Renasant Corporation (RNST) Fair Value 2026

RNST · Banks - Regional ·

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

Quality Score

8.1 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-28, Renasant Corporation (RNST) trades at $41.09, versus a $27.19 median fair value across its 5 active models — 33.8% below the current price. QOC: 8.1/10. Value Trap Risk: 12/100 (SAFE). 5/13 models active.

Key Facts

Ticker
RNST
Price
$41.09
Quality Score
8.1/10
Value Trap Risk
12/100
Models Active
5/13
Last Updated
Strength: Quality Score of 8.1/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Renasant Corporation (RNST) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Renasant Corporation (RNST) appears overvalued as of : the median of 5 independent fair value estimates is $27.19, 33.8% below the current price of $41.09. Estimates range from $9.66 to $48.27. RNST scores 8.1/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. RNST’s -33.8% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Renasant Corporation Stock in 2026? →

What Fair Value Does Each Model Give RNST?

5 Intrinsic Value Models vs. Current Price ($41.09)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $23.60 -42.6%
Intrinsic · High Conviction
 $9.66 -76.5%
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What Is RNST's Fair Value Range?

Spread across 5 independent models · $9.66 to $48.27

CirclFi's 5 active models place Renasant Corporation (RNST) between $9.66 and $48.27 per share, a spread of 142% of the median. The median of that range — $27.19 — is the fair value CirclFi publishes for RNST, against a current price of $41.09.

Low · Markov DDMHigh · Regime Cross
$9.66median $27.19$48.27
Where the range comes from
Most bearish modelMarkov DDM$9.66
Most bullish modelRegime Cross-Sectional$48.27
Model agreement1 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for RNST. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on RNST, not a CirclFi price target. How each model works →

What Is Renasant Corporation (RNST) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Renasant Corporation's intrinsic value is estimated at $27.19, suggesting the stock is overvalued at its current price of $41.09. With 4 out of 5 models flagging downside (-33.8% vs price), the market may be pricing in unsustainable growth. The most optimistic model, Regime Cross, places fair value at $48.27 (+17.5%), while Markov DDM — the most conservative — estimates $9.66 (-76.5%). This +94.0% gap reflects genuine analytical uncertainty about Renasant Corporation's intrinsic worth.

What Do the Models Say About RNST?

5 of 13 models are currently active for RNST. Of these, 1 model suggests upside while 4 models suggest overvaluation. Taken together, their median fair value for RNST is $27.19 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does RNST Rank in Banks - Regional?

Among 352 Banks - Regional stocks, RNST ranks #156 by Quality of Company score. CirclFi's QOC score of 8.1/10 evaluates 32 fundamental signals. A score of 8.1 places RNST in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional 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 12/100 (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

5 of 13 models are active for Renasant Corporation. Limited activation may indicate insufficient history. 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 8.1/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +94.0% — 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 5 active models, average confidence is 36%. 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 Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FNRNFirst Northern Community BancorpQOC 8.1SMBCSouthern Missouri Bancorp, Inc.QOC 8.1TRSTTrustCo Bank Corp NYQOC 8.1IBCPIndependent Bank CorporationQOC 8.1UWHRUwharrie Capital CorpQOC 8.1FFINFirst Financial Bankshares, Inc.QOC 8.1SBSISouthside Bancshares, Inc.QOC 7.7OZKBank OZKQOC 6.1BFCBank First CorporationQOC 8.4STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: FNRN · SMBC · TRST · IBCP · UWHR · FFIN · SBSI · OZK · BFC · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to RNST?

6 companies across all industries closest to RNST’s Quality of Company score of 8.1/10.

SKWDSkyward Specialty Insurance Group, Inc.QOC 8.1BAMBrookfield Asset Management Ltd.QOC 8.1POOLPool CorporationQOC 8.1NLYAnnaly Capital Management, Inc.QOC 8.1PRSUPursuit Attractions and Hospitality, Inc.QOC 8.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SKWD · BAM · POOL · NLY · PRSU · NVDA

Where Does RNST Sit in CirclFi's Banks - Regional Rankings?

RNST is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Renasant Corporation’s Valuation?

What is Renasant Corporation's intrinsic value in 2026?

CirclFi puts Renasant Corporation (RNST)'s intrinsic value at $27.19 — the median of 5 independent model estimates as of 2026-08-28, ranging from $9.66 to $48.27. The Quality of Company score is 8.1/10 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 $41.09, 1 of 5 active models suggest RNST may be undervalued, while 4 indicate potential overvaluation. The median of all 5 fair value estimates is $27.19, 33.8% below the current price of $41.09 — a consensus view that RNST is overvalued. The assessment depends on which methodology best fits Renasant Corporation's business model in Banks - Regional.

What does a Quality of Company score of 8.1 mean for RNST?

Renasant Corporation's QOC of 8.1/10 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 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on RNST?

Of the 5 models currently active on RNST, Regime Cross-Sectional is the most bullish at $48.27 per share, and Markov DDM is the most bearish at $9.66. CirclFi's published fair value for RNST is the median of that range, $27.19, not either extreme. The gap between the two ends equals 142% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is RNST a value trap in 2026?

Renasant Corporation's Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Renasant Corporation (RNST) has a median fair value of $27.19 — 33.8% below the current price of $41.09 — as of 2026-08-28.” Source: circlfi.com/stock/RNST/ · Methodology
Primary sources for this RNST valuation
  • Financial statements: Renasant Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0000715072) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for RNST as of ; valuations recomputed .

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