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Renasant cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$162M in Q3 2026 · $436M over twelve months

Operating cash flow$167M
Capital spending−$5.2M
Free cash flow+$162M
Cash / net income2.1×

Analysis

In Q3 2026, Renasant generated $167M of operating cash flow and spent $5.2M on capital projects, leaving free cash flow of $162M. That is $32.4M more than in Q3 2025 ($130M).

Over the twelve months to Sep 30, 2026, operating cash flow was $457M; the largest uses were other investing ($1.1B), buybacks ($193M), dividends ($87.9M); besides operations, cash came from other financing ($499M), net borrowing (+) / repaid (−) ($100M); the cash balance fell by $349M.

Operating cash flow was $167M against net income of $78.9M — 2.1× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$172M, prepaid and other assets −$132M, deferred taxes −$6.7M.

Free cash flow

Renasant: free cash flow by quarterRenasant: free cash flow by quarter$88.9MQ4 2024$45.3MQ1 2025−$40.7MQ2 2025$130MQ3 2025$104MQ4 2025$93.7MQ1 2026$76.4MQ2 2026$162MQ3 2026
Operating cash flow less capital spending.
Renasant: operating cash flow against capital spendingRenasant: operating cash flow against capital spendingOperating cash flowCapital spending$92.1M$3.2MQ4 2024$50.1M$4.8MQ1 2025−$30.6M$10.2MQ2 2025$145M$15.3MQ3 2025$107M$3.4MQ4 2025$100M$6.3MQ1 2026$82.4M$6.0MQ2 2026$167M$5.2MQ3 2026
Latest (Q3 2026): Operating cash flow $167M, Capital spending $5.2M.

Capital allocation, year by year

Renasant: where the cash came from (up) and went (down), by fiscal yearRenasant: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $143MFY2021: Net borrowing −$13.2MFY2021: Asset sales $9.8MFY2021: Capital spending −$20.5MFY2021: Buybacks −$21.3MFY2021: Dividends −$50.0M$152MFY2021FY2022: Operating cash flow $574MFY2022: Net borrowing $636MFY2022: Asset sales $1.2MFY2022: Capital spending −$14.8MFY2022: Acquisitions −$121MFY2022: Dividends −$50.0M$1.2BFY2022FY2023: Operating cash flow $149MFY2023: Net borrowing −$407MFY2023: Asset sales $943KFY2023: Capital spending −$21.6MFY2023: Dividends −$50.3M$149MFY2023FY2024: Operating cash flow $106MFY2024: Net borrowing −$200MFY2024: Shares issued $217MFY2024: Asset sales $55.7MFY2024: Capital spending −$13.6MFY2024: Dividends −$53.7M$379MFY2024FY2025: Operating cash flow $271MFY2025: Net borrowing $89.5MFY2025: Asset sales $15.1MFY2025: Capital spending −$33.7MFY2025: Buybacks −$13.3MFY2025: Dividends −$78.6M$376MFY2025
Over these 5 years operating cash flow totalled $1.2B; the largest uses were net borrowing ($620M) and dividends ($283M). Cash-flow statements as filed.

Where the cash came from and went

Renasant: sources (+) and uses (−) of cash, Q3 2026Renasant: sources (+) and uses (−) of cash, Q3 2026Other investing−$622MNet borrowing (+) / repaid (−)$491MOperating cash flow$167MCash drawn (+) / kept (−)$147MOther financing−$113MBuybacks−$43.1MDividends−$22.1MCapital spending−$5.2MAsset & business sales$97K
Renasant: sources (+) and uses (−) of cash, TTM to Q3 2026Renasant: sources (+) and uses (−) of cash, 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 profit to cash

Renasant: net income to operating cash flow, Q3 2026Renasant: net income to operating cash flow, Q3 2026Net income$78.9MDepreciation & amortization$3.0MStock-based pay$4.0MDeferred taxes−$6.7MGains on disposals−$57KPrepaid and other assets−$132MOther liabilities$172MOperating cash flow$167M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$167M−$5.2M−$43.1M−$22.1M$491M$147M$162M
Q2 2026$82.4M−$6.0M−$60.5M−$22.2M$9.4M$336M$76.4M
Q1 2026$100M−$6.3M−$75.8M−$21.6M−$250M−$146M$93.7M
Q4 2025$107M−$3.4M−$13.3M−$22.0M−$110M$13.1M$104M
Q3 2025$145M−$15.3M—−$21.2M$201M$295M$130M
Q2 2025−$30.6M−$10.2M—−$21.2M−$916K−$287M−$40.7M
Q1 2025$50.1M−$4.8M—−$14.3M−$3K$693K$45.3M
Q4 2024$92.1M−$3.2M—−$14.2M−$714K$184M$88.9M

Renasant: income statement and cash flow

Renasant, Q3 2026: revenue $273M (+1% year over year), operating margin 36.4%. The chart follows the revenue to costs, profit and cash.

Renasant: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.