United Community Banks Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
5-Yr Fwd EPS Growth
9.2%projected annual EPS growth
Analyst Coverage
6analysts covering
FY EPS (est.)
$2.92next fiscal year
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly365.0%Target: Stabilization and expansion through asset repricing and disciplined deposit pricing
Net Charge-Offs (NCOs) Ratio Quarterly22.0%Target: Reduction following the divestiture of the Navitas equipment finance business
Common Equity Tier 1 (CET1) Ratio Quarterly1,340.0%Target: Pro forma increase of 145 basis points following the Navitas sale
Watch Items
- Navitas Equipment Finance DivestitureTrigger: Completion of the $1.9 billion cash sale to Wafra Inc. in Q3 2026Action: Monitor the reinvestment of $1.9 billion cash proceeds into lower-risk securities and the resulting ~9% near-term earnings dilution
- Peach State Bancshares AcquisitionTrigger: Tentative legal close in August 2026 and systems conversion in February 2027Action: Track regulatory approvals, integration costs, and successful systems conversion
Research as of 19 Jun 2026