ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Renasant Corp. ?
1
High Profitability with a Net Interest Margin of 9.84%
2
Positive results in Jun 25
- NII(Q) Highest at USD 218.86 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 2,056.07%
- CASH AND EQV(HY) Highest at USD 554.86 MM
3
With ROA of 0.95%, it has a attractive valuation with a 1.29 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -0.05%, its profits have risen by 35% ; the PEG ratio of the company is 0.9
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -0.05% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Renasant Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Renasant Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Renasant Corp.
15.18%
0.93
32.27%
S&P 500
22.99%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.44%
EBIT Growth (5y)
8.78%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
42.97%
Pledged Shares
0
Institutional Holding
90.96%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
0.88
EV to EBIT
12.71
EV to EBITDA
11.13
EV to Capital Employed
0.87
EV to Sales
2.43
PEG Ratio
NA
Dividend Yield
1.67%
ROCE (Latest)
6.87%
ROE (Latest)
5.46%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 265.38 MM
NET SALES(HY)
At USD 685.05 MM has Grown at 53.71%
CASH AND EQV(HY)
Highest at USD 664.34 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 110.42 MM
OPERATING PROFIT MARGIN(Q)
Highest at 32.66 %
PRE-TAX PROFIT(Q)
Highest at USD 110.42 MM
NET PROFIT(Q)
Highest at USD 88.23 MM
EPS(Q)
Highest at USD 0.94
-6What is not working for the Company
INTEREST(9M)
At USD 361.68 MM has Grown at 30.74%
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 24.56%
CREDIT DEPOSIT RATIO(HY)
Lowest at 85.84%
Here's what is working for Renasant Corp.
Net Sales
At USD 685.05 MM has Grown at 53.71%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Cash Flow
Highest at USD 265.38 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 110.42 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 32.66 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 110.42 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 110.42 MM has Grown at 60%
over average net sales of the previous four periods of USD 69.02 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 88.23 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 88.23 MM has Grown at 66.29%
over average net sales of the previous four periods of USD 53.06 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.94
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 664.34 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Renasant Corp.
Non Performing Loans (%)
Highest at 1.06%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Interest
At USD 361.68 MM has Grown at 30.74%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Credit Deposit Ratio
Lowest at 85.84%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Lowest at 24.56%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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