BH-A vs UCB

Comparison between Biglari Holdings Inc - Class A (BH-A, Company) and United Community Banks Inc (UCB, Company).

BH-A is from the Consumer Cyclical sector, while UCB is from the Financial Services sector.

5-Year PerformanceBH-A has outperformed UCB, delivering a return of +18.7% compared to +7.3%

BH-A vs UCB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BH-A(COMPANY)	UCB(COMPANY)
Market Cap	$4.28B	$4.31B
Max Drawdown	77.48%	96.24%
Sharpe Ratio	0.81	0.85
5Y Beta	0.52	1.04
Industry	Restaurants	Banks - Regional
P/E Ratio	192.33	12.76
Forward P/E	N/A	12.53
PEG Ratio	N/A	0.44
Dividend Yield	N/A	2.78%
5Y Dividends CAGR	N/A	6.21%
5Y EPS CAGR	N/A	3.24%
Debt to Equity	40.64%	3.30%
Free Cash Flow Yield	1.90%	7.53%
P/S Ratio	3.32	4.12
P/B Ratio	1.70	1.17

Market Cap

BH-A

$4.28B

Winner

UCB

$4.31B

Max Drawdown

Winner

BH-A

77.48%

UCB

96.24%

Sharpe Ratio

BH-A

0.81

Winner

UCB

0.85

5Y Beta

Winner

BH-A

0.52

UCB

1.04

Industry

BH-A

Restaurants

UCB

Banks - Regional

P/E Ratio

BH-A

192.33

Winner

UCB

12.76

Forward P/E

BH-A

N/A

UCB

12.53

PEG Ratio

BH-A

N/A

UCB

0.44

Dividend Yield

BH-A

N/A

UCB

2.78%

5Y Dividends CAGR

BH-A

N/A

UCB

6.21%

5Y EPS CAGR

BH-A

N/A

UCB

3.24%

Debt to Equity

BH-A

40.64%

Winner

UCB

3.30%

Free Cash Flow Yield

BH-A

1.90%

Winner

UCB

7.53%

P/S Ratio

Winner

BH-A

3.32

UCB

4.12

P/B Ratio

BH-A

1.70

Winner

UCB

1.17

BH-A vs UCB - Historical Returns

Returns include dividend reinvestment.

Period	BH-A	UCB
1 month	+8.30%	+11.95%
3 months	+12.27%	+7.53%
6 months	-20.63%	+9.36%
1 year	+30.54%	+18.57%
5 years(CAGR)	+18.68%	+7.29%
10 years(CAGR)	+5.94%	+9.47%
Max(CAGR)	+5.94%	-1.02%

BH-A

+8.30%

Winner

UCB

+11.95%

Winner

BH-A

+12.27%

UCB

+7.53%

BH-A

-20.63%

Winner

UCB

+9.36%

Winner

BH-A

+30.54%

UCB

+18.57%

5Y(CAGR)

Winner

BH-A

+18.68%

UCB

+7.29%

10Y(CAGR)

BH-A

+5.94%

Winner

UCB

+9.47%

Max(CAGR)

Winner

BH-A

+5.94%

UCB

-1.02%

BH-A vs UCB - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

Year	BH-A	UCB
2026	+3.96%	+17.74%
2025	+37.01%	+2.28%
2024	+60.59%	+14.60%
2023	+14.88%	-10.20%
2022	-1.08%	-4.05%
2021	+20.87%	+30.70%
2020	-0.68%	-4.96%
2019	-5.44%	+44.66%
2018	-50.01%	-21.80%
2017	N/A	-3.90%
2016	N/A	+57.61%
2015	N/A	+5.47%
2014	N/A	+8.11%
2013	N/A	+78.21%
2012	N/A	+30.57%
2011	N/A	-28.31%
2010	N/A	-43.97%
2009	N/A	-73.51%
2008	N/A	-10.13%
2007	N/A	-51.25%
2006	N/A	+22.50%
2005	N/A	-1.28%
2004	N/A	+22.82%
2003	N/A	+29.82%
2002	N/A	+11.86%

BH-A vs UCB Drawdown Comparison

The maximum drawdown for BH-A was -77.48%, occurring on May 15, 2020. Recovery took 1668 trading sessions.

The maximum drawdown for UCB was -95.98%, occurring on Nov 15, 2010. This drawdown has not yet recovered.

The current BH-A drawdown is -23.35%. The current UCB drawdown is -68.60%.

Rank	BH-A	UCB
#1	-77.48% May 1, 2018 - Dec 16, 2024	-95.98% Mar 7, 2007 - Nov 15, 2010
#2	-45.84% Jan 21, 2026 - May 11, 2026	-26.47% May 20, 2002 - Aug 14, 2003
#3	-24.85% Dec 26, 2024 - Jun 18, 2025	-24.88% Dec 1, 2004 - Oct 31, 2005
#4	-22.73% Oct 27, 2025 - Dec 23, 2025	-15.10% Mar 28, 2002 - May 14, 2002
#5	-13.54% Jul 23, 2025 - Aug 15, 2025	-13.62% Jun 30, 2004 - Nov 10, 2004
#6	-8.99% Dec 17, 2024 - Dec 26, 2024	-13.31% Nov 10, 2005 - Jun 30, 2006
#7	-7.47% Dec 23, 2025 - Jan 6, 2026	-12.56% Jan 20, 2004 - Apr 2, 2004
#8	-5.99% Aug 28, 2025 - Oct 2, 2025	-10.95% Apr 12, 2004 - Jun 30, 2004
#9	-5.15% Aug 15, 2025 - Aug 27, 2025	-10.92% Aug 3, 2006 - Nov 16, 2006
#10	-3.02% Oct 9, 2025 - Oct 13, 2025	-9.30% Jul 3, 2006 - Jul 28, 2006
#11	-2.74% Jun 23, 2025 - Jul 8, 2025	-9.19% Aug 21, 2003 - Oct 14, 2003
#12	-2.20% Jan 16, 2026 - Jan 21, 2026	-8.04% Feb 7, 2007 - Mar 7, 2007
#13	-2.01% Jul 9, 2025 - Jul 17, 2025	-6.60% Nov 25, 2003 - Dec 29, 2003
#14	-1.31% Oct 15, 2025 - Oct 17, 2025	-6.22% Nov 30, 2006 - Feb 6, 2007
#15	-1.00% Oct 2, 2025 - Oct 7, 2025	-6.20% Aug 14, 2003 - Aug 20, 2003