UCB vs BH-A

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

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

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

UCB vs BH-A - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

UCB

$4.31B

BH-A

$4.28B

Max Drawdown

UCB

96.24%

Winner

BH-A

77.48%

Sharpe Ratio

Winner

UCB

0.85

BH-A

0.81

5Y Beta

UCB

1.04

Winner

BH-A

0.52

Industry

UCB

Banks - Regional

BH-A

Restaurants

P/E Ratio

Winner

UCB

12.76

BH-A

192.33

Forward P/E

UCB

12.53

BH-A

N/A

PEG Ratio

UCB

0.44

BH-A

N/A

Dividend Yield

UCB

2.78%

BH-A

N/A

5Y Dividends CAGR

UCB

6.21%

BH-A

N/A

5Y EPS CAGR

UCB

3.24%

BH-A

N/A

Debt to Equity

Winner

UCB

3.30%

BH-A

40.64%

Free Cash Flow Yield

Winner

UCB

7.53%

BH-A

1.90%

P/S Ratio

UCB

4.12

Winner

BH-A

3.32

P/B Ratio

Winner

UCB

1.17

BH-A

1.70

UCB vs BH-A - Historical Returns

Returns include dividend reinvestment.

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

Winner

UCB

+11.95%

BH-A

+8.30%

UCB

+7.53%

Winner

BH-A

+12.27%

Winner

UCB

+9.36%

BH-A

-20.63%

UCB

+18.57%

Winner

BH-A

+30.54%

5Y(CAGR)

UCB

+7.29%

Winner

BH-A

+18.68%

10Y(CAGR)

Winner

UCB

+9.47%

BH-A

+5.94%

Max(CAGR)

UCB

-1.02%

Winner

BH-A

+5.94%

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

Returns include dividend reinvestment.

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

UCB vs BH-A Drawdown Comparison

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

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

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

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