, and what became of it
14 of 14 judged targets kept · 8 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Core noninterest expense (NIE) quarterly outlook | low single-digit percent increase in NIE from Q1 FY26 | Mar 2026 | Noninterest expense was $161.5 million for the second quarter, a linked quarter increase of $6.2 million, mostly driven by deferred compensation accruals tied to market valuations, higher health insurance claims and annual merit increases. | Achieved |
| CET1 capital ratio target | accrete capital roughly 60 to 80 basis points a year | Mar 2025 | we'd like CET1 to be in the low 11s. And I don't think that will change. | On Track |
8 of RENASANT CORP's 22 targets are still open. See which are on track and which have gone quiet. The 2 above are the free sample; 20 more targets are in the full ledger.
Claimed
- Adjusted earnings per share were $0.94, up 36% from a year ago.
- Adjusted return on average tangible common equity was 16.25% versus 13.5% in Q2 2025.
- The efficiency ratio improved from 67.6% a year ago to 57.9% this quarter.
- Over 10,000 new accounts were opened in Q2, equating to roughly $380 million in new deposits.
Qualified
- Deposits were down $398.4 million from Q1, or 7.2% annualized, primarily due to seasonal public fund outflows.
- Reported net interest margin decreased 4 basis points to 3.83% linked quarter.
- Noninterest expense was $161.5 million for Q2, a linked quarter increase of $6.2 million, mostly driven by deferred compensation accruals, higher health insurance claims, and annual merit increases.
Price
$39.77 +2.21% · +$0.86
Performance +8.7% 1Y
1Y: $36.58 on 14 Oct 2025 → $39.77. High $44.3 (4 Aug 2026), low $33.4 (17 Nov 2025).
- Previous close
- $38.91
- 52-week range
- $33.4 – $44.3
- One year
- +10.26%
Overview
- Symbol
- RNST
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Guidance
What management said, and what became of it
14 of 14 judged targets kept · 8 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Core noninterest expense (NIE) quarterly outlook | low single-digit percent increase in NIE from Q1 FY26 | Mar 2026 | Noninterest expense was $161.5 million for the second quarter, a linked quarter increase of $6.2 million, mostly driven by deferred compensation accruals tied to market valuations, higher health insurance claims and annual merit increases. | Achieved |
| CET1 capital ratio target | accrete capital roughly 60 to 80 basis points a year | Mar 2025 | we'd like CET1 to be in the low 11s. And I don't think that will change. | On Track |
Claimed
- Adjusted earnings per share were $0.94, up 36% from a year ago.
- Adjusted return on average tangible common equity was 16.25% versus 13.5% in Q2 2025.
- The efficiency ratio improved from 67.6% a year ago to 57.9% this quarter.
- Over 10,000 new accounts were opened in Q2, equating to roughly $380 million in new deposits.
Qualified
- Deposits were down $398.4 million from Q1, or 7.2% annualized, primarily due to seasonal public fund outflows.
- Reported net interest margin decreased 4 basis points to 3.83% linked quarter.
- Noninterest expense was $161.5 million for Q2, a linked quarter increase of $6.2 million, mostly driven by deferred compensation accruals, higher health insurance claims, and annual merit increases.
The full ledger
Open RENASANT CORP’s full ledger
A free account opens 5 company ledgers a month. All 22 tracked commitments, with each call’s wording and source.
