Renasant (US:RNST) ZACKS·2025-10-28 23:31Core Insights - Renasant reported revenue of $269.55 million for the quarter ended September 2025, reflecting a year-over-year increase of 22.4% and a surprise of +1.3% over the Zacks Consensus Estimate of $266.1 million [1] - The earnings per share (EPS) for the quarter was $0.77, compared to $0.70 in the same quarter last year, although it fell short of the consensus estimate of $0.79, resulting in an EPS surprise of -2.53% [1] Financial Performance Metrics - Net Interest Margin was reported at 3.9%, exceeding the three-analyst average estimate of 3.7% [4] - The Efficiency Ratio (GAAP) was 67.1%, significantly higher than the estimated 59.9% by three analysts [4] - Total nonperforming loans amounted to $171.55 million, surpassing the average estimate of $137.2 million by two analysts [4] - Annualized net loan charge-offs as a percentage of average loans were 0.1%, better than the average estimate of 0.2% [4] - Total nonperforming assets reached $182.13 million, compared to the two-analyst average estimate of $149.42 million [4] - Average balance of total interest-earning assets was $23.53 billion, slightly above the estimated $23.39 billion by two analysts [4] - Net Interest Income was reported at $223.52 million, exceeding the average estimate of $219.2 million based on three analysts [4] - Net Interest Income (FTE) was $228.13 million, compared to the average estimate of $223.1 million by three analysts [4] - Total Noninterest Income was $46.03 million, slightly below the average estimate of $46.9 million by three analysts [4] Stock Performance - Renasant shares have returned -5.2% over the past month, contrasting with the Zacks S&P 500 composite's +3.6% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]