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Market Price

35.47 

-1.07 -2.9%

as of Oct 22 '18

52 Week Range:

35.35 49.78


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, money market, individual retirement, and health savings accounts, 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, which include administration and management of trust accounts comprising personal and corporate benefit accounts, self-directed IRA's, and custodial accounts; administers qualified retirement plans, profit sharing and other employee benefit plans, personal trusts, and estates; and annuities, mutual funds, and other investment services through a third party broker-dealer. As of December 31, 2017, the company had 180 banking, insurance, and financial services offices located in Mississippi, Tennessee, Alabama, Florida, and Georgia; 136 full-service branches and 13 limited-service branches; and 136 ATMs at on-premise locations and 16 ATMs located at off-premise sites. Renasant Corporation was founded in 1904 and is based 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 '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 19.15
19.05
19.45
18.75
19.44
19.80
20.94
22.21
25.63
25.77
30.65
growth rate -0.5% 2.1% -3.6% 3.7% 1.9% 5.8% 6.1% 15.4% 0.6% 18.9%
Earnings BIT 45.17
32.71
24.38
46.69
34.68
33.47
45.75
93.60
107.71
146.07
173.10
growth rate -27.6% -25.5% 91.5% -25.7% -3.5% 36.7% 104.6% 15.1% 35.6% 18.5%
Avg.PE 13.16
14.95
15.58
12.27
14.75
18.08
25.77
15.27
17.73
18.99
21.93
growth rate 13.6% 4.2% -21.3% 20.2% 22.6% 42.5% -40.8% 16.1% 7.1% 15.5%
ROA 1.00
0.66
0.50
0.80
0.60
0.64
0.67
1.03
0.99
1.09
1.00
growth rate -34.0% -24.2% 60.0% -25.0% 6.7% 4.7% 53.7% -3.9% 10.1% -8.3%
ROE 9.54
6.02
4.57
7.20
5.36
5.41
5.75
8.65
7.78
8.01
6.71
growth rate -36.9% -24.1% 57.6% -25.6% 0.9% 6.3% 50.4% -10.1% 3.0% -16.2%
ROIC 10.91
7.75
6.14
8.00
7.36
6.74
6.75
8.75
growth rate -29.0% -20.8% 30.3% -8.0% -8.4% 0.2% 29.6%
Leverage 9.05
9.28
8.88
9.15
8.62
8.39
8.63
8.16
7.64
7.06
6.49
growth rate 2.5% -4.3% 3.0% -5.8% -2.7% 2.9% -5.5% -6.4% -7.6% -8.1%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Payable 4,838.42
6,218.60
7,059.14
7,921.08
growth rate 28.5% 13.5% 12.2%
Cur.Assets 225.41
479.73
516.50
108.32
growth rate 112.8% 7.7% -79.0%
Total Assets 3,716.00
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
growth rate -2.0% 18.0% -2.2% -0.6% 37.5% 1.0% 36.5% 9.8% 13.0%
Cash 100.40
148.60
292.70
1,005.36
806.50
1,159.98
109.29
156.33
197.18
952.94
growth rate 48.0% 97.0% 243.5% -19.8% 43.8% -90.6% 43.1% 26.1% 383.3%
Inventory 34.47
35.40
23.30
growth rate 2.7% -34.2%
Cur.Liabilities 4,877.35
6,648.20
7,174.72
7,921.08
growth rate 36.3% 7.9% 10.4%
Liabilities 3,315.60
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
growth rate -2.6% 18.5% -3.0% -0.9% 38.0% 0.3% 35.3% 8.4% 11.4%
LT Debt 76.22
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
156.19
148.22
202.46
297.36
growth rate 2,534.5% 0.1% 0.1% 0.1% 0.1% 0.1% -92.2% -5.1% 36.6% 46.9%
Equity 399.07
400.40
410.10
469.50
487.20
498.21
665.65
711.65
1,036.82
1,232.88
1,514.98
growth rate 0.3% 2.4% 14.5% 3.8% 2.3% 33.6% 6.9% 45.7% 18.9% 22.9%
Common Shares 19.00
21.00
21.00
23.00
25.00
25.00
27.00
32.00
36.00
42.00
47.00
growth rate 10.5% 0.0% 9.5% 8.7% 0.0% 8.0% 18.5% 12.5% 16.7% 11.9%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 5.48
4.10
1.00
11.50
6.33
17.59
8.05
22.18
25.17
13.56
13.05
growth rate -25.2% -75.6% 1,050.0% -44.9% 177.7% -54.2% 175.5% 13.5% -46.1% -3.8%
Cash Dividends 12.58
14.30
14.40
15.70
17.07
17.12
19.30
21.52
24.56
29.73
34.42
growth rate 13.7% 0.7% 9.0% 8.7% 0.3% 12.8% 11.5% 14.1% 21.1% 15.8%
Cash From OA 43.27
62.60
49.70
100.50
153.13
177.71
