TORVANTA
Other · S&P 500 · data as of 2026-10-05

RNST stock analysis: RNST

RNST (RNST) is an S&P 500 company in Other. It grades strongest on value and growth.

The model's view of RNST · subscribers

Where RNST ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

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What's happening with RNST · updated 2026-10-05 · from prices and SEC filings

RNST price performance

RNST against the S&P 500, one year
-10%+0%+10%+20%S&P 500 +18%RNST +10%2025-09-292026-10-05
Year to date+14.6%S&P 500 +14.5% · ahead by 0.1 pts
1 year+10.3%S&P 500 +17.0% · behind by 6.7 pts
3 years+63.0%S&P 500 +89.3% · behind by 26.2 pts
5 years+22.3%S&P 500 +91.3% · behind by 69.0 pts

Total returns with dividends reinvested.

RNST factor grades

Each grade compares RNST with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

A-ValueP/E 11.7x (industry 20.1x)FCF yield 10.9% (industry 6.0%)
A-GrowthEPS growth +34% (industry +10%)
–Profitability
B-Momentum12-month change +10%From 52-wk high -10%

RNST in plain numbers

RNST key statistics

SectorOther
Industryn/a
IndexS&P 500
Market value$3.6B
Revenue growth (y/y)n/a
Free-cash-flow yield10.9%
Dividend yield2.4%
Next earnings (expected)2026-10-27
Valuation measures
Market value$3.6B
Enterprise value$3.9B
P/E (trailing)11.7x
Forward P/E (Torvanta estimate)9.0x
PEG (Torvanta estimate)0.29
Price / book0.9x
Financial highlights
Net income, last 12 months$314.1M
EPS, last 12 months (GAAP)$3.38
Return on equity8.2%
Cash$881.2M
Total debt$1.1B
Debt / equity0.29x
Free cash flow, last 12 months$394.0M

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

RNST earnings trends

Revenue vs earnings
$0$22.1M$44.1M$66.2M$88.2MSep 2024 Net income: $72.5MDec 2024 Net income: $44.7MMar 2025 Net income: $41.5MJun 2025 Net income: $1.0MSep 2025 Net income: $59.8MDec 2025 Net income: $78.9MMar 2026 Net income: $88.2MJun 2026 Net income: $87.1MSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ Revenue ■ Net income ━ Net margin
Earnings per share$0.0$0.3$0.6$0.9$1.2Sep 2024 EPS (GAAP, diluted): $1.2Dec 2024 EPS (GAAP, diluted): $0.7Mar 2025 EPS (GAAP, diluted): $0.7Jun 2025 EPS (GAAP, diluted): $0.0Sep 2025 EPS (GAAP, diluted): $0.6Dec 2025 EPS (GAAP, diluted): $0.9Mar 2026 EPS (GAAP, diluted): $0.9Jun 2026 EPS (GAAP, diluted): $0.9Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ EPS (GAAP, diluted) Change from a year earlier: Sep 2025 -47% · Dec 2025 +28% · Mar 2026 +45% · Jun 2026 +9300%

From the company's 10-Q and 10-K filings with the SEC.

RNST financials (from SEC filings)

Fiscal yearFY2021FY2022FY2023FY2024FY2025
Net income$175.9M$166.1M$144.7M$195.5M$181.3M
EPS (GAAP)$3.11$2.96$2.56$3.25$2.16
Free cash flow$122.1M$559.2M$126.9M$115.8M$237.8M

RNST earnings history

ReportedEPS (GAAP)EPS y/yRevenue y/yStock vs S&P 500, 2 days
2026-07-28$0.94+9300%n/a+2.5%
2026-04-28$0.94+45%n/a+0.1%
2026-01-27$0.87+28%n/a+2.5%
2025-10-28$0.63-47%n/a-4.0%
2025-07-22$0.01-99%n/a-4.7%
2025-04-22$0.65-7%n/a+7.3%

About RNST

HeadquartersTupelo, MS
Industry (SEC code)State Commercial Banks
Fiscal year endsDecember 31
Incorporated inMS
Listed onNYSE
FormerlyPEOPLES HOLDING CO

From the company's SEC registration record.

Companies similar to RNST

CompanyMarket valueP/ERevenue growthOperating margin12-month change
RNST RNST$3.6B11.7xn/an/a+10%
GNW GNW$3.6B18.1x+2%n/a+7%compare
WSBC WSBC$3.6B10.9xn/an/a+20%compare
BMI BMI$3.6B29.2x-1%18.9%-30%compare
QTWO QTWO$3.6B41.6x+14%10.0%-14%
BANF BANF$3.6B14.5xn/an/a-13%
NHC NHC$3.6B25.9x+7%9.3%+93%

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Frequently asked questions

Is RNST stock a buy?

Torvanta does not tell individuals what to buy. Its grades for RNST are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

What is RNST's P/E ratio?

RNST trades at about 11.7 times its last 12 months of GAAP earnings reported to the SEC, and about 9.0 times Torvanta's own estimate of the next 12 months.

When does RNST report earnings next?

Based on its filing history, Torvanta expects RNST to report around 2026-10-27.

Does RNST pay a dividend?

Yes. Its dividend yield is about 2.4%, and it has raised its dividend 1 years in a row.

How has RNST performed against the S&P 500?

Over the past year RNST returned +10.3%, against +17.0% for the S&P 500, dividends reinvested.

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Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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