Renasant

RNST · NYSE

$40.34+$0.65 (+1.64%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $39.69

RNST analyst rating

BuyConsensus of 3 analysts over the last 12 months. 100% rate it a buy.

Strong buy0
Buy3
Hold0
Underperform0
Sell0

12-month price target · 9 analysts

Average $48.81 (+21.0% upside)

Low: $45.45
Now: $40.34
High: $52.50

Upgrades and downgrades

The latest rating actions, newest first

RNST analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
TD Cowen	Oct 5, 2026	Maintains	Buy	$49.00 → $46.00	47%
Piper Sandler	Jul 30, 2026	Maintains	Overweight	$46.00 → $48.00	67%
TD Cowen	Jul 30, 2026	Maintains	Buy	$48.00 → $49.00	47%
TD Cowen	Jan 7, 2026	Maintains	Buy	$44.00 → $45.00	47%
TD Cowen	Oct 30, 2025	Maintains	Buy	$45.00 → $44.00	47%
Hovde Group	Oct 30, 2025	Upgrade	Market Perform → Outperform	$40.00 → $41.00	66%

The case for and against

Updated Oct 23, 2025

Bull case

Renasant Corporation has demonstrated robust growth in its loan pipelines, with year-to-date figures reaching $189 million, which reflects an increase from $174 million in the preceding quarter and highlights breadth across various markets and segments. Notably, the company has achieved a net interest margin (NIM) expansion of 9 basis points to 3.45%, surpassing expectations due to a decline in deposit costs, indicating improved efficiency in managing funding costs while only experiencing a nominal drop in loan yields. Additionally, the performance of its fee-based services has surpassed projections by $0.02, attributed to increases in trust, mortgage, and other fee income sources, further bolstering its positive financial outlook.

Bear case

Renasant Corporation faces several challenges impacting its financial outlook, including revised growth projections that have been lowered to 4% for the second quarter due to market uncertainty, with only modest growth of 5-6% anticipated for the latter half of 2025 and into 2026. Additionally, there are significant risks to achieving financial targets, notably concerning potential declines in net interest margin (NIM) from interest rate fluctuations, lower mortgage earnings amid industry volatility, and ongoing deterioration in asset quality. Furthermore, integration risks associated with mergers and acquisitions pose additional uncertainty that could further hinder the company's financial performance.

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