153.29
124.68
252.63
163.80
201.56
growth rate 44.7% -20.6% 102.2% 52.4% 16.1% -13.7% -18.7% 102.6% -35.2% 23.1%
FCF per Share 2.01
2.77
2.29
3.86
5.11
6.36
5.75
3.39
3.96
5.63
1.65
growth rate 37.8% -17.3% 68.6% 32.4% 24.5% -9.6% -41.0% 16.8% 42.2% -70.7%
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 38.00
59.00
49.00
89.00
147.00
160.00
145.00
103.00
227.00
150.00
189.00
growth rate 55.3% -17.0% 81.6% 65.2% 8.8% -9.4% -29.0% 120.4% -33.9% 26.0%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 148.01
163.50
157.00
197.90
235.39
228.02
252.50
276.82
344.88
430.88
461.49
growth rate 10.5% -4.0% 26.1% 18.9% -3.1% 10.7% 9.6% 24.6% 24.9% 7.1%
Op.Income 32.70
24.40
46.70
25.63
26.64
33.49
96.78
120.49
156.84
179.45
growth rate -25.4% 91.4% -45.1% 3.9% 25.7% 189.0% 24.5% 30.2% 14.4%
IBT 32.71
24.38
46.69
34.68
33.47
45.75
85.89
99.76
135.78
159.87
growth rate -25.5% 91.5% -25.7% -3.5% 36.7% 87.8% 16.2% 36.1% 17.7%
Net Income 24.10
18.50
31.70
25.63
26.64
33.49
59.58
68.01
90.93
92.19
growth rate -23.2% 71.4% -19.1% 3.9% 25.7% 77.9% 14.2% 33.7% 1.4%
EPS 1.64
1.14
0.87
1.38
1.02
1.06
1.22
1.88
1.88
2.17
1.96
growth rate -30.5% -23.7% 58.6% -26.1% 3.9% 15.1% 54.1% 0.0% 15.4% -9.7%
Gross Profit 276.82
344.88
430.88
461.49
growth rate 24.6% 24.9% 7.1%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 39.94
44.46
50.75
46.58
growth rate 11.3% 14.1% -8.2%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Payable 7,202.03
8,118.52
7,921.08
8,357.77
8,380.72
growth rate 12.7% -2.4% 5.5% 0.3%
Cur.Assets 494.96
565.88
108.32
479.32
560.64
growth rate 14.3% -80.9% 342.5% 17.0%
Total Assets 8,872.27
10,323.69
9,829.98
10,238.31
10,544.48
growth rate 16.4% -4.8% 4.2% 3.0%
Cash 1,312.69
332.20
952.94
250.98
292.95
growth rate -74.7% 186.9% -73.7% 16.7%
Inventory 19.71
17.82
14.56
13.70
growth rate -9.6% -9.6% -5.9%
Cur.Liabilities 7,328.21
8,511.28
7,921.08
8,421.47
8,700.60
growth rate 16.1% -6.9% 6.3% 3.3%
Liabilities 7,600.49
8,811.86
8,315.00
8,705.55
8,985.81
growth rate 15.9% -5.6% 4.7% 3.2%
LT Debt 191.78
207.60
297.36
207.44
207.35
growth rate 8.3% 43.2% -30.2% 0.0%
Equity 1,271.79
1,511.83
1,514.98
1,532.77
1,558.67
growth rate 18.9% 0.2% 1.2% 1.7%
Common Shares 225.54
249.95
1,514.98
249.95
249.95
growth rate 10.8% 506.1% -83.5% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 3.23
4.26
4.38
4.38
5.93
growth rate 31.9% 3.0% 0.0% 35.2%
Cash Dividends 8.04
8.94
9.46
9.46
9.96
growth rate 11.2% 5.8% 0.0% 5.3%
Cash From OA -58.65
44.70
-61.17
-61.17
-11.95
growth rate 100.0% -100.0% 0.0% 0.0%
Sale Purchase of Stock 0.17
0.17
0.20
0.20
growth rate 0.0% 16.2% 0.0%
FCF -61.88
40.45
-65.56
-65.56
-17.88
growth rate 100.0% -100.0% 0.0% 0.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 121.84
121.28
123.55
121.44
126.16
growth rate -0.5% 1.9% -1.7% 3.9%
Op.Income 42.60
49.26
49.73
46.71
49.46
growth rate 15.6% 1.0% -6.1% 5.9%
IBT 37.28
40.62
46.75
43.50
47.13
growth rate 9.0% 15.1% -6.9% 8.4%
Net Income 25.28
26.42
16.51
33.83
36.71
growth rate 4.5% -37.5% 104.9% 8.5%
EPS
growth rate
Gross Profit 112.12
121.28
123.55
121.44
126.16
growth rate 8.2% 1.9% -1.7% 3.9%
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:

B (69.42)

YOY Growth Grade:

D (44.08)

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 15.54 15.54 10.43
EPS / Growth 15.6% 2.28 10.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 20.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 10.0% 15.4% 15.4%
Future PE 10.43 18.94 18.94
Future EPS 5.92 9.59 9.59
Value Price
MOS %
15.27
-56.9%
44.89
26.6%
44.89
26.6%
MOS Price 7.63 22.45 22.45
IRT 9.23 7.82 7.82

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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