Filing Flows › Renasant (RNST) › Q3 2026
Renasant (RNST) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
Renasant (RNST) reported revenue of $273M for the third quarter 2026 (Q3 2026), +1% from a year earlier and -0.4% from the quarter before. Operating margin was 36.4%, net earnings $78.9M (28.9% of revenue).
Renasant, Q3 2026: revenue $273M (+1% year over year), operating margin 36.4%, net earnings $78.9M, operating cash flow $167M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $273M | -0.4% | +1% |
| Operating profit | $99.3M | -9% | +32% |
| Net earnings | $78.9M | -9% | +32% |
| Operating cash flow | $167M | +103% | +15% |
| Free cash flow | $162M | +112% | +25% |
What changed
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.
Questions
What was Renasant's revenue in the third quarter 2026?
Renasant (RNST) reported revenue of $273M for the third quarter 2026 (Q3 2026), +1% from a year earlier and -0.4% from the quarter before.
Was Renasant profitable in the third quarter 2026?
Operating profit was $99.3M (36.4% of revenue) and net earnings $78.9M.
Source: Renasant 10-Q on SEC EDGAR.