Renasant Corporation Financial Ratios — RNST Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	8.53	8.61	9.96	15.8	15.48	17.39	15.23	20.34	19.59	9.16	18.04	15.15	12.04	14.61	11.65
Return on Assets (%)	0.6	0.64	0.67	1.03	0.99	1.09	1	1.29	1.27	0.59	1.11	0.98	0.84	1.1	0.81
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.6	3.82	3.97	2.86	2.63	0.71	1.03	0.65	1.37	5.25	7.27	6.78	5.58	4.87	1.64
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	18.78	16.56	19.97	30.35	28.53	30.97	34.08	34.9	36.13	15.67	34.23	33.51	28.05	36.98	23
Profit Margin (%)	13.88	13.18	14.62	21.05	19.45	20.74	19.65	27.18	28.08	12.67	27.02	26.34	22.9	29.51	18.39
Net Income to Common Margin (%)	13.88	13.18	14.62	21.05	19.45	20.74	19.65	27.18	28.08	12.67	27.02	26.34	22.9	29.51	18.39
Effective Tax Rate (%)	26.08	20.4	26.8	30.63	31.83	33.03	42.34	22.12	22.3	19.17	21.06	21.41	18.35	20.21	20.05
Dvd Payout Ratio (%)	66.6	64.26	57.64	36.11	36.11	32.7	37.33	29.69	30.37	59.93	28.44	30.1	34.75	27.49	43.36
Sustainable Growth Rate (%)	2.85	3.08	4.22	10.09	9.89	11.7	9.55	14.3	13.64	3.67	12.91	10.59	7.86	10.6	6.6

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	255	159	170	183	548	302	291	644	857	475	471	1,128	729	531	1,050
ST Debt	11	- -	- -	26	400	100	83	380	480	- -	- -	700	300	100	550
LT Debt	243	159	170	156	148	202	208	264	377	475	471	428	429	431	500
Total Debt/EBITDA	53.09	20.68	18.64	22.55	59.62	97.85	60.13	184.1	104.64	13.71	9.95	26.39	20.7	16.44	64.75
Net Debt/EBITDA	9.52	3.51	-8.47	2.61	36.61	-1.22	1.88	21.31	53.95	-4.57	-29.71	12.92	-2.04	-17.39	-1.29
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.25	7.52	6.23	6.82	6.09	6.47	6.59	6.16	6.82	6.11	6.18	6.79	7.19	7.91	6.3
Long-Term Debt/Equity (%)	49.92	32.01	25.48	21.98	14.3	16.42	13.7	12.9	17.71	22.27	21.32	20.04	18.69	16.08	12.86
Long-Term Debt/Capital (%)	43.48	33.66	32.14	27.02	14.38	23.39	22.13	18.3	21.27	34.24	31.22	18.76	21.71	22.01	18.27
Long-Term Debt/Total Assets (%)	5.79	3.82	2.95	2.69	1.87	2.33	2.11	2.04	2.81	3.18	2.8	2.52	2.47	2.39	1.87
Total Debt/Equity (%)	52.28	32.01	25.48	25.68	52.87	24.53	19.18	31.49	40.29	22.27	21.32	52.81	31.75	19.81	27.02
Total Debt/Capital (%)	45.53	33.66	32.14	31.56	53.17	34.94	30.98	44.67	48.38	34.24	31.22	49.43	36.88	27.12	38.38
Total Debt/Total Assets (%)	6.06	3.82	2.95	3.15	6.92	3.48	2.96	4.98	6.39	3.18	2.8	6.64	4.2	2.94	3.92
Net Debt to Equity	9.38	5.43	-11.58	2.97	32.47	-0.31	0.6	3.65	20.77	-7.42	-63.66	25.85	-3.13	-20.96	-0.54
Net Debt/Capital (%)	13.04	7.92	-27.42	5.07	41.08	-0.67	1.39	8.55	32.58	-20.99	381.62	32.36	-6.11	-64.91	-1.26
EBITDA	5	8	9	8	9	3	5	3	8	35	47	43	35	32	16
EBITDA-CapEx	-2	-10	1	-14	-16	-10	-8	-19	-27	6	27	28	14	19	-18
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.25	7.52	6.23	6.82	6.09	6.47	6.59	6.16	6.82	6.11	6.18	6.79	7.19	7.91	6.3
