RNST RENASANT CORP
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Executive Summary
Renasant Corp filed an 8-K furnishing its Q1 2026 investor presentation under Regulation FD. The presentation shows strong year-over-year earnings growth: net income of $88.2M (up from $41.5M in Q1 2025), diluted EPS of $0.94 (up from $0.65), and ROAA of 1.33% (up from 0.94%). However, total loans declined $71.8M linked quarter and nonperforming loans increased to 1.06% of total loans from 0.92% in Q4 2025. The company also disclosed a $300M subordinated debt offering completed on May 7, 2026, and $100M increase in share repurchase authorization.
Actionable Insight
The strong YoY earnings growth is tempered by linked-quarter loan shrinkage and rising NPLs. The $300M subordinated debt issuance increases leverage but provides capital flexibility. Monitor upcoming Q2 earnings for loan growth trajectory and credit quality trends.
Key Facts
- Net income of $88.2M in Q1 2026, up from $41.5M in Q1 2025
- Diluted EPS of $0.94 in Q1 2026, up from $0.65 in Q1 2025
- ROAA of 1.33% in Q1 2026, up from 0.94% in Q1 2025
- Total loans decreased $71.8M linked quarter to $18.975B
- Deposits increased $626.4M linked quarter to $22.099B
- Nonperforming loans increased to 1.06% of total loans from 0.92% in Q4 2025
- Net loan charge-offs of $2.3M or 0.05% annualized in Q1 2026
- Completed $300M subordinated debt offering on May 7, 2026
- Board increased share repurchase authorization by $100M on April 28, 2026
- Quarterly dividend increased by $0.01 to $0.24 per share
Financial Impact
Net income more than doubled YoY to $88.2M, but loans declined and credit quality metrics weakened modestly
Risk Factors
- Declining loan balances suggest muted organic growth
- Nonperforming loans rising to 1.06% of total loans
- Net interest margin compressed 2 bps linked quarter to 3.87%
- Material weakness in internal controls over financial reporting noted in forward-looking statements
Market Snapshot
Documents Analyzed
This report is based on 3 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000715072-26-000053 |
| Document: 0000715072-26-000053-index.html | 0000715072-26-000053 |
| Document: 0000715072-26-000053.txt | 0000715072-26-000053 |
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Filters
| Type | Now | ||||
|---|---|---|---|---|---|
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May 21, 2026
22d ago
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Insider Cluster
| $41.17 $40.68 | ▼ −1.19% | ▼ −2.79% | $42.81 (+3.98%) |
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May 15, 2026
28d ago
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8-K
| $39.79 $41.42 | ▲ +4.10% | ▲ +2.48% | $42.81 (+7.59%) |
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May 7, 2026
5w ago
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8-K
| $40.19 $39.62 | ▼ −1.42% | ▼ −2.88% | $42.81 (+6.52%) |
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May 5, 2026
5w ago
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424B5
| $40.63 $39.60 | ▼ −2.54% | ▼ −3.67% | $42.81 (+5.37%) |
|
May 4, 2026
5w ago
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424B5
| $39.41 $39.77 | ▲ +0.91% | ▼ −2.02% | $42.81 (+8.63%) |
|
Apr 28, 2026
6w ago
|
8-K
| $39.82 $40.63 | ▲ +2.03% | ▼ −1.08% | $42.81 (+7.51%) |
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Apr 28, 2026
6w ago
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Press Release
| $39.82 $40.63 | ▲ +2.03% | ▼ −1.08% | $42.81 (+7.51%) |
|
Mar 18, 2026
12w ago
|
DEFA14A
| $34.39 $36.02 | ▲ +4.74% | ▲ +5.45% | $42.81 (+24.48%) |
US Market Status
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