Call summaries
Mar 2026 (Q1 FY26) — Apr 29, 2026
Renasant Corporation Q1 FY26 — Strong Profitability and Efficiency Gains
Read the full callEvery analysed call
Renasant earnings calls (RNST)
Financials
What the filings say
Net profit, year on year: +8455% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Profit before tax | 97 | 50 | 52 | 3 | 75 | 97 | 110 | 109 |
| Tax rate | 25.6% | 10.1% | 20.1% | 61.8% | 20.6% | 18.5% | 20.1% | 19.8% |
| Net profit | 72 | 45 | 42 | 1 | 60 | 79 | 88 | 87 |
| EPS ($ per share) | 1.18 | — | 0.65 | 0.01 | 0.63 | — | 0.94 | 0.95 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 296 | 296 | 296 | 296 | 296 | 296 | 332 | 489 |
| Reserves | 501 | 617 | 616 | 742 | 858 | 952 | 1,094 | 1,197 |
| Total liabilities | 10,891 | 11,275 | 12,797 | 14,600 | 14,852 | 15,063 | 15,357 | 22,867 |
| Fixed assets | 209 | 310 | 300 | 293 | 284 | 283 | — | — |
| Total assets | 12,935 | 13,401 | 14,930 | 16,810 | 16,988 | 17,361 | 18,035 | 26,751 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 82 | 164 | 82 | 143 | 574 | 149 | 106 | 271 |
| Cash from investing | -503 | -506 | -1,266 | -660 | -2,044 | -55 | -275 | -734 |
| Cash from financing | 709 | 188 | 1,402 | 1,762 | 168 | 132 | 459 | 441 |
| Net cash flow | 288 | -154 | 218 | 1,245 | -1,302 | 225 | 291 | -21 |
| Capital expenditure | -22 | -35 | -28 | -21 | -15 | -22 | -14 | -34 |
| Free cash flow | 60 | 129 | 54 | 122 | 559 | 127 | 93 | 238 |
Insider filings
60 filings between Nov 11, 2025 and Oct 5, 2026.
Open market
decisions to buy or sellPurchases
$69.6K
1 purchase by 1 insider
Sales
$3.72M
10 sales by 8 insiders
Compensation
not trading decisions- 30
- Award — granted as compensation
- 1
- Option exercise — converted options into shares
- 9
- Tax withheld — shares kept back by the company to cover tax
Also filed: 7 dispositions to the issuer, 2 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| MCGRAW EDWARD ROBINSON | — | $1.54M | Aug 3, 2026 |
| COLE M RAY JR | — | $812.5K | Feb 13, 2026 |
| WAYCASTER C MITCHELL | — | $501.8K | May 14, 2026 |
| Mabry James C. IV | — | $472.9K | Jan 30, 2026 |
| Jeanfreau Mark | — | $227.3K | Feb 2, 2026 |
| LEVY JONATHAN A | $69.6K | — | Nov 11, 2025 |
| DALE ALBERT J III | — | $65.7K | May 19, 2026 |
| Hutcheson Kelly | — | $52.2K | Mar 4, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Oct 5, 2026 | MEALOR CATHERINE EVP | Award | 11,273 | $0 |
| Aug 3, 2026 | MCGRAW EDWARD ROBINSON Director | Sale | 35,000 | $1.54M |
| May 29, 2026 | Engel Connie L Director | Sale | 1,257 | $51.4K |
| May 19, 2026 | DALE ALBERT J III Director | Sale | 1,650 | $65.7K |
| May 15, 2026 | MCGRAW EDWARD ROBINSON Director | Option exercise | 1,040 | $41.4K |
| May 15, 2026 | MCGRAW EDWARD ROBINSON Director | Tax withheld | 385 | $15.3K |
| May 14, 2026 | WAYCASTER C MITCHELL Executive Vice Chairman | Sale | 12,704 | $501.8K |
| Apr 28, 2026 | Clark Donald JR Director | Award | 2,060 | $0 |
| Apr 28, 2026 | Deer Jill V Director | Award | 2,060 | $0 |
| Apr 28, 2026 | HOLLAND NEAL A JR Director | Award | 2,060 | $0 |
| Apr 28, 2026 | CREEKMORE JOHN Director | Award | 2,060 | $0 |
