Renasant Corporation
Renasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, fiduciary, and insurance services to retail and commercial customers. The company operates through Community Banks, Insurance, and Wealth Management segments. The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lend… Read more
Renasant Corporation (RNST) - Net Assets
Latest net assets as of September 2025: $3.83 Billion USD
Based on the latest financial reports, Renasant Corporation (RNST) has net assets worth $3.83 Billion USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($26.73 Billion) and total liabilities ($22.90 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $3.83 Billion |
| % of Total Assets | 14.31% |
| Annual Growth Rate | 11.99% |
| 5-Year Change | -81.47% |
| 10-Year Change | 158.32% |
| Growth Volatility | 98.59 |
Renasant Corporation - Net Assets Trend (1990–2024)
This chart illustrates how Renasant Corporation's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Renasant Corporation (1990–2024)
The table below shows the annual net assets of Renasant Corporation from 1990 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $2.68 Billion | +16.58% |
| 2023-12-31 | $2.30 Billion | +7.55% |
| 2022-12-31 | $2.14 Billion | -3.34% |
| 2021-12-31 | $2.21 Billion | -84.71% |
| 2020-12-31 | $14.45 Billion | +580.00% |
| 2019-12-31 | $2.13 Billion | +4.00% |
| 2018-12-31 | $2.04 Billion | +34.91% |
| 2017-12-31 | $1.51 Billion | +22.88% |
| 2016-12-31 | $1.23 Billion | +18.91% |
| 2015-12-31 | $1.04 Billion | +45.69% |
| 2014-12-31 | $711.65 Million | +6.91% |
| 2013-12-31 | $665.65 Million | +33.61% |
| 2012-12-31 | $498.21 Million | +2.26% |
| 2011-12-31 | $487.20 Million | +3.77% |
| 2010-12-31 | $469.51 Million | +14.48% |
| 2009-12-31 | $410.12 Million | +2.44% |
| 2008-12-31 | $400.37 Million | +0.33% |
| 2007-12-31 | $399.07 Million | +57.92% |
| 2006-12-31 | $252.70 Million | +7.33% |
| 2005-12-31 | $235.44 Million | +31.50% |
| 2004-12-31 | $179.04 Million | +30.09% |
| 2003-12-31 | $137.62 Million | +3.65% |
| 2002-12-31 | $132.78 Million | +7.44% |
| 2001-12-31 | $123.58 Million | +1.58% |
| 2000-12-31 | $121.66 Million | +4.79% |
| 1999-12-31 | $116.10 Million | +5.35% |
| 1998-12-31 | $110.20 Million | +12.22% |
| 1997-12-31 | $98.20 Million | +8.39% |
| 1996-12-31 | $90.60 Million | +6.59% |
| 1995-12-31 | $85.00 Million | +15.33% |
| 1994-12-31 | $73.70 Million | +5.44% |
| 1993-12-31 | $69.90 Million | +8.20% |
| 1992-12-31 | $64.60 Million | +5.73% |
| 1991-12-31 | $61.10 Million | +7.38% |
| 1990-12-31 | $56.90 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Renasant Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 7049.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.09 Billion | 40.84% |
| Common Stock | $332.42 Million | 12.41% |
| Other Comprehensive Income | $-142.61 Million | -5.32% |
| Other Components | $1.39 Billion | 52.07% |
| Total Equity | $2.68 Billion | 100.00% |
Renasant Corporation Competitors by Market Cap
The table below lists competitors of Renasant Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Industrias Penoles Sab De CV
PINK:IPOAF
|
$3.28 Billion |
|
KANDENKO CO. LTD
F:5EY
|
$3.29 Billion |
|
Gerdau S.A
SA:GGBR3
|
$3.29 Billion |
|
TERNS PHARMACEUT.DL-0001
F:430
|
$3.29 Billion |
|
Academy Sports Outdoors Inc
NASDAQ:ASO
|
$3.28 Billion |
|
First Pacific Company Ltd
PINK:FPAFY
|
$3.28 Billion |
|
Jiangsu Xinquan Automotive Trim Co Ltd
SHG:603179
|
$3.28 Billion |
|
Cranswick plc
PINK:CRWKF
|
$3.28 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Renasant Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 2,297,383,000 to 2,678,318,000, a change of 380,935,000 (16.6%).
- Net income of 195,457,000 contributed positively to equity growth.
- Dividend payments of 53,727,000 reduced retained earnings.
- New share issuances of 217,000,000 increased equity.
