RENASANT CORP financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data RENASANT CORP files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Interest expense	28.1	37.9	65.3	98.9	71.3	44.7	60.5	278
Pre-tax income	136	160	189	216	103	223	211	177	245	227
Income tax	44.8	67.7	41.7	48.1	19.8	46.9	45.2	32.5	49.5	45.5
Net income	90.9	92.2	147	168	83.7	176	166	145	195	181
EPS, basic	2.18	1.97	2.80	2.89	1.49	3.13	2.97	2.58	3.29	2.09
EPS, diluted	2.17	1.96	2.79	2.88	1.48	3.12	2.95	2.56	3.27	2.07
Shares, basic (weighted)	41.7	46.9	52.5	58	56.3	56.1	55.9	56.1	59.4	86.9
Shares, diluted (weighted)	42	47	52.6	58.2	56.5	56.4	56.2	56.4	59.7	87.5
Dividend per share	0.71	0.73	0.80	0.87	0.88	0.88	0.88	0.88	0.88	0.89

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	306	281	569	415	633	1,878	576	801	1,092	1,071
Property, plant and equipment	179	183	209	310	300	293	284	283
Lease right-of-use assets				84.8	66	63.5	54.9	48.5	46.8	55.9
Goodwill	471	611	933	940	940	940	992	992	989	1,406
Intangible assets	24.1	24.5	44.9	37.3	30.1	24.1	24.2	18.8	14.1	147
Total assets	8,700	9,830	12,935	13,401	14,930	16,810	16,988	17,361	18,035	26,751
Short-term debt	110	89.8	388	489	21.3	13.9	712	308	108	556
Total liabilities	7,467	8,315	10,891	11,275	12,797	14,600	14,852	15,063	15,357	22,867
Total debt	202	208	264	377	475	471	428	429	431	500
Paid-in capital	707	898	1,289	1,294	1,297	1,300	1,302	1,308	1,492	2,393
Retained earnings	338	397	501	617	616	742	858	952	1,094	1,197
Treasury stock	-21.7	-19.9	-24.2	-83.2	-102	-118	-112	-105	-97.2	-103
Other comprehensive income	-15.9	-10.5	-17.9	0.76	25.1	-10.4	-209	-154	-143	-89.7
Shareholders' equity	1,233	1,515	2,044	2,126	2,133	2,210	2,136	2,297	2,678	3,885
Total equity	1,233	1,515	2,044	2,126	2,133	2,210	2,136	2,297	2,678	3,885
Total liabilities and equity	8,700	9,830	12,935	13,401	14,930	16,810	16,988	17,361	18,035	26,751
Shares outstanding	44.3	49.3	58.5	56.9	56.2	55.8	56	56.1	63.6	94.6

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	90.9	92.2	147	168	83.7	176	166	145	195	181
Depreciation and amortization	3.09	4.83	3.5	8.19	34.6	47.4	42.7	35.2	32.3	16.2
Stock-based compensation	3.12	5.29	7.25	10.2	10.6	10.1	11.5	13.7	13.9	17.7
Deferred income tax	11	37.9	16.4	20	-13.7	11.4	2.28	-5.01	4.65	1.69
Cash from operations	164	207	82.1	164	82.2	143	574	149	106	271
Capital expenditures	-13.6	-13	-22.4	-35	-28.3	-20.5	-14.8	-21.6	-13.6	-33.7
Acquisitions						0	-121	0	0
Purchases of investments	-140	-210	-687	-492	-516	-2,108	-713	-11.9	-174	-1,201
Sales and maturities of investments	158	169	161	262	438	458	386	149	88.8	311
Cash from investing	-352	69.7	-503	-506	-1,266	-660	-2,044	-55.4	-275	-734
Debt issued	98.4	0	0	150	98.3	197	0	0
Debt repaid	-47.2	-170	-0.85	-35.4	-0.17	-203	-32.4	-2.68	-0.25	-60
Stock issued	84.1	0	0	0	0
Share buybacks	0	0	-7.06	-62.9	-24.6	-21.3	0	0	0	-13.3
Dividends paid	-29.7	-34.4	-43.6	-50.9	-50.1	-50	-50	-50.3	-53.7	-78.6
Cash from financing	283	-301	709	188	1,402	1,762	168	132	459	441
Net change in cash	94.7	-24.8	288	-154	218	1,245	-1,302	225	291	-21.3
Free cash flow	150	194	59.8	129	54	122	559	127	92.8	238
Interest paid	25.9	36.9	66.7	98.4	73.7	45.7	54.6	240	381	443
Income taxes paid	22.7	32.6	24.5	26.7	40	51	41.8	42	29.1	18.4

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $40.35 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Effective tax rate	19.7%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	8.1%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	1.2%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Net income growth, 1y	-7.3%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	3.0%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	16.7%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	-36.7%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	-11.1%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	6.9%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	155.1%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	-22.1%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	27.0%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	156.3%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	-24.8%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	34.5%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	1.1%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	0.4%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	0.2%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	45.1%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	22.1%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	12.7%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	48.3%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	16.3%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	12.4%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	46.5%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	15.9%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	9.2%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Debt / equity	0.21x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	2.9%	Total debt / total assets.
Liabilities / assets	85.7%	Total liabilities / total assets.
Net debt	-$84.7M	Total debt - cash - short-term investments. Negative means more cash than debt.
Goodwill and intangibles / assets	5.8%	(Goodwill + intangible assets) / total assets.
Tangible book value	$2.32B	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
FCF conversion	128.4%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	7.2%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$3.41	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share	$4.37	Free cash flow / diluted weighted shares.
Operating cash flow per share	$4.71	Cash from operations / diluted weighted shares.
Book value per share	$42.35	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$25.34	Tangible book value / shares outstanding.
Cash per share	$9.64	(Cash + short-term investments) / shares outstanding.
Payout ratio	27.7%	Dividends paid / net income, when net income is positive.
Dividends / FCF	21.6%	Dividends paid / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$3.69B	Share price x shares outstanding.
Enterprise value	$3.60B	Market cap + total debt - cash - short-term investments.
P/E	11.7x	Market cap / net income. Only when net income is positive.
P/B	0.95x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	1.59x	Market cap / tangible book value, when positive.
P/FCF	9.14x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	8.49x	Market cap / cash from operations, when positive.
EV/FCF	8.93x	Enterprise value / free cash flow, when both are positive.
FCF yield	10.9%	Free cash flow / market cap.
Earnings yield	8.5%	Net income / market cap (the inverse of P/E).
Dividend yield	2.4%	Dividends paid over the period / market cap.
Shareholder yield	2.4%	(Dividends paid + share buybacks) / market cap.

Was RENASANT CORP profitable in fiscal 2025?

Yes. Net income was $181.3M, a net margin of -.

How much free cash flow did RENASANT CORP generate in fiscal 2025?

Cash from operations of $271.5M minus capital expenditures of $33.7M left free cash flow of $237.8M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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