Head to Head Comparison: Renasant (RNST) versus Paragon Commercial (PBNC)

Renasant (NASDAQ: RNST) and Paragon Commercial (NASDAQ:PBNC) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, dividends, valuation, institutional ownership, profitability and risk.

Valuation and Earnings

This table compares Renasant and Paragon Commercial’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Renasant $506.89 million 4.16 $92.19 million $1.97 21.70
Paragon Commercial $55.46 million 5.30 $13.39 million $2.67 20.16

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

Profitability

This table compares Renasant and Paragon Commercial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Renasant 18.19% 8.45% 1.22%
Paragon Commercial 29.56% 11.37% 0.99%

Dividends

Renasant pays an annual dividend of $0.76 per share and has a dividend yield of 1.8%. Paragon Commercial does not pay a dividend. Renasant pays out 38.6% of its earnings in the form of a dividend.

Institutional & Insider Ownership

65.2% of Renasant shares are owned by institutional investors. Comparatively, 32.3% of Paragon Commercial shares are owned by institutional investors. 3.9% of Renasant shares are owned by company insiders. Comparatively, 23.3% of Paragon Commercial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Analyst Ratings

This is a summary of current ratings for Renasant and Paragon Commercial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Renasant 0 4 1 0 2.20
Paragon Commercial 0 2 0 0 2.00

Renasant currently has a consensus price target of $45.25, indicating a potential upside of 5.85%. Given Renasant’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Renasant is more favorable than Paragon Commercial.

Summary

Renasant beats Paragon Commercial on 9 of the 15 factors compared between the two stocks.

Renasant Company Profile

Renasant Corporation is a bank holding company that owns and operates Renasant Bank (the Bank) and Renasant Insurance, Inc. (Renasant Insurance). The Company’s segments include Community Banks, which delivers a range of banking and financial services to individuals and small to medium-sized businesses, including checking and savings accounts, business and personal loans, equipment leasing, as well as safe deposit and night depository facilities; Insurance, which includes a full service insurance agency offering all lines of commercial and personal insurance through major carriers; Wealth Management, which offers a range of fiduciary services that includes the administration and management of trust accounts, including personal and corporate benefit accounts, and custodial accounts, and Other. The Bank has its operations in Mississippi, Tennessee, Alabama, Florida and Georgia. Renasant Insurance has its operations in Mississippi. Renasant Insurance is a subsidiary of the Bank.

Paragon Commercial Company Profile

Paragon Commercial Corporation is a bank holding company for Paragon Bank (the Bank). The Bank is engaged in general commercial banking in Wake and Mecklenburg Counties, North California. The Bank offers private banking and commercial banking services. Its private banking services include deposit services, such as debit cards and safe deposit boxes. Its commercial banking services include deposit services, such as business checking, nonprofit checking and business money market; courier service; remote deposit capture; merchant services; zero balance accounts; cash vault/deposit service, and account management services, such as automated sweeps and reconciliation. It also offers mobile and online banking services. Its borrowing services include commercial loans and lines, corporate credit cards and home purchase/refinance. It also offers wealth management and investment services.

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