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Renasant RNST Q4 2025 Annual earnings

Reported January 27, 2026 · After market close

Revenue$278.5MBeat by $2.7M
EPS$0.91Beat by $0.11
Revenue estimate$275.9M
EPS estimate$0.80

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$282.1M
EPS estimate$0.94

Financials

Q4 2025

Income statement

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Revenue$278.5M+66.7%
Net income$78.9M+76.4%
EPS (diluted)$0.87+27.9%

Balance sheet

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Cash & equivalents$1.1B-2.0%
Total debt$1.1B+89.2%
Total equity$3.9B+45.1%
Total assets$26.8B+48.3%

Cash flow

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Operating cash flow$107.1M+16.3%
CapEx$3.4M+4.5%
Free cash flow$103.8M+16.8%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$3.35B+47.3%
Enterprise value$3.39B+91.6%
P/E18.5×+6.8×
P/S3.4×+0.2×

Profitability

See full
Net margin18.4%-8.9pp

Returns & leverage

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Return on equity5.5%-2.3pp
Debt / equity0.3×+0.1×

Segments

By product

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Bank Servicing$3.0M-20.4%

FAQ

When did Renasant report Q4 2025 earnings?
Renasant (RNST) reported Q4 2025 earnings on January 27, 2026 after market close.
What were Renasant's Q4 2025 revenue and EPS?
Renasant reported revenue of $278.5M and eps of $0.91 for Q4 2025.
Did Renasant beat estimates in Q4 2025?
Revenue beat the consensus estimate of $275.9M by $2.7M. EPS beat the consensus estimate of $0.80 by $0.11.
How did Renasant's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 66.7% from $167.1M a year earlier and eps grew 24.7% from $0.73.
Where can I find Renasant's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000715072-26-000004) and the 10-K periodic report (0000715072-26-000017) directly on SEC EDGAR. The filing index links above go to sec.gov.