For the quarter ending 2026-03-31, RNST had $146,262K increase in cash & cash equivalents over the period. $93,728K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Impairment losses on securities | - | 0 | - | - |
| Proceeds from sale of msr | - | - | - | 9,353 |
| Net income | 88,228 | 78,948 | 59,788 | 42,536 |
| Gain on sale of mortgage servicing rights | - | 0 | 0 | 1,467 |
| Provision for credit losses | 8,080 | 10,935 | 10,450 | 86,072 |
| Depreciation, amortization and accretion | 273 | 3,045 | 1,378 | 11,789 |
| Gain on sale of insurance agency | - | 0 | 0 | - |
| Deferred income tax expense | 6,827 | 5,790 | -3,495 | -608 |
| Funding of mortgage loans held for sale | 342,536 | 392,378 | 425,482 | 794,785 |
| Proceeds from sales of mortgage loans held for sale | 380,395 | 418,284 | 499,372 | 698,716 |
| Gains on sales of mortgage loans held for sale | 5,305 | 5,243 | 5,270 | 9,816 |
| Losses on sales of securities | - | 0 | - | - |
| Gain on debt extinguishment | - | 0 | 0 | 0 |
| Losses (gains) on sales of premises and equipment | -10 | 2,151 | 0 | 347 |
| Stock-based compensation | 5,474 | 4,196 | 5,443 | 8,084 |
| Income from bank-owned life insurance | 3,689 | 14,244 | - | - |
| Net change in operating leases | 1,496 | 9,816 | - | - |
| (decrease) in other assets | 25,228 | 27,312 | 4,084 | -4,335 |
| Decrease in other liabilities | -13,970 | 17,454 | 6,723 | -25,001 |
| Net cash provided by operating activities | 100,055 | 107,140 | 135,470 | 28,861 |
| Purchases of securities available for sale | 378,991 | 142,092 | 112,874 | 946,095 |
| Proceeds from sales of securities available for sale | - | 0 | 0 | 686,485 |
| Proceeds from call/maturities of securities available for sale | 116,604 | 107,881 | 90,404 | 113,025 |
| Proceeds from call/maturities of securities held to maturity | 24,859 | 23,091 | 26,566 | 52,352 |
| Proceeds from sale of mortgage servicing rights | - | 0 | 9,353 | - |
| Net decrease (increase) in loans | -79,767 | 27,819 | 449,243 | 480,005 |
| Purchases of premises and equipment | 6,327 | 3,383 | 15,341 | 14,996 |
| Proceeds from sales of premises and equipment | 12 | 7,276 | 20 | 1,346 |
| Net cash received from sale of insurance agency | - | 6,412 | 0 | - |
| Proceeds from surrender of bank-owned life insurance | 0 | 0 | 0 | 56,255 |
| Purchases of fhlb stock | 16,015 | 19,781 | - | - |
| Proceeds from redemption of fhlb stock | 1,175 | 26,426 | - | - |
| Net change in fhlb stock | - | - | 447 | 5,683 |
| Purchases of frb stock | 91,127 | - | - | - |
| Proceeds from sales of other assets | 6,151 | 6,055 | 827 | 11,778 |
| Net cash received in acquisition of businesses | - | 0 | 0 | 261,483 |
| Other, net | -1,356 | -23 | -1,954 | -1,882 |
| Net cash used in investing activities | -232,856 | -23,071 | -448,781 | -262,173 |
| Net increase in deposits | 626,414 | 397,090 | -117,722 | 164,306 |
| Repayment of long-term debt | - | 60,000 | 0 | 0 |
| Net increase in interest-bearing deposits | - | - | -43,355 | 391,930 |
| Net decrease in short-term borrowings | -249,911 | -50,289 | 200,714 | -919 |
| Cash paid for dividends | 21,634 | 22,026 | 21,153 | 35,425 |
| Repurchase of shares in connection with stock repurchase program | 75,806 | 13,336 | - | - |
| Proceeds from equity offering | - | 0 | 0 | - |
| Net cash provided by financing activities | 279,063 | -97,136 | 18,484 | 519,892 |
| Net increase (decrease) in cash and cash equivalents | 146,262 | -13,067 | -294,827 | 286,580 |
| Cash and cash equivalents at beginning of period | 1,070,718 | 1,083,785 | 1,092,032 | - |
| Cash and cash equivalents at end of period | 1,216,980 | 1,070,718 | 1,083,785 | - |
RENASANT CORP (RNST)
RENASANT CORP (RNST)