Long-Term Debt/Equity (%)	49.92	32.01	25.48	21.98	14.3	16.42	13.7	12.9	17.71	22.27	21.32	20.04	18.69	16.08	12.86
Long-Term Debt/Capital (%)	43.48	33.66	32.14	27.02	14.38	23.39	22.13	18.3	21.27	34.24	31.22	18.76	21.71	22.01	18.27
Long-Term Debt/Total Assets (%)	5.79	3.82	2.95	2.69	1.87	2.33	2.11	2.04	2.81	3.18	2.8	2.52	2.47	2.39	1.87
Total Debt/Equity (%)	52.28	32.01	25.48	25.68	52.87	24.53	19.18	31.49	40.29	22.27	21.32	52.81	31.75	19.81	27.02
Total Debt/Capital (%)	45.53	33.66	32.14	31.56	53.17	34.94	30.98	44.67	48.38	34.24	31.22	49.43	36.88	27.12	38.38
Total Debt/Total Assets (%)	6.06	3.82	2.95	3.15	6.92	3.48	2.96	4.98	6.39	3.18	2.8	6.64	4.2	2.94	3.92
CFO/Total Liabilities	4.12	4.83	3.02	2.45	3.67	2.19	2.49	0.75	1.45	0.64	0.98	3.87	0.99	0.69	1.19
CFO/CapEx	24.18	10.1	19.04	5.62	10.04	12.08	15.87	3.67	4.68	2.91	6.95	38.69	6.87	7.8	8.05
Altman's Z-Score	0.17	0.19	0.19	0.22	0.21	0.25	0.25	0.19	0.23	0.2	0.19	0.2	0.2	0.21	0.19

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	376	481	858	911	1,238	1,762	1,917	1,584	2,056	1,895	2,130	2,101	1,891	2,122	3,062
- Cash & Cash Equivalents	209	132	247	162	212	306	281	569	415	633	1,878	576	801	1,092	1,071
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	255	159	170	183	548	302	291	644	857	475	471	1,128	729	531	1,050
Enterprise Value	-42	151	280	379	928	1,084	1,254	408	1,207	394	-1,663	1,120	896	729	793
Total Capital	559	474	528	579	1,031	866	938	1,441	1,770	1,387	1,509	2,282	1,978	1,957	2,735
Total Debt/Capital (%)	45.53	33.66	32.14	31.56	53.17	34.94	30.98	44.67	48.38	34.24	31.22	49.43	36.88	27.12	38.38
Total Debt / EV	-6.01	1.05	0.61	0.48	0.59	0.28	0.23	1.58	0.71	1.21	-0.28	1.01	0.81	0.73	1.32
EV/Sales	- -	0.75	1.22	1.34	2.65	2.47	2.67	0.75	2.02	0.6	- -	1.78	1.42	1.1	0.8
EV/EBITDA	- -	19.62	30.74	46.75	100.88	350.74	259.58	116.69	147.46	11.36	- -	26.19	25.42	22.59	48.88
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	0.85	1.82	3.04	3.67	6.62	6.06	4.97	7.38	4.78	- -	1.95	6.03	6.85	2.92
EV/Free Cash Flow to Firm	- -	0.77	1.73	2.58	3.34	6.11	5.7	3.9	6.08	3.56	- -	1.9	5.26	6.07	2.6
Diluted Market Cap	378	482	864	919	1,247	1,772	1,922	1,588	2,062	1,902	2,141	2,113	1,891	2,136	3,082
Diluted Enterprise Value	423	509	787	940	1,583	1,768	1,931	1,663	2,504	1,744	735	2,665	1,819	1,575	3,061
EV per Share	- -	6.03	10.25	12.03	25.79	25.98	26.76	7.77	20.79	6.99	- -	20.03	15.95	12.29	9.12
TTM Sales	185	202	229	283	350	438	469	540	597	660	651	631	632	662	986
TTM EBITDA	5	8	9	8	9	3	5	3	8	35	47	43	35	32	16
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	153	178	153	125	253	164	207	82	164	82	143	574	149	106	271
TTM Free Cash Flow to Firm	159	195	161	147	278	177	220	104	199	111	163	589	170	120	305

