For the year ending 2025-12-31, RNST had -$21,314K decrease in cash & cash equivalents over the period. $237,751K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 181,272 |
| Provision for credit losses | 107,457 |
| Depreciation, amortization and accretion | 16,212 |
| Deferred income tax (benefit) | 1,687 |
| Impairment losses on securities | 0 |
| Gain on sale of mortgage servicing rights | 1,467 |
| Gain on sale of insurance agency | 0 |
| Funding of mortgage loans held for sale | 1,612,645 |
| Proceeds from sales of mortgage loans held for sale | 1,616,372 |
| Gains on sales of mortgage loans held for sale | 20,329 |
| Losses on sales of securities | 0 |
| Gain on debt extinguishment | 0 |
| (gains) losses on sales of premises and equipment | 2,498 |
| Stock-based compensation | 17,723 |
| Income from bank-owned life insurance | 14,244 |
| Net change in operating leases | 9,816 |
| Net increase in other assets | 27,061 |
| Net (decrease) increase in other liabilities | -824 |
| Net cash provided by operating activities | 271,471 |
| Purchases of securities available for sale | 1,201,061 |
| Proceeds from sales of securities available for sale | 686,485 |
| Proceeds from call/maturities of securities available for sale | 311,310 |
| Proceeds from call/maturities of securities held to maturity | 102,009 |
| Proceeds from sale of mortgage servicing rights | 9,353 |
| Net increase in loans | 957,067 |
| Purchases of premises and equipment | 33,720 |
| Proceeds from sales of premises and equipment | 8,642 |
| Net cash received from sale of insurance agency | 6,412 |
| Purchases of fhlb stock | 26,426 |
| Proceeds from redemption of fhlb stock | 19,781 |
| Proceeds from sales of other assets | 18,660 |
| Proceeds from surrender of bank-owned life insurance | 56,255 |
| Net cash received in acquisition of businesses | 261,483 |
| Other, net | -3,859 |
| Net cash used in investing activities | -734,025 |
| Net increase in deposits | 443,674 |
| Net increase (decrease) in short-term borrowings | 149,506 |
| Repayment of long-term debt | 60,000 |
| Cash paid for dividends | 78,604 |
| Repurchase of shares in connection with stock repurchase program | 13,336 |
| Proceeds from equity offering | 0 |
| Net cash provided by financing activities | 441,240 |
| Net (decrease) increase in cash and cash equivalents | -21,314 |
| Cash and cash equivalents at beginning of year | 1,092,032 |
| Cash and cash equivalents at end of year | 1,070,718 |
RENASANT CORP (RNST)
RENASANT CORP (RNST)