RNST Stock Analysis: Buy, Sell, or Hold?
RNST - Renasant Corporation
$36.13
0.78 (2.21%)
▲
5d:
+0.75%
30d:
-7.14%
90d:
+0.72%
BUY
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 28, 2026
26d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: RNST shows positive signals but monitor for confirmation. Market pricing in 2.5% decline. Moderate conviction.
💡 BUY OPPORTUNITY: RNST shows positive signals but monitor for confirmation. Market pricing in 2.5% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$51.47
Based on 5.8% avg growth
INTRINSIC VALUE TODAY
$31.96
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: RNST is currently trading at $36.13, which is considered fair relative to its 30-day fair value range of $35.18 to $38.59. The stock's valuation (Forward PE: 9.4) is in line with its historical norms (10.1). Remarkably, the market is currently pricing in an annual earnings decline of 2.5% over the next few years. This pessimistic expectation contrasts with the company's recent 20.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, RNST is in a uptrend. The price is approaching resistance at $36.38. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $44.43 (+23.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, RNST is in a uptrend. The price is approaching resistance at $36.38. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $44.43 (+23.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$35.18 -
$38.59
Company Quality Score
57/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
71.9%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 23.0% below Wall St target ($44.43)
Fair Price Analysis
30-Day Fair Range
$35.18 -
$38.59
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$1.72
(4.8%)
Support & Resistance Levels
Support Level
$33.90
Resistance Level
$36.38
Current Trend
Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.39
Wall Street Target
$44.43
(+23.0%)
Revenue Growth (YoY)
62.7%
Earnings Growth (YoY)
20.1%
Profit Margin
20.6%
Valuation Discount vs History
-2.5% cheaper
PE vs Historical
9.4 vs 10.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.5%
(market-implied from PE analysis)
1-Year Target
$35.23
(-3%)
2-Year Target
$34.35
(-5%)
3-Year Target
$33.49
(-7%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$36.00
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 7.6%)
$107.05
(+196%)
Base:
(SPY PE: 9.4, Growth: 7.6%)
$45.00
(+25%)
Bear:
(PE: 8.0, Growth: 7.6%)
$38.25
(+6%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (17x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 16.82 | Current EPS (TTM): $2.07
Bull Case
$71.14
(+101%)
Analyst growth 85.8%, PE expands to 18.5
Base Case
$64.67
(+82%)
Market implied 85.8%, PE stable at 16.8
Bear Case
$23.67
(-33%)
Severe decline -20.0%, PE contracts to 14.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.4 to 10.1
Stabilization Target:
$38.84
(+7.5%)
PE Expansion Potential:
+7.5%
Share & Embed Analysis
Last updated: March 31, 2026 8:21 PM ET
Data refreshes hourly during market hours. Next update: 9:21 PM
Data refreshes hourly during market hours. Next update: 9:21 PM
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Technical Signals Check
Is RNST showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Kelly Hutcheson
SELL
1350 shares
2026-03-04
Mark Jeanfreau
SELL
6000 shares
2026-02-02
James C Iv Mabry
SELL
12500 shares
2026-01-30
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