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	2.37	2.47	5.35	6.26	4.49	9.99	8.73	15.2	10.39	17.21	13.12	3.59	11.11	17.79	10.1
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-42	151	280	379	928	1,084	1,254	408	1,207	394	-1,663	1,120	896	729	793
Low Price	11.8	14.42	18.5	26.17	26.14	29.49	37.68	28.02	29.76	18.22	32.06	27.61	22.99	27.98	26.97
EV/Sales	- -	0.75	1.22	1.34	2.65	2.47	2.67	0.75	2.02	0.6	- -	1.78	1.42	1.1	0.8
EV/EBITDA	- -	19.62	30.74	46.75	100.88	350.74	259.58	116.69	147.46	11.36	- -	26.19	25.42	22.59	48.88
Price/Earnings	14.66	18.04	25.62	15.29	18.2	19.38	20.79	10.78	12.27	22.66	12.11	12.65	13.07	10.86	16.89
Price/Earnings Average	14.6	15.9	20.39	15.15	16.69	15.68	21.01	15.18	12.16	18.16	12.43	11.58	11.52	9.84	17.12
Price/Earnings High	17.24	19.28	26.09	16.64	19.72	20.49	23.04	17.79	13.51	24.15	14.98	14.06	14.9	11.98	19.38
Price/Earnings Low	11.54	13.59	15.07	13.84	13.83	13.54	19.16	10.01	10.31	12.26	10.23	9.29	8.92	8.5	12.94
Price/Book Value	1.23	1.53	2.4	2.3	2.56	3.13	2.96	1.99	2.25	2.08	2.05	1.82	1.51	1.49	1.82
Price/Book Value Average	1.23	1.35	1.91	2.28	2.35	2.53	2.99	2.8	2.23	1.67	2.11	1.67	1.34	1.35	1.84
Price/Book Value High	1.45	1.63	2.44	2.5	2.78	3.31	3.28	3.28	2.48	2.21	2.54	2.02	1.73	1.64	2.08
Price/Book Value Low	0.97	1.15	1.41	2.08	1.95	2.19	2.73	1.85	1.89	1.12	1.73	1.34	1.03	1.16	1.39
Price/Tangible Book Value	1.27	1.56	2.37	2.2	2.32	2.48	2.28	1.56	1.88	1.72	1.84	2.03	1.58	1.32	1.35
Price/Tangible Book Value Average	1.27	1.38	1.89	2.18	2.13	2	2.31	2.19	1.86	1.38	1.89	1.86	1.39	1.2	1.37
Price/Tangible Book Value High	1.5	1.67	2.42	2.39	2.52	2.62	2.53	2.57	2.07	1.84	2.28	2.25	1.8	1.46	1.55
Price/Tangible Book Value Low	1	1.18	1.4	1.99	1.77	1.73	2.1	1.44	1.58	0.93	1.55	1.49	1.08	1.04	1.03
Price/Sales	2.04	2.38	3.75	3.22	3.54	4.02	4.09	2.93	3.44	2.87	3.27	3.33	2.99	3.2	3.11
Price/Sales Average	2.03	2.1	2.98	3.19	3.25	3.25	4.13	4.13	3.41	2.3	3.36	3.05	2.64	2.9	3.15
Price/Sales High	2.39	2.54	3.81	3.5	3.84	4.25	4.53	4.83	3.79	3.06	4.05	3.7	3.41	3.54	3.56
Price/Sales Low	1.6	1.79	2.2	2.91	2.69	2.81	3.77	2.72	2.89	1.55	2.76	2.45	2.04	2.51	2.38
Price/Cash Flow	2.45	2.7	5.6	7.31	4.9	10.76	9.26	19.29	12.57	23.04	14.93	3.66	12.73	19.94	11.28
Price/Cash Flow Average	2.44	2.38	4.45	7.24	4.49	8.7	9.36	27.16	12.45	18.47	15.32	3.35	11.22	18.08	11.43
Price/Cash Flow High	2.88	2.89	5.7	7.95	5.31	11.38	10.26	31.82	13.84	24.56	18.48	4.07	14.52	22.01	12.94
Price/Cash Flow Low	1.93	2.04	3.29	6.61	3.72	7.51	8.53	17.91	10.56	12.47	12.61	2.69	8.69	15.61	8.64
Price/Free Cash Flow Average	2.36	2.17	4.26	6.2	4.12	8.08	8.83	21.4	10.29	13.79	13.47	3.28	9.8	16.13	10.24
Price/Free Cash Flow High	2.78	2.64	5.45	6.81	4.86	10.56	9.68	25.08	11.44	18.34	16.24	3.99	12.67	19.64	11.58
