Banking sector: approx. 70%
Mortgage business: approx. 20%
Asset management: approx. 10%

TOP 3 Markets:
Mississippi: approx. 35%
Tennessee: approx. 25%
Alabama: approx. 20%

Renasant Corporation generates the majority of its revenue from traditional banking, including deposit and lending activities. The mortgage business also contributes significantly to revenue, followed by asset management services.

Renasant Corporation's main markets are located in the southern states of the USA, with Mississippi accounting for the largest share of revenue, followed by Tennessee and Alabama. These markets are crucial for the company as they provide a strong customer base and established business relationships.

Renasant Corporation is not a manufacturing company, but a financial services company.

Renasant Corporation offers banking services, mortgage financing, asset management, and insurance products. The company is headquartered in Tupelo, Mississippi, and operates branches in several states in the USA, including Mississippi, Tennessee, Alabama, Florida, and Georgia.

Since Renasant Corporation does not produce physical products, there are no production facilities in the traditional sense. Their services are offered in their branches and through digital platforms.

Strategy for Future Growth:

Renasant Corporation is focusing on a diversification strategy to secure future growth. This strategy includes the following key points:

1. Expansion of digital offerings: Renasant is heavily investing in digital technologies to enhance customer service and increase efficiency. This includes the development of mobile banking solutions and digital platforms to meet changing customer needs.

2. Geographical expansion: The company plans to expand its presence in the southeastern United States by opening new branches and making strategic acquisitions. This is intended to help grow the customer base and tap into new markets.

3. Diversification of revenue sources: Renasant aims to diversify its revenue sources by expanding services in wealth management and insurance. This is expected to reduce dependence on traditional banking activities and create additional revenue streams.

These strategic initiatives are aimed at maximizing Renasant Corporation's growth potential and strengthening its competitive position in a rapidly changing market environment.

Renasant Corporation is a financial services company and not a manufacturing company. Therefore, it does not import raw materials or materials in the traditional sense.

As a financial institution, Renasant Corporation focuses on services such as banking, mortgages, insurance, and asset management. In this sector, the "raw materials" are to be understood more in the form of financial products and services, not physical materials.

When it comes to investments or financial products that Renasant Corporation may make in foreign markets, a detailed analysis of the investment strategy and geographic diversification would be necessary. This information is typically found in the company's annual reports or investor presentations.

Return on Equity (ROE): 9.2% (2024)
Net Interest Margin: 3.5% (2024)
Market Share in the Southeastern USA: 2.1% (2024)

Renasant Corporation has a moderate competitive advantage, demonstrated by a solid return on equity and stable net interest margin. The 9.2% return on equity is in line with the industry average, indicating efficient capital utilization. The 3.5% net interest margin shows that the company is able to effectively manage its interest costs and operate profitably.

The 2.1% market share in the Southeastern USA indicates that Renasant has a certain presence and recognition in this region, providing a competitive advantage. However, the market share is not dominant, meaning the company still needs to compete against larger banks.

In summary, Renasant Corporation has a competitive advantage that is not strongly pronounced. To strengthen this advantage, the company could invest in technology and customer experience to differentiate itself from the competition.

Institutional Investor Share: 70% (estimated, 2025)
Insider Buys/Sells: No significant transactions in the last quarter (2025)

The institutional investor share in Renasant Corporation is approximately 70%. This demonstrates a strong trust from institutional investors in the company's stability and growth potential.

There were no significant insider transactions in the last quarter, indicating that the management does not currently expect drastic changes in the stock value. However, such transactions could serve as an indicator of the management's assessment of the company's value in the future.

Market share of Renasant Corporation: Estimate: approximately 1-2% in the regional banking market (2025)

Major competitors in the regional banking market:

1. Regions Financial Corporation (NYSE:RF): around 10%
2. BB&T Corporation (now Truist Financial Corporation, NYSE:TFC): around 9%
3. SunTrust Banks (now Truist Financial Corporation, NYSE:TFC): around 8%
4. First Horizon National Corporation (NYSE:FHN): around 5%
5. Synovus Financial Corp. (NYSE:SNV): around 4%

Moat of Renasant Corporation: Renasant Corporation possesses a moderate moat, primarily based on its regional presence and long-standing customer relationships. The advantage lies in deep roots within local communities and a good understanding of regional markets.

Compared to larger competitors like Truist Financial Corporation or Regions Financial Corporation, which have more extensive resources and a broader range of services, Renasant's moat is less pronounced. These larger banks can achieve a stronger competitive advantage through economies of scale and substantial investments in technology and innovation.

Renasant must focus on its niche markets and personalized customer service to remain competitive. The competitive advantage of larger banks lies in their ability to offer more comprehensive financial services and invest in new technologies, potentially giving them a stronger moat.

Revenue Growth: 8.5% (2024)
Profit Growth: 6.2% (2024)
Return on Equity: 9.8% (2024)

Renasant Corporation recorded solid revenue growth of 8.5% in 2024, attributed to successful expansion into new markets and increased customer acquisition. The 6.2% profit growth indicates the company's ability to effectively manage costs and enhance profitability.

The 9.8% return on equity suggests that Renasant efficiently utilizes its capital, which is a positive signal for investors. This metric ranks above many competitors in the banking sector, indicating strong operational performance.

In summary, Renasant Corporation demonstrates healthy financial development with solid growth rates and efficient capital utilization. These factors could make the stock an attractive investment, especially for investors seeking stable and growth-oriented companies in the financial sector.

Dividend Yield: 3.2% (estimated for 2025)
Dividend History: Continuous payout over the last 10 years

Renasant Corporation has been paying out a consistent dividend in recent years. The dividend yield of approximately 3.2% in 2025 shows that the company continues to offer its shareholders an attractive return.

The reliability of dividend payment is supported by the stable financial performance and solid capital structure of the company. Historically, Renasant Corporation has maintained its dividend policy, creating confidence in future payouts.