B

Renasant Corporation — Earnings Quality Grade B

RNST · Financial Services

Generally healthy

Revenue
$986M
2025
Net Income
$181M
2025
Gross Margin
Free Cash Flow
$238M
01

Screening Summary

7
Passed
3
Watch
0
Failed
M-Score

管理层信号

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Routine2026-03-16
Mr. Cole · Legal任命
Standard appointment
SEC
Routine2025-11-14
Richard Heyer · Director离任
SEC
Routine2025-11-14
Richard Heyer · director任命
Standard appointment
SEC
Watch2025-11-03
Former: partners and professional staff of HORNE LLP; New: BDO USA · Independent Registered Public Accounting Firm (disagreement reported)auditor_change
Auditor change without disagreement
SEC

数据来源:SEC EDGAR 8-K Item 5.02,附 Exhibit 99.1 链接

02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

Insufficient data

A2AR vs Revenue Growth

Insufficient data

A3Revenue vs CFFO

Revenue 48.8%, CFFO 155.1%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

!
B2CapEx vs Revenue

CapEx growth 147.1% is >2x revenue growth 48.8%

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.50. Profits backed by cash

C2Free Cash Flow

FCF $0.2B, FCF/NI = 1.31

C3Accruals Ratio

Accruals ratio = -0.3%. Low accruals

C4Cash vs Debt

Cash $1.1B covers debt $1.0B

04

Balance Sheet Health

!
D1Goodwill + Intangibles

Goodwill+Intangibles $1.6B = 42% of equity

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

!
E2Goodwill Surge

Goodwill+Intangibles surged 50% YoY

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Altman Z-Score — Not Applicable

Renasant Corporation is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25