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 -2.79%, 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 -2.79% 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.
-3.65%
0.81
32.23%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.32%
EBIT Growth (5y)
12.25%
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
26.90%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.29
EV to EBIT
11.82
EV to EBITDA
10.35
EV to Capital Employed
1.42
EV to Sales
3.03
PEG Ratio
0.88
Dividend Yield
1.40%
ROCE (Latest)
11.98%
ROE (Latest)
7.64%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
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
NET SALES(Q)
Highest at USD 343.9 MM
-15What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 142.31 MM
OPERATING PROFIT(Q)
Lowest at USD 23.15 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 6.73 %
PRE-TAX PROFIT(Q)
Lowest at USD 23.15 MM
NET PROFIT(Q)
Lowest at USD 8.83 MM
EPS(Q)
Lowest at USD 0.01
Here's what is working for Renasant Corp.
NII
Highest at USD 218.86 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
At USD 343.9 MM has Grown at 53.71%
over average net sales of the previous four periods of USD 223.73 MMMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Sales
Highest at USD 343.9 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 554.86 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend Payout Ratio
Highest at 2,056.07%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at USD 8.88 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for Renasant Corp.
Pre-Tax Profit
At USD 23.15 MM has Fallen at -64.63%
over average net sales of the previous four periods of USD 65.44 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 8.83 MM has Fallen at -83.05%
over average net sales of the previous four periods of USD 52.11 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Operating Cash Flow
Lowest at USD 142.31 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Operating Profit
Lowest at USD 23.15 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 6.73 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 23.15 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 8.83 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.01
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Capital Adequacy Ratio
Lowest at 11.08%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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