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Renasant (RNST) Reports Q3 Earnings: What Key Metrics Have to Say

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For the quarter ended September 2026, Renasant (RNST - Free Report) reported revenue of $272.96 million, up 1.3% over the same period last year. EPS came in at $0.86, compared to $0.77 in the year-ago quarter.

The reported revenue represents a surprise of -1.23% over the Zacks Consensus Estimate of $276.36 million. With the consensus EPS estimate being $0.94, the EPS surprise was -8.51%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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:
  • Efficiency ratio (GAAP): 57.7% versus the four-analyst average estimate of 57%.
  • Net Interest Margin (FTE) (GAAP): 3.8% versus the four-analyst average estimate of 3.8%.
  • Annualized net loan charge-offs / average loans: 0.2% versus the three-analyst average estimate of 0.1%.
  • Total nonperforming loans: $175.46 million versus $184.16 million estimated by two analysts on average.
  • Total nonperforming assets: $191.12 million versus $199.75 million estimated by two analysts on average.
  • Average Balance - Total interest-earning assets: $24.12 billion versus $23.96 billion estimated by two analysts on average.
  • Total Noninterest Income: $49.28 million versus $50.68 million estimated by four analysts on average.
  • Net Interest Income (FTE): $228.6 million versus $230.63 million estimated by four analysts on average.
  • Net Interest Income: $223.69 million compared to the $225.67 million average estimate based on four analysts.
  • Mortgage Banking Income: $7.32 million versus the two-analyst average estimate of $10.48 million.
  • Service charges on deposit accounts: $15.27 million versus $14.65 million estimated by two analysts on average.
  • Fees and commissions: $4.94 million versus the two-analyst average estimate of $5.33 million.

View all Key Company Metrics for Renasant here>>>

Shares of Renasant have returned +4.7% over the past month versus the Zacks S&P 500 composite's -0.8% 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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