Renasant (NASDAQ:RNST) versus Metropolitan Bank (NYSE:MCB) Financial Contrast

Renasant (NASDAQ:RNST) and Metropolitan Bank (NYSE:MCB) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, earnings, analyst recommendations, risk, dividends, institutional ownership and profitability.

Institutional and Insider Ownership

77.6% of Renasant shares are held by institutional investors. Comparatively, 73.8% of Metropolitan Bank shares are held by institutional investors. 2.8% of Renasant shares are held by company insiders. Comparatively, 15.9% of Metropolitan Bank shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares Renasant and Metropolitan Bank’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Renasant $733.66 million 3.08 $83.65 million $3.01 13.48
Metropolitan Bank $160.10 million 7.33 $39.12 million $6.14 17.96

Renasant has higher revenue and earnings than Metropolitan Bank. Renasant is trading at a lower price-to-earnings ratio than Metropolitan Bank, indicating that it is currently the more affordable of the two stocks.

Volatility and Risk

Renasant has a beta of 1.17, indicating that its stock price is 17% more volatile than the S&P 500. Comparatively, Metropolitan Bank has a beta of 1.27, indicating that its stock price is 27% more volatile than the S&P 500.

Profitability

This table compares Renasant and Metropolitan Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Renasant 23.63% 7.71% 1.07%
Metropolitan Bank 29.52% 13.40% 1.01%

Analyst Ratings

This is a summary of current ratings and price targets for Renasant and Metropolitan Bank, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Renasant 0 3 0 0 2.00
Metropolitan Bank 0 0 0 0 N/A

Renasant currently has a consensus price target of $38.67, suggesting a potential downside of 4.69%. Given Renasant’s higher probable upside, analysts plainly believe Renasant is more favorable than Metropolitan Bank.

Summary

Metropolitan Bank beats Renasant on 7 of the 12 factors compared between the two stocks.

About Renasant

Renasant Corp. is a bank holding company, which engages in the provision of financial, fiduciary, and insurance services. It operates through the following segments: Community Banks, Insurance, Wealth Management, and Other. The Community Banks segment delivers banking and financial services to individuals and small to medium sized businesses including checking and savings accounts, business and personal loans, interim construction loans, specialty commercial lending, as well as safe deposit and night depository facilities. The Insurance segment includes full service insurance agency offering lines of commercial and personal insurance. The Wealth Management segment provides fiduciary services and administer qualified retirement plans, profit sharing and other employee benefit plans, personal trusts and estates. The Other segment consists of the operations of the holding company and other eliminations. The company was founded in 1982 and is headquartered in Tupelo, MS.

About Metropolitan Bank

Metropolitan Bank Holding Corp. engages in the provision of banking solutions through its subsidiary, the Metropolitan Commercial Bank. It provides a range of business, commercial and retail banking products and services to small businesses, middle-market enterprises, public entities, and affluent individuals. The company is headquartered in New York, NY.

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