Shares Outstanding Shares Outstanding n/a Close	95.01M
Shares Change (YoY) Shares Change (YoY) n/a Close	12.99%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	0.14%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	92.53%
Shares Floating Shares Floating n/a Close	92.2M
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	9,124
FTD / Avg. Volume FTD / Avg. Volume n/a Close	0.92%

Short Selling Information

The latest short interest is 4.01M, so 4.22% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	4.01M
Short % of Shares Out Short % of Shares Out n/a Close	4.22%
Short % of Float Short % of Float n/a Close	5.1%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	7.4

Valuation Ratios

The PE ratio is 10.86 and the forward PE ratio is 10.52. Renasant's PEG ratio is 0.39.

PE Ratio PE Ratio n/a Close	10.86
Forward PE Forward PE n/a Close	10.52
PS Ratio PS Ratio n/a Close	3.2
Forward PS Forward PS n/a Close	3
PB Ratio PB Ratio n/a Close	0.79
P/FCF Ratio P/FCF Ratio n/a Close	18.33
PEG Ratio PEG Ratio n/a Close	0.39

Financial Ratio History

Enterprise Valuation

Renasant has an Enterprise Value (EV) of 2.45B.

EV / Sales EV / Sales n/a Close	3.7
EV / EBITDA EV / EBITDA n/a Close	0
EV / EBIT EV / EBIT n/a Close	18.96
EV / FCF EV / FCF n/a Close	21.19

Financial Position

The company has a current ratio of 9.53, with a Debt / Equity ratio of 0.2.

Current Ratio Current Ratio n/a Close	9.53
Quick Ratio Quick Ratio n/a Close	9.53
Debt / Equity Debt / Equity n/a Close	0.2
Debt / EBITDA Debt / EBITDA n/a Close	1.91
Debt / FCF Debt / FCF n/a Close	4.58
Interest Coverage Interest Coverage n/a Close	0.55

Financial Efficiency

Return on Equity is 7.3% and Return on Invested Capital is 7.1%.

Return on Equity Return on Equity n/a Close	7.3%
Return on Assets Return on Assets n/a Close	1.08%
Return on Invested Capital Return on Invested Capital n/a Close	7.1%
Revenue Per Employee Revenue Per Employee n/a Close	$301,114.09
Profits Per Employee Profits Per Employee n/a Close	$88,844.09
Employee Count Employee Count n/a Close	2,200
Asset Turnover Asset Turnover n/a Close	0.04
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	49.51M
Effective Tax Rate Effective Tax Rate n/a Close	20.21%

Stock Price Statistics

The stock price has increased by 23.4% in the last 52 weeks. The beta is 0.92, so Renasant's price volatility has been higher than the market average.

Beta Beta n/a Close	0.92
52-Week Price Change 52-Week Price Change n/a Close	23.4%
50-Day Moving Average 50-Day Moving Average n/a Close	32.92
200-Day Moving Average 200-Day Moving Average n/a Close	34.7
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	49.86
Average Volume (20 Days) Average Volume (20 Days) n/a Close	995,784

Income Statement

In the last 12 months, Renasant had revenue of 662.45M and earned 195.46M in profits. Earnings per share was 3.29.

Revenue Revenue n/a Close	662.45M
Gross Profit Gross Profit n/a Close	653.18M
Operating Income Operating Income n/a Close	204.91M
Net Income Net Income n/a Close	195.46M
EBITDA EBITDA n/a Close	277.25M
EBIT EBIT n/a Close	204.91M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	3.29

Full Income Statement

Balance Sheet

The company has 198.41M in cash and 530.61M in debt, giving a net cash position of -332.21M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	198.41M
Total Debt Total Debt n/a Close	530.61M
Net Cash Net Cash n/a Close	-332.21M
Retained Earnings Retained Earnings n/a Close	1.09B
Total Assets Total Assets n/a Close	18.27B
Working Capital Working Capital n/a Close	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 129.43M and capital expenditures -13.64M, giving a free cash flow of 115.78M.

Operating Cash Flow Operating Cash Flow n/a Close	129.43M
Capital Expenditures Capital Expenditures n/a Close	-13.64M
Free Cash Flow Free Cash Flow n/a Close	115.78M
FCF Per Share FCF Per Share n/a Close	1.95

Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 30.93% and 29.51%.

Gross Margin Gross Margin n/a Close	100%
Operating Margin Operating Margin n/a Close	30.93%
Pretax Margin Pretax Margin n/a Close	36.98%
Profit Margin Profit Margin n/a Close	29.51%
EBITDA Margin EBITDA Margin n/a Close	n/a
EBIT Margin EBIT Margin n/a Close	30.93%
FCF Margin FCF Margin n/a Close	17.48%

Dividends & Yields

RNST pays an annual dividend of $0.88, which amounts to a dividend yield of 2.46%.

Dividend Per Share Dividend Per Share n/a Close	$0.88
Dividend Yield Dividend Yield n/a Close	2.46%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	0%
Payout Ratio Payout Ratio n/a Close	27.33%
Earnings Yield Earnings Yield n/a Close	9.21%
FCF Yield FCF Yield n/a Close	5.46%

Dividend Details

Analyst Forecast

The average price target for RNST is $43, which is 23.2% higher than the current price. The consensus rating is "Buy".

Price Target Price Target n/a Close	$43
Price Target Difference Price Target Difference n/a Close	23.2%
Analyst Consensus Analyst Consensus n/a Close	Buy
Analyst Count Analyst Count n/a Close	6

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$56.49
Lynch Upside Lynch Upside n/a Close	61.82%
Graham Number Graham Number n/a Close	57.83
Graham Upside Graham Upside n/a Close	65.65%

Stock Splits

The last stock split was on Aug 29, 2006. It was a forward split with a ratio of 3:2.

Last Split Date Last Split Date n/a Close	Aug 29, 2006
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	3:2

Scores

Altman Z-Score Altman Z-Score n/a Close	0.28
Piotroski F-Score Piotroski F-Score n/a Close	4