- Other comprehensive income increased equity by 11,648,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $195.46 Million | +7.3% |
| Dividends Paid | $53.73 Million | -2.01% |
| Share Issuances | $217.00 Million | +8.1% |
| Other Comprehensive Income | $11.65 Million | +0.43% |
| Other Changes | $10.56 Million | +0.39% |
| Total Change | $- | 16.58% |
Book Value vs Market Value Analysis
This analysis compares Renasant Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.79x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 7.88x to 0.79x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1990-12-31 | $4.48 | $35.29 | x |
| 1991-12-31 | $4.78 | $35.29 | x |
| 1992-12-31 | $5.03 | $35.29 | x |
| 1993-12-31 | $5.47 | $35.29 | x |
| 1994-12-31 | $5.59 | $35.29 | x |
| 1995-12-31 | $6.44 | $35.29 | x |
| 1996-12-31 | $6.87 | $35.29 | x |
| 1997-12-31 | $7.23 | $35.29 | x |
| 1998-12-31 | $7.90 | $35.29 | x |
| 1999-12-31 | $8.28 | $35.29 | x |
| 2000-12-31 | $8.85 | $35.29 | x |
| 2001-12-31 | $9.35 | $35.29 | x |
| 2002-12-31 | $10.46 | $35.29 | x |
| 2003-12-31 | $11.02 | $35.29 | x |
| 2004-12-31 | $13.82 | $35.29 | x |
| 2005-12-31 | $14.96 | $35.29 | x |
| 2006-12-31 | $15.94 | $35.29 | x |
| 2007-12-31 | $21.02 | $35.29 | x |
| 2008-12-31 | $18.96 | $35.29 | x |
| 2009-12-31 | $19.33 | $35.29 | x |
| 2010-12-31 | $20.43 | $35.29 | x |
| 2011-12-31 | $19.34 | $35.29 | x |
| 2012-12-31 | $19.79 | $35.29 | x |
| 2013-12-31 | $24.24 | $35.29 | x |
| 2014-12-31 | $22.41 | $35.29 | x |
| 2015-12-31 | $28.62 | $35.29 | x |
| 2016-12-31 | $29.36 | $35.29 | x |
| 2017-12-31 | $32.23 | $35.29 | x |
| 2018-12-31 | $38.84 | $35.29 | x |
| 2019-12-31 | $36.51 | $35.29 | x |
| 2020-12-31 | $37.77 | $35.29 | x |
| 2021-12-31 | $39.38 | $35.29 | x |
| 2022-12-31 | $38.07 | $35.29 | x |
| 2023-12-31 | $40.70 | $35.29 | x |
| 2024-12-31 | $44.83 | $35.29 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Renasant Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.30%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.83%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 6.73x
- Recent ROE (7.30%) is below the historical average (8.68%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1990 | 12.13% | 10.73% | 0.10x | 11.19x | $1.21 Million |
| 1991 | 10.15% | 9.81% | 0.10x | 10.57x | $90.00K |
| 1992 | 8.67% | 9.88% | 0.09x | 10.21x | $-860.00K |
| 1993 | 10.73% | 13.39% | 0.08x | 10.28x | $510.00K |
| 1994 | 11.13% | 13.06% | 0.08x | 10.68x | $830.00K |
| 1995 | 10.82% | 12.50% | 0.09x | 9.90x | $700.00K |
| 1996 | 10.49% | 12.27% | 0.09x | 9.86x | $440.00K |
| 1997 | 11.20% | 12.57% | 0.09x | 9.89x | $1.18 Million |
| 1998 | 10.62% | 12.21% | 0.09x | 10.05x | $680.00K |
| 1999 | 12.75% | 14.37% | 0.09x | 10.02x | $3.19 Million |
| 2000 | 9.19% | 10.36% | 0.09x | 9.96x | $-982.10K |
| 2001 | 11.80% | 13.01% | 0.09x | 10.15x | $2.23 Million |
| 2002 | 12.33% | 15.39% | 0.08x | 10.13x | $3.09 Million |
| 2003 | 13.21% | 17.70% | 0.07x | 10.28x | $4.42 Million |
| 2004 | 10.30% | 16.87% | 0.06x | 9.54x | $538.80K |
| 2005 | 10.28% | 14.36% | 0.07x | 10.18x | $665.00K |
| 2006 | 10.73% | 13.55% | 0.08x | 10.33x | $1.85 Million |
| 2007 | 7.79% | 12.42% | 0.07x | 9.05x | $-8.81 Million |
| 2008 | 6.01% | 9.43% | 0.07x | 9.28x | $-15.99 Million |
| 2009 | 4.52% | 8.12% | 0.06x | 8.88x | $-22.49 Million |
| 2010 | 6.75% | 14.67% | 0.05x | 9.15x | $-15.28 Million |
| 2011 | 5.26% | 11.34% | 0.05x | 8.62x | $-23.09 Million |
| 2012 | 5.35% | 11.68% | 0.05x | 9.31x | $-23.18 Million |
| 2013 | 5.03% | 13.26% | 0.04x | 8.63x | $-33.08 Million |
| 2014 | 8.37% | 19.41% | 0.05x | 8.16x | $-11.58 Million |
| 2015 | 6.56% | 18.32% | 0.05x | 7.65x | $-35.67 Million |
| 2016 | 7.38% | 19.49% | 0.05x | 7.06x | $-32.36 Million |
| 2017 | 6.09% | 18.19% | 0.05x | 6.49x | $-59.31 Million |
| 2018 | 7.19% | 24.25% | 0.05x | 6.33x | $-57.47 Million |
| 2019 | 7.88% | 24.09% | 0.05x | 6.30x | $-44.97 Million |
| 2020 | 3.92% | 11.43% | 0.05x | 7.00x | $-129.61 Million |
| 2021 | 7.96% | 25.28% | 0.04x | 7.61x | $-45.09 Million |
| 2022 | 7.77% | 24.03% | 0.04x | 7.95x | $-47.53 Million |
| 2023 | 6.30% | 15.90% | 0.05x | 7.56x | $-85.06 Million |
| 2024 | 7.30% | 18.83% | 0.06x | 6.73x | $-72.37 Million |
Industry Comparison
This section compares Renasant Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Renasant Corporation (RNST) | $3.83 Billion | 12.13% | 5.99x | $3.28 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |