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Renasant (RNST) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Renasant (RNST) Q3 2026 earnings results →

Q3 2026 Revenue up 1% year over year to $273M · 29¢ of every $1 of revenue kept as net profit · operating margin 36.4%

Renasant made $273M in Q3 2026 (+1% Y/Y): Net interest income $224M, Noninterest income $49.3M. Operating margin 36.4%, net earnings $78.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.

Revenue$273M
Year over year+1%
Operating margin36.4%
Net earnings$78.9M
Operating cash flow$167M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $273.0M in Q3 2026, up 1% year over year and roughly flat from the previous quarter. Net interest income was the largest line at 82% of revenue. Noninterest income added $3.2M year over year (up 7%), 95% of the total change.

Operating profit was $99.3M, a 36.4% margin (up 8.5 points year over year). Of the extra revenue versus a year earlier, 704% reached operating profit, above the 28% margin then. Total costs fell 11% while revenue rose 1%. The fastest-growing cost line was Credit loss provision (+27%). Net earnings were $78.9M, up 32% year over year. The effective tax rate was 20.5%.

Operating cash flow was $167.1M (up 15% year over year), 212% of net earnings. Non-cash charges added back $3.0M of depreciation and amortization and $4.0M of share-based compensation. Working capital and other items added $81.1M. Capital expenditures of $5.2M left free cash flow of $161.9M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 4, 2026$273M+1%36.4%$78.9M$167M

Charts

Renasant: where the cash came from (+) and went (−), TTM to Q3 2026Renasant: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$1.1BOther financing$499MOperating cash flow$457MCash drawn (+) / kept (−)$349MBuybacks−$193MNet borrowing (+) / repaid (−)$100MDividends−$87.9MCapital spending−$20.9MAsset & business sales$8.1M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Renasant: profit against cash, quarter by quarterRenasant: profit against cash, quarter by quarterNet incomeOperating cash flow$44.7M$92.1MQ4 2024$41.5M$50.1MQ1 2025$1.0M−$30.6MQ2 2025$59.8M$145MQ3 2025$78.9M$107MQ4 2025$88.2M$100MQ1 2026$87.1M$82.4MQ2 2026$78.9M$167MQ3 2026
Latest (Q3 2026): Net income $78.9M, Operating cash flow $167M.
Renasant: diluted shares by fiscal yearRenasant: diluted shares by fiscal year56MFY202056MFY202156MFY202256MFY202360MFY202488MFY2025
+55.0% since FY2020: more shares outstanding (issuance, stock pay).
Renasant in its industry: growth against margin (133 companies, SIC 6022)Renasant in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFRNST (+1%, 36%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Renasant

Renasant Corporation, a Mississippi corporation incorporated in 1982. It owns and operates Renasant Bank, a Mississippi banking corporation with operations throughout the Southeast, and also owns and operates Park Place Capital Corporation, a Tennessee corporation and registered investment advisor with operations across our footprint. Renasant Bank, in turn, owns and operates Continental Republic Capital, LLC (doing business as “Republic Business Credit”), a Louisiana limited liability company offering factoring and asset-based lending on a nationwide basis, while Park Place Capital Corporation, in turn, owns and operates Park Place Capital Securities Corporation, a Delaware corporation and registered broker-dealer.

In its own words, from its 10-K, filed Mar 2, 2026.

Renasant against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +1% against the peers' median +10%. Operating margin: 36.4% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
RNST RenasantQ3 2026$273M+1%36.4%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Renasant 10-Q on SEC EDGAR · CIK 715072 · State Commercial Banks

Guidance and outlook

Renasant: what its forward-looking statements are about (10-Q filed 2026-11-04)Renasant: what its forward-looking statements are about (10-Q filed 2026-11-04)Other4Financing3Margins2Costs2Supply chain1Deals1
13 statements; tone +0.08 (−1 all cautious, +1 all confident); 3 hedged.
Renasant: outlook statements against the filing beforeRenasant: outlook statements against the filing beforeConfident3Cautious2

13F: who owns RNST and who is buying

Largest holders of RNST (13F)Largest holders of RNST (13F)BlackRock$567MVanguard Group$377MWellington Management Group LLP$246MVanguard Portfolio Management LLC$246MDimensional Fund Advisors LP$230MState Street$219MVanguard Capital Management LLC$177MInvesco$123MVictory Capital Management$116MGeode Capital Management, LLC$102M
Funds' net buying of RNST by quarter (13F)Funds' net buying of RNST by quarter (13F)$136M2024-09−$15.3M2024-12$203M2025-03$585M2025-06$51.0M2025-09−$99.3M2025-12−$5.5M2026-03$33.0M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on RNST

History

Every quarter: Q3 2026 results

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中文版：Renasant（RNST）财报

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