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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and El Pollo Loco Holdings, Inc. (LOCO). Click either name above to swap in a different company.
El Pollo Loco Holdings, Inc. is the larger business by last-quarter revenue ($126.2M vs $72.9M, roughly 1.7× CENTRAL PACIFIC FINANCIAL CORP). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs 6.5%, a 22.0% gap on every dollar of revenue. On growth, CENTRAL PACIFIC FINANCIAL CORP posted the faster year-over-year revenue change (6.0% vs 5.9%). Over the past eight quarters, CENTRAL PACIFIC FINANCIAL CORP's revenue compounded faster (6.7% CAGR vs 1.6%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
El Pollo Loco, Inc., is a restaurant chain based in the United States, specializing in Mexican-style grilled chicken. Restaurant service consists of dine-in and take-out, with some locations offering drive-through options. The company is headquartered in Costa Mesa, California, and operates about 500 company-owned and franchised restaurants in the Southwestern United States.
CPF vs LOCO — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $72.9M | $126.2M |
| Net Profit | $20.7M | $8.2M |
| Gross Margin | — | — |
| Operating Margin | — | 9.7% |
| Net Margin | 28.4% | 6.5% |
| Revenue YoY | 6.0% | 5.9% |
| Net Profit YoY | 16.7% | 48.8% |
| EPS (diluted) | $0.78 | $0.27 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $72.9M | $126.2M | ||
| Q4 25 | $76.3M | $123.5M | ||
| Q3 25 | $74.8M | $121.5M | ||
| Q2 25 | $72.8M | $125.8M | ||
| Q1 25 | $68.8M | $119.2M | ||
| Q4 24 | $58.4M | $114.3M | ||
| Q3 24 | $66.6M | $120.4M | ||
| Q2 24 | $64.0M | $122.2M |
| Q1 26 | $20.7M | $8.2M | ||
| Q4 25 | $22.9M | $6.5M | ||
| Q3 25 | $18.6M | $7.4M | ||
| Q2 25 | $18.3M | $7.1M | ||
| Q1 25 | $17.8M | $5.5M | ||
| Q4 24 | $11.3M | $6.0M | ||
| Q3 24 | $13.3M | $6.2M | ||
| Q2 24 | $15.8M | $7.6M |
| Q1 26 | — | 9.7% | ||
| Q4 25 | 37.0% | 8.3% | ||
| Q3 25 | 31.6% | 9.4% | ||
| Q2 25 | 32.8% | 9.0% | ||
| Q1 25 | 32.8% | 7.5% | ||
| Q4 24 | 23.0% | 7.9% | ||
| Q3 24 | 25.6% | 8.4% | ||
| Q2 24 | 32.2% | 10.1% |
| Q1 26 | 28.4% | 6.5% | ||
| Q4 25 | 30.0% | 5.3% | ||
| Q3 25 | 24.8% | 6.1% | ||
| Q2 25 | 25.1% | 5.6% | ||
| Q1 25 | 25.8% | 4.6% | ||
| Q4 24 | 19.4% | 5.2% | ||
| Q3 24 | 20.0% | 5.1% | ||
| Q2 24 | 24.7% | 6.2% |
| Q1 26 | $0.78 | $0.27 | ||
| Q4 25 | $0.85 | $0.22 | ||
| Q3 25 | $0.69 | $0.25 | ||
| Q2 25 | $0.67 | $0.24 | ||
| Q1 25 | $0.65 | $0.19 | ||
| Q4 24 | $0.42 | $0.21 | ||
| Q3 24 | $0.49 | $0.21 | ||
| Q2 24 | $0.58 | $0.25 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $3.9M |
| Total DebtLower is stronger | $76.5M | — |
| Stockholders' EquityBook value | $593.9M | $302.5M |
| Total Assets | $7.5B | $609.1M |
| Debt / EquityLower = less leverage | 0.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $3.9M | ||
| Q4 25 | — | $6.2M | ||
| Q3 25 | — | $10.9M | ||
| Q2 25 | — | $9.0M | ||
| Q1 25 | — | $4.3M | ||
| Q4 24 | — | $2.5M | ||
| Q3 24 | — | $7.9M | ||
| Q2 24 | — | $10.5M |
| Q1 26 | $76.5M | — | ||
| Q4 25 | $76.5M | $51.0M | ||
| Q3 25 | $131.5M | $61.0M | ||
| Q2 25 | $131.5M | $69.0M | ||
| Q1 25 | $131.4M | $73.0M | ||
| Q4 24 | $156.3M | $71.0M | ||
| Q3 24 | $156.3M | $76.0M | ||
| Q2 24 | $156.2M | $87.0M |
| Q1 26 | $593.9M | $302.5M | ||
| Q4 25 | $592.6M | $291.1M | ||
| Q3 25 | $588.1M | $282.9M | ||
| Q2 25 | $568.9M | $274.2M | ||
| Q1 25 | $557.4M | $265.7M | ||
| Q4 24 | $538.4M | $260.7M | ||
| Q3 24 | $543.7M | $255.2M | ||
| Q2 24 | $518.6M | $248.6M |
| Q1 26 | $7.5B | $609.1M | ||
| Q4 25 | $7.4B | $606.6M | ||
| Q3 25 | $7.4B | $602.7M | ||
| Q2 25 | $7.4B | $596.8M | ||
| Q1 25 | $7.4B | $590.5M | ||
| Q4 24 | $7.5B | $592.0M | ||
| Q3 24 | $7.4B | $590.0M | ||
| Q2 24 | $7.4B | $593.8M |
| Q1 26 | 0.13× | — | ||
| Q4 25 | 0.13× | 0.18× | ||
| Q3 25 | 0.22× | 0.22× | ||
| Q2 25 | 0.23× | 0.25× | ||
| Q1 25 | 0.24× | 0.27× | ||
| Q4 24 | 0.29× | 0.27× | ||
| Q3 24 | 0.29× | 0.30× | ||
| Q2 24 | 0.30× | 0.35× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
