Market Price

22.72 

-0.10 -0.4%

as of Sep 30 '20

52 Week Range:

18.22 36.84


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Renasant Corporation operates as a bank holding company for Renasant Bank, which provides a range of financial, wealth management, fiduciary, and insurance services to retail and commercial customers. It operates through three segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment offers checking and savings accounts, business and personal loans, and equipment leasing services, as well as safe deposit and night depository facilities. It also provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate–1-4 family mortgage; real estate–commercial mortgage; real estate–construction loans for the construction of single family residential properties, multi-family properties, and commercial projects; installment loans to individuals; and business and personal, and interim construction loans, as well as automated teller machine (ATM), online and mobile banking, call center, and cash management services. The Insurance segment provides insurance agency services, including commercial and personal insurance products through third-party insurance carriers. The Wealth Management segment offers range of wealth management and fiduciary services, including administration and management of trust accounts, such as personal and corporate benefit accounts, self-directed individual retirement accounts, and custodial accounts; annuities, mutual funds, and other investment services through a third party broker-dealer; and administers qualified retirement plans, profit sharing and other employee benefit plans, personal trusts, and estates. As of December 31, 2018, the company had 199 banking, insurance, and financial service offices located in Mississippi, Tennessee, Alabama, Florida, and Georgia; 152 full-service branches and 12 limited-service branches; and 151 ATMs at on-premise locations and 24 ATMs located at off-premise sites. Renasant Corporation was founded in 1904 and is headquartered in Tupelo, Mississippi.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 19.45
18.75
19.44
19.80
20.94
22.21
25.63
25.77
30.65
34.34
37.28
growth rate -3.6% 3.7% 1.9% 5.8% 6.1% 15.4% 0.6% 18.9% 12.0% 8.6%
Earnings BIT 24.38
46.69
34.68
33.47
45.75
93.60
107.71
146.07
173.10
growth rate 91.5% -25.7% -3.5% 36.7% 104.6% 15.1% 35.6% 18.5%
Avg.PE 15.58
12.27
14.75
18.08
25.77
15.27
17.73
18.99
21.93
12.92
11.83
growth rate -21.3% 20.2% 22.6% 42.5% -40.8% 16.1% 7.1% 15.5% -41.1% -8.4%
ROA 0.50
0.80
0.60
0.64
0.67
1.03
0.99
1.09
1.00
1.29
1.27
growth rate 60.0% -25.0% 6.7% 4.7% 53.7% -3.9% 10.1% -8.3% 29.0% -1.6%
ROE 4.57
7.20
5.36
5.41
5.75
8.65
7.78
8.01
6.71
8.26
8.04
growth rate 57.6% -25.6% 0.9% 6.3% 50.4% -10.1% 3.0% -16.2% 23.1% -2.7%
ROIC 6.14
8.00
7.36
6.74
6.75
8.75
growth rate 30.3% -8.0% -8.4% 0.2% 29.6%
Leverage 8.88
9.15
8.62
8.39
8.63
8.16
7.64
7.06
6.49
6.33
6.30
growth rate 3.0% -5.8% -2.7% 2.9% -5.5% -6.4% -7.6% -8.1% -2.5% -0.5%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Payable 4,838.42
6,218.60
7,059.14
7,921.08
10,128.56
10,213.17
growth rate 28.5% 13.5% 12.2% 27.9% 0.8%
Cur.Assets 225.41
479.73
516.50
411.68
998.10
749.71
growth rate 112.8% 7.7% -20.3% 142.4% -24.9%
Total Assets 3,641.10
4,297.30
4,202.01
4,178.62
5,746.27
5,805.13
7,926.50
8,699.85
9,829.98
12,934.88
13,400.62
growth rate 18.0% -2.2% -0.6% 37.5% 1.0% 36.5% 9.8% 13.0% 31.6% 3.6%
Cash 148.60
292.70
1,005.36
806.50
1,159.98
109.29
156.33
197.18
152.02
455.77
227.09
growth rate 97.0% 243.5% -19.8% 43.8% -90.6% 43.1% 26.1% -22.9% 199.8% -50.2%
Inventory 34.47
35.40
23.30
15.93
11.04
8.01
growth rate 2.7% -34.2% -31.6% -30.7% -27.5%
Cur.Liabilities 4,877.35
6,648.20
7,174.72
8,016.93
10,524.70
10,721.99
growth rate 36.3% 7.9% 11.7% 31.3% 1.9%
Liabilities 3,231.00
3,827.80
3,714.81
3,680.41
5,080.62
5,093.48
6,889.68
7,466.97
8,315.00
10,890.97
11,274.93
growth rate 18.5% -3.0% -0.9% 38.0% 0.3% 35.3% 8.4% 11.4% 31.0% 3.5%
LT Debt 2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
156.19
148.22
202.46
207.55
263.57
376.50
growth rate 0.1% 0.1% 0.1% 0.1% -92.2% -5.1% 36.6% 2.5% 27.0% 42.9%
Equity 410.10
469.50
487.20
498.21
665.65
711.65
1,036.82
1,232.88
1,514.98
2,043.91
2,125.69
