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Renasant (RNST) Reports Q2 Earnings: What Key Metrics Have to Say

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Renasant (RNST - Free Report) reported $267.19 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 63.1%. EPS of $0.69 for the same period compares to $0.69 a year ago.

The reported revenue represents a surprise of +3.07% over the Zacks Consensus Estimate of $259.23 million. With the consensus EPS estimate being $0.74, the EPS surprise was -6.76%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Renasant performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net Interest Margin: 3.9% versus 3.7% estimated by three analysts on average.
  • Efficiency ratio (GAAP): 67.6% versus 62.2% estimated by three analysts on average.
  • Total Nonperforming Loans: $141.86 million versus the two-analyst average estimate of $102.76 million.
  • Annualized net loan charge-offs / average loans: 0.3% versus 0.1% estimated by two analysts on average.
  • Total Nonperforming Assets: $153.61 million versus the two-analyst average estimate of $114.25 million.
  • Average Balance - Total interest-earning assets: $23.21 billion versus the two-analyst average estimate of $23.16 billion.
  • Net Interest Income: $218.86 million versus the three-analyst average estimate of $209.28 million.
  • Net Interest Income (FTE): $222.72 million versus $213.71 million estimated by three analysts on average.
  • Total Noninterest Income: $48.33 million versus the three-analyst average estimate of $49.97 million.

View all Key Company Metrics for Renasant here>>>

Shares of Renasant have returned +8.4% over the past month versus the Zacks S&P 500 composite's +5.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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