| Apr 28, 2026 | FOY JOHN Director | Award | 2,060 | $0 |
| Apr 28, 2026 | MCGRAW EDWARD ROBINSON Director | Award | 2,060 | $0 |
| Apr 28, 2026 | Engel Connie L Director | Award | 2,060 | $0 |
| Apr 28, 2026 | Butler Gary D. Director | Award | 2,060 | $0 |
| Apr 28, 2026 | Suggs Sean M. Director | Award | 2,060 | $0 |
| Apr 28, 2026 | Flenorl Rose J. Director | Award | 2,060 | $0 |
| Apr 28, 2026 | Moore Diana Renee Director | Award | 2,060 | $0 |
| Apr 28, 2026 | DALE ALBERT J III Director | Award | 2,060 | $0 |
| Apr 28, 2026 | PARKER TED E Director | Award | 2,060 | $0 |
| Apr 28, 2026 | LEVY JONATHAN A Director | Award | 2,060 | $0 |
| Apr 1, 2026 | COLE M RAY JR SEVP and Executive Advisor | Award | 14,531 | $0 |
| Mar 19, 2026 | Meredith David Executive Vice President | Disposition to issuer | 1,697 | $0 |
| Mar 19, 2026 | Chapman Kevin D President and CEO | Tax withheld | 7,372 | $253.5K |
| Mar 19, 2026 | Chapman Kevin D President and CEO | Disposition to issuer | 3,816 | $0 |
| Mar 19, 2026 | COCHRAN JAMES SCOTT Executive Vice President | Tax withheld | 3,986 | $137.1K |
| Mar 19, 2026 | WAYCASTER C MITCHELL Executive Vice Chairman | Tax withheld | 10,858 | $373.4K |
| Mar 19, 2026 | COCHRAN JAMES SCOTT Executive Vice President | Disposition to issuer | 2,279 | $0 |
| Mar 19, 2026 | WAYCASTER C MITCHELL Executive Vice Chairman | Disposition to issuer | 5,854 | $0 |
| Mar 19, 2026 | Meredith David Executive Vice President | Tax withheld | 3,001 | $103.2K |
| Mar 19, 2026 | Perry Curtis J EVP | Tax withheld | 4,296 | $147.7K |
| Mar 19, 2026 | Jeanfreau Mark EVP/General Counsel | Disposition to issuer | 1,697 | $0 |
| Mar 19, 2026 | Mabry James C. IV EVP and CFO | Tax withheld | 5,272 | $181.3K |
| Mar 19, 2026 | Mabry James C. IV EVP and CFO | Disposition to issuer | 2,279 | $0 |
| Mar 19, 2026 | Jeanfreau Mark EVP/General Counsel | Tax withheld | 3,302 | $113.6K |
| Mar 19, 2026 | Perry Curtis J EVP | Disposition to issuer | 2,279 | $0 |
| Mar 4, 2026 | Hutcheson Kelly EVP/Chief Accounting Officer | Sale | 1,350 | $52.2K |
| Feb 13, 2026 | COLE M RAY JR SEVP and Executive Advisor | Sale | 1,162 | $47.2K |
| Feb 13, 2026 | COLE M RAY JR SEVP and Executive Advisor | Sale | 17,778 | $722.2K |
| Feb 13, 2026 | COLE M RAY JR SEVP and Executive Advisor | Sale | 1,060 | $43.1K |
| Feb 2, 2026 | Jeanfreau Mark EVP/General Counsel | Sale | 6,000 | $227.3K |
| Jan 30, 2026 | Mabry James C. IV EVP and CFO | Sale | 12,500 | $472.9K |
| Jan 27, 2026 | Hutcheson Kelly EVP/Chief Accounting Officer | Award | 3,078 | $0 |
| Jan 27, 2026 | WAYCASTER C MITCHELL Executive Vice Chairman | Award | 4,561 | $0 |
| Jan 23, 2026 | Hutcheson Kelly EVP/Chief Accounting Officer | Tax withheld | 876 | $30.9K |
| Jan 1, 2026 | Chapman Kevin D President and CEO | Award | 24,018 | $0 |
| Jan 1, 2026 | Chapman Kevin D President and CEO | Award | 24,018 | $0 |
| Jan 1, 2026 | Perry Curtis J EVP | Award | 6,587 | $0 |
| Jan 1, 2026 | Perry Curtis J EVP | Award | 6,587 | $0 |
| Jan 1, 2026 | COCHRAN JAMES SCOTT Executive Vice President | Award | 5,764 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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