Renasant Corporation (RNST) Fair Value 2026

RNST · State Commercial Banks ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.4 /10

32 fundamental signals · 12 models active

Value Trap Risk

SAFE (20/100)

Quick Summary — As of 2026-07-14, Renasant Corporation (RNST) trades at $42.57, approximately 26% below CirclFi’s Bayesian DCF fair value of $57.20. QOC: 7.4/10. Value Trap Risk: 20/100 (SAFE). 12/13 models active.

Key Facts

Ticker
RNST
Price
$42.57
Quality Score
7.4/10
Value Trap Risk
20/100
Models Active
12/13
Last Updated
Strength: Bayesian DCF suggests +34.4% upside with 58% confidence
Risk: Majority of models suggest overvaluation

Valuation Matrix

12 Intrinsic Value Models vs. Current Price ($42.57)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
$57.20 +34.4%
Earnings Power Value
High Conviction
$17.11 -59.8%
CUCE Ensemble
Low Conviction
$37.73 -11.4%
First Chicago
High Conviction
$40.41 -5.1%

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What Is Renasant Corporation (RNST) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on Renasant Corporation at its current price of $42.57. The composite intrinsic value is estimated at $41.80 (-1.8% average return), with 8 models flagging overvaluation risk. The most optimistic model, ML-RIV, places fair value at $104.64 (+145.8%), while Markov DDM — the most conservative — estimates $9.54 (-77.6%). This +223.4% gap reflects genuine analytical uncertainty about Renasant Corporation's intrinsic worth.

What Do the Models Say About RNST?

12 of 13 models are currently active for RNST. Of these, 4 models suggest upside while 8 models suggest overvaluation. The Bayesian DCF estimates RNST's intrinsic value at $57.20, implying +34.4% upside from the current price. See which stocks rank higher →

How Does RNST Rank in State Commercial Banks?

Among 172 State Commercial Banks stocks, RNST ranks #137 by Quality of Company score. CirclFi's QOC score of 7.4/10 evaluates 32 fundamental signals. A score of 7.4 indicates above-average quality.

See all Most Undervalued State Commercial Banks Stocks →

Within the State Commercial Banks space, Renasant Corporation competes in an environment where deposit growth often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is RNST a Value Trap?

CirclFi's Value Trap algorithm assigns RNST a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

12 of 13 models are active for Renasant Corporation. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Renasant Corporation is rated at 7.4/10. This solid-tier score maintains reasonable quality metrics with some areas for improvement.

The gap between the most bullish and bearish model spans +223.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every RNST valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across RNST's 12 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Renasant Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar State Commercial Banks Stocks Should You Also Analyze?

8 related State Commercial Banks stocks with 13-model coverage

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Frequently Asked Questions About Renasant Corporation

What is Renasant Corporation's intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Renasant Corporation (RNST) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $57.20. The Quality of Company score is 7.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is RNST overvalued or undervalued right now?

At $42.57, 4 of 12 active models suggest RNST may be undervalued, while 8 indicate potential overvaluation. The assessment depends on which methodology best fits Renasant Corporation's business model in State Commercial Banks.

What does a Quality of Company score of 7.4 mean for RNST?

Renasant Corporation's QOC of 7.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on RNST?

CirclFi analyzes RNST with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 12 of 13 are active for this stock. Read the full methodology →

Is RNST a value trap in 2026?

Renasant Corporation's Value Trap score is 20/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

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