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RENASANT CORP (RNST)

RENASANT CORP (RNST)

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Cash Flow Overview

Change in Cash
-$335,777K
Free Cash flow
$76,408K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sales of mortgage ...
    • Proceeds from the issuance of lo...
    • Proceeds from call/maturities of...
    • Others
Negative Cash Flow Breakdown
    • Funding of mortgage loans held f...
    • Net increase in deposits
    • Purchases of securities availabl...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
87,091
88,228
78,948
59,788
Provision for credit losses
3,799
8,080
10,935
10,450
Depreciation, amortization and accretion
4,422
273
3,045
1,378
Deferred income tax expense (benefit)
-961
6,827
5,790
-3,495
Impairment losses on securities
-
-
0
-
Gain on sale of mortgage servicing rights
0
-
0
0
Gain on sale of insurance agency
-
-
0
0
Funding of mortgage loans held for sale
410,416
342,536
392,378
425,482
Proceeds from sales of mortgage loans held for sale
405,831
380,395
418,284
499,372
Gains on sales of mortgage loans held for sale
4,760
5,305
5,243
5,270
Losses on sales of securities
-
-
0
-
Gain on debt extinguishment
-
-
0
0
Losses (gains) on sales of premises and equipment
-34
-10
2,151
0
Stock-based compensation
4,384
5,474
4,196
5,443
Income from bank-owned life insurance
4,608
3,689
14,244
-
Net change in operating leases
1,457
1,496
9,816
-
(increase) decrease in other assets
-23,858
25,228
27,312
4,084
Decrease in other liabilities
-27,700
-13,970
17,454
6,723
Net cash provided by operating activities
82,431
100,055
107,140
135,470
Purchases of securities available for sale
162,407
378,991
142,092
112,874
Proceeds from sales of securities available for sale
0
-
0
0
Proceeds from call/maturities of securities available for sale
121,831
116,604
107,881
90,404
Proceeds from call/maturities of securities held to maturity
24,703
24,859
23,091
26,566
Proceeds from sale of mortgage servicing rights
0
-
0
9,353
Net increase in loans
161,019
-79,767
27,819
449,243
Purchases of premises and equipment
6,023
6,327
3,383
15,341
Proceeds from sales of premises and equipment
706
12
7,276
20
Net cash received from sale of insurance agency
-
-
6,412
0
Proceeds from surrender of bank-owned life insurance
0
0
0
0
Purchases of fhlb stock
1,874
1,175
26,426
-
Proceeds from redemption of fhlb stock
0
16,015
19,781
-
Purchases of frb stock
91,303
-
-
-
Net change in fhlb stock
-
-
-
447
Purchases of frb stock
-
91,127
-
-
Proceeds from redemption of frb stock
233
-
-
-
Proceeds from sales of other assets
5,141
6,151
6,055
827
Net cash received in acquisition of businesses
-
-
0
0
Net cash (paid) received in acquisition of businesses
-67,612
-
-
-
Other, net
-4,247
-1,356
-23
-1,954
Net cash used in investing activities
-242,250
-232,856
-23,071
-448,781
Net increase in deposits
-398,432
626,414
397,090
-117,722
Net increase in interest-bearing deposits
-
-
-
-43,355
Net decrease in short-term borrowings
9,362
-249,911
-50,289
200,714
Repayment of long-term debt
-
-
60,000
0
Proceeds from the issuance of long-term debt, net of issuance costs
295,854
-
-
-
Cash paid for dividends
22,210
21,634
22,026
21,153
Repurchase of shares in connection with stock repurchase program
60,532
75,806
13,336
-
Proceeds from equity offering
-
-
0
0
Net cash provided by financing activities
-175,958
279,063
-97,136
18,484
Net (decrease) increase in cash and cash equivalents
-335,777
146,262
-13,067
-294,827
Cash and cash equivalents at beginning of period
1,216,980
1,070,718
1,083,785
1,092,032
Cash and cash equivalents at end of period
881,203
1,216,980
1,070,718
1,083,785
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Cash Flow

Proceeds from sales ofmortgage loans held for...$405,831K (-41.92%↓ Y/Y)Net income$87,091K (104.75%↑ Y/Y)(increase) decrease inother assets-$23,858K (-450.36%↓ Y/Y)Depreciation, amortizationand accretion$4,422K (-62.49%↓ Y/Y)Stock-based compensation$4,384K (-45.77%↓ Y/Y)Provision for creditlosses$3,799K (-95.59%↓ Y/Y)Net change inoperating leases$1,457K Losses (gains) on salesof premises and...-$34K (-109.80%↓ Y/Y)Net cash provided byoperating activities$82,431K (185.61%↑ Y/Y)Canceled cashflow$448,445K Net (decrease)increase in cash and cash...-$335,777K (-217.17%↓ Y/Y)Canceled cashflow$82,431K Proceeds fromcall/maturities of securities...$121,831K (7.79%↑ Y/Y)something is missing$91,127K Proceeds fromcall/maturities of securities...$24,703K (-52.81%↓ Y/Y)Proceeds from sales ofother assets$5,141K (-56.35%↓ Y/Y)Other, net-$4,247K (-125.66%↓ Y/Y)Proceeds from sales ofpremises and equipment$706K (-47.55%↓ Y/Y)Proceeds from redemptionof frb stock$233K Proceeds from theissuance of long-term...$295,854K Net decrease inshort-term borrowings$9,362K (1118.72%↑ Y/Y)Funding of mortgageloans held for sale$410,416K (-48.36%↓ Y/Y)Decrease in otherliabilities-$27,700K (-10.80%↓ Y/Y)Gains on sales ofmortgage loans held for...$4,760K (-51.51%↓ Y/Y)Income from bank-ownedlife insurance$4,608K Deferred income taxexpense (benefit)-$961K (-58.06%↓ Y/Y)Net cash used ininvesting activities-$242,250K (7.60%↑ Y/Y)Net cash provided byfinancing activities-$175,958K (-133.85%↓ Y/Y)Canceled cashflow$247,988K Canceled cashflow$305,216K Purchases of securitiesavailable for sale$162,407K (-82.83%↓ Y/Y)Net increase inloans$161,019K (-66.45%↓ Y/Y)Net increase indeposits-$398,432K (-342.49%↓ Y/Y)Purchases of frb stock$91,303K Net cash (paid)received in acquisition...-$67,612K Purchases of premises andequipment$6,023K (-59.84%↓ Y/Y)Purchases of fhlb stock$1,874K Repurchase of shares inconnection with stock...$60,532K Cash paid fordividends$22,210K (-37.30%↓ Y/Y)