Price/Free Cash Flow Low	1.86	1.86	3.15	5.66	3.41	6.98	8.05	14.11	8.73	9.31	11.09	2.64	7.58	13.92	7.73
EV/Sales Average	2.27	2.23	2.64	3.26	4.21	3.24	4.15	4.26	4.15	2.06	1.2	3.92	2.53	2.06	3.13
EV/Sales High	2.64	2.68	3.48	3.58	4.8	4.24	4.55	4.97	4.53	2.82	1.89	4.58	3.3	2.69	3.54
EV/Sales Low	1.85	1.93	1.87	2.99	3.65	2.8	3.79	2.86	3.63	1.31	0.6	3.32	1.93	1.66	2.36
EV/EBITDA Average	87.53	58.44	66.58	113.98	160.08	459.99	402.81	659.31	302.86	39.29	16.46	57.9	45.28	42.2	190.18
EV/EBITDA High	101.6	70.1	87.58	124.93	182.46	601.69	441.52	768.75	330.67	53.76	25.95	67.55	59.17	55.17	215.36
EV/EBITDA Low	71.15	50.47	46.99	104.33	138.87	396.98	367.41	442.03	265	25.03	8.28	49.03	34.59	34.05	143.34
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	15	19.14	31.46	28.93	34.41	42.22	40.89	30.18	35.42	33.68	37.95	37.59	33.68	35.75	35.22
High Price	17.63	20.45	32.04	31.47	37.28	44.65	45.32	49.78	39.02	35.9	46.97	41.77	38.41	39.47	40.4
Enterprise Value Average	420	451	606	924	1,472	1,422	1,946	2,305	2,479	1,361	779	2,475	1,595	1,362	3,083
Enterprise Value High	487	541	797	1,012	1,678	1,860	2,133	2,688	2,707	1,862	1,229	2,887	2,084	1,781	3,491
Enterprise Value Low	341	389	427	845	1,277	1,227	1,775	1,545	2,169	867	392	2,096	1,219	1,099	2,324

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	25	25	31	32	40	44	49	59	57	56	56	56	56	64	95
Diluted Weighted Avg Shares	25	25	27	32	36	42	47	53	58	56	56	56	56	60	88
Basic Weighted Avg Shares	25	25	27	31	36	42	47	52	58	56	56	56	56	59	87
Revenue per Share	7.37	8.05	8.4	8.98	9.72	10.5	10.01	10.3	10.28	11.73	11.6	11.28	11.25	11.16	11.34
EBITDA per Share	0.19	0.31	0.33	0.26	0.26	0.07	0.1	0.07	0.14	0.62	0.84	0.76	0.63	0.54	0.19
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.02	1.06	1.23	1.89	1.89	2.18	1.97	2.8	2.89	1.49	3.13	2.97	2.58	3.29	2.09
Basic EPS from Cont Ops	1.02	1.06	1.23	1.89	1.89	2.18	1.97	2.8	2.89	1.49	3.13	2.97	2.58	3.29	2.09
Diluted EPS, GAAP	1.02	1.06	1.22	1.88	1.88	2.17	1.96	2.79	2.88	1.48	3.12	2.95	2.58	3.27	2.07
Diluted EPS from Cont Ops	1.02	1.06	1.22	1.88	1.88	2.17	1.96	2.79	2.88	1.48	3.12	2.95	2.58	3.27	2.07
Dividend per Share	0.68	0.68	0.71	0.68	0.68	0.71	0.73	0.83	0.88	0.89	0.89	0.89	0.9	0.91	0.9
Cash Flow per Share	6.11	7.08	5.62	3.96	7.02	3.92	4.42	1.56	2.82	1.46	2.54	10.27	2.65	1.79	3.12
Free Cash Flow per Basic Share	5.86	6.38	5.33	3.25	6.32	3.6	4.14	1.14	2.22	0.96	2.18	10	2.26	1.56	2.73
Cash & Equivalents per Share	26.86	19.46	27.43	22.7	23.86	23.49	20.33	34.67	29.38	35.13	75.99	37.74	30.72	32.4	38.18
Book Value per Share	12.16	12.51	13.13	12.58	13.42	13.49	13.81	15.19	15.74	16.21	18.5	20.65	22.24	24.03	19.38
Tangible Book Value per Share	11.77	12.24	13.25	13.15	14.8	17.06	17.92	19.39	18.87	19.55	20.62	18.53	21.29	27	26.08

Renasant Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)