growth rate 14.5% 3.8% 2.3% 33.6% 6.9% 45.7% 18.9% 22.9% 34.9% 4.0%
Common Shares 21.00
23.00
25.00
25.00
27.00
32.00
36.00
42.00
47.00
53.00
58.00
growth rate 9.5% 8.7% 0.0% 8.0% 18.5% 12.5% 16.7% 11.9% 12.8% 9.4%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 1.00
11.50
6.33
17.59
8.05
22.18
25.17
13.56
13.05
22.36
34.97
growth rate 1,050.0% -44.9% 177.7% -54.2% 175.5% 13.5% -46.1% -3.8% 71.4% 56.4%
Cash Dividends 14.40
15.70
17.07
17.12
19.30
21.52
24.56
29.73
34.42
43.61
50.90
growth rate 9.0% 8.7% 0.3% 12.8% 11.5% 14.1% 21.1% 15.8% 26.7% 16.7%
Cash From OA 49.70
100.50
153.13
177.71
153.29
124.68
252.63
163.80
207.04
82.11
163.62
growth rate 102.2% 52.4% 16.1% -13.7% -18.7% 102.6% -35.2% 26.4% -60.3% 99.3%
FCF per Share 2.29
3.86
5.11
6.36
5.75
3.39
3.96
5.63
1.65
2.67
1.27
growth rate 68.6% 32.4% 24.5% -9.6% -41.0% 16.8% 42.2% -70.7% 61.8% -52.4%
Sale Purchase of Stock 0.22
0.55
0.28
0.40
0.10
84.52
0.17
growth rate 151.4% -49.5% 44.8% -74.6% 82,762.8% -99.8%
FCF 49.00
89.00
147.00
160.00
145.00
103.00
227.00
150.00
189.00
55.00
129.00
growth rate 81.6% 65.2% 8.8% -9.4% -29.0% 120.4% -33.9% 26.0% -70.9% 134.6%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 157.00
197.90
235.39
228.02
252.50
276.82
344.88
430.92
461.49
533.68
589.86
growth rate 26.1% 18.9% -3.1% 10.7% 9.6% 24.6% 25.0% 7.1% 15.6% 10.5%
Op.Income 24.40
46.70
25.63
26.64
33.49
96.78
120.49
156.88
179.45
211.96
226.14
growth rate 91.4% -45.1% 3.9% 25.7% 189.0% 24.5% 30.2% 14.4% 18.1% 6.7%
IBT 24.38
46.69
34.68
33.47
45.75
85.89
99.76
135.78
159.87
188.65
215.69
growth rate 91.5% -25.7% -3.5% 36.7% 87.8% 16.2% 36.1% 17.7% 18.0% 14.3%
Net Income 18.50
31.70
25.63
26.64
33.49
59.58
68.01
90.93
92.19
146.92
167.60
growth rate 71.4% -19.1% 3.9% 25.7% 77.9% 14.2% 33.7% 1.4% 59.4% 14.1%
EPS 0.87
1.38
1.02
1.06
1.22
1.88
1.88
2.17
1.96
2.79
2.88
growth rate 58.6% -26.1% 3.9% 15.1% 54.1% 0.0% 15.4% -9.7% 42.4% 3.2%
Gross Profit 276.82
344.88
430.92
461.49
533.68
589.86
growth rate 24.6% 25.0% 7.1% 15.6% 10.5%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Payable 10,190.06
10,286.04
10,213.17
10,412.43
11,846.36
growth rate 0.9% -0.7% 2.0% 13.8%
Cur.Assets 925.56
822.63
749.71
1,166.36
1,057.74
growth rate -11.1% -8.9% 55.6% -9.3%
Total Assets 12,892.65
13,039.67
13,400.62
13,900.55
14,897.21
growth rate 1.1% 2.8% 3.7% 7.2%
Cash 443.86
409.66
227.09
637.77
616.90
growth rate -7.7% -44.6% 180.8% -3.3%
Inventory 8.73
8.19
8.01
8.67
9.13
growth rate -6.2% -2.2% 8.3% 5.2%
Cur.Liabilities 10,344.47
10,508.38
10,721.99
11,252.72
12,215.22
growth rate 1.6% 2.0% 5.0% 8.6%
Liabilities 10,772.96
10,920.02
11,274.93
11,830.04
12,814.26
growth rate 1.4% 3.3% 4.9% 8.3%
LT Debt 261.09
226.41
376.50
376.59
376.56
growth rate -13.3% 66.3% 0.0% 0.0%
Equity 2,119.70
2,119.66
2,125.69
2,070.51
2,082.95
growth rate 0.0% 0.3% -2.6% 0.6%
Common Shares 296.48
296.48
296.48
296.48
296.48
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 9.25
7.48
11.00
1.94
1.92
growth rate -19.2% 47.1% -82.4% -1.3%
Cash Dividends 12.97
12.83
12.66
12.56
12.53
growth rate -1.1% -1.3% -0.8% -0.2%
Cash From OA -95.30
-14.93
133.74
-123.00
177.91
growth rate 0.0% 100.0% -100.0% 100.0%
Sale Purchase of Stock
growth rate
FCF -104.54
-22.41
122.74
-124.94
176.00
growth rate 0.0% 100.0% -100.0% 100.0%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 153.86
145.08
143.39
117.82
143.05
growth rate -5.7% -1.2% -17.8% 21.4%
Op.Income 63.05
51.07
50.20
5.51
27.80
growth rate -19.0% -1.7% -89.0% 405.0%
IBT 60.57
48.58
47.84
2.78
24.77
growth rate -19.8% -1.5% -94.2% 790.6%
Net Income 46.63
37.45
38.42
2.01
20.13
growth rate -19.7% 2.6% -94.8% 902.5%
EPS
growth rate
Gross Profit 153.86
145.08
143.39
117.82
143.05
growth rate -5.7% -1.2% -17.8% 21.4%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (60.07)

YOY Growth Grade:

C (51.65)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.10 10.51 14.90
EPS / Growth 12.2% 2.16 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 18.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 10.0% 13.7% 13.7%
Future PE 11.10 17.77 17.77
Future EPS 5.61 7.77 7.77
Value Price
MOS %
15.38
-32.3%
34.12
50.2%
34.12
50.2%
MOS Price 7.69 17.06 17.06
IRT 7.04 6.37 6.37

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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