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Side-by-side financial comparison of FIRST COMMONWEALTH FINANCIAL CORP (FCF) and El Pollo Loco Holdings, Inc. (LOCO). Click either name above to swap in a different company.
FIRST COMMONWEALTH FINANCIAL CORP is the larger business by last-quarter revenue ($133.7M vs $126.2M, roughly 1.1× El Pollo Loco Holdings, Inc.). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs 6.5%, a 21.6% gap on every dollar of revenue. On growth, FIRST COMMONWEALTH FINANCIAL CORP posted the faster year-over-year revenue change (13.0% vs 5.9%). Over the past eight quarters, FIRST COMMONWEALTH FINANCIAL CORP's revenue compounded faster (5.5% CAGR vs 1.6%).
First Commonwealth Financial Corp is a Pennsylvania-based regional financial services holding company. It offers consumer and commercial banking products, loans, wealth management, and insurance services for individuals, small and mid-sized enterprises across central and western Pennsylvania and Ohio.
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.
FCF vs LOCO — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $133.7M | $126.2M |
| Net Profit | $37.5M | $8.2M |
| Gross Margin | — | — |
| Operating Margin | — | 9.7% |
| Net Margin | 28.1% | 6.5% |
| Revenue YoY | 13.0% | 5.9% |
| Net Profit YoY | 14.8% | 48.8% |
| EPS (diluted) | $0.37 | $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 | $133.7M | $126.2M | ||
| Q4 25 | $137.9M | $123.5M | ||
| Q3 25 | $136.0M | $121.5M | ||
| Q2 25 | $131.0M | $125.8M | ||
| Q1 25 | $118.0M | $119.2M | ||
| Q4 24 | $120.4M | $114.3M | ||
| Q3 24 | $121.2M | $120.4M | ||
| Q2 24 | $120.2M | $122.2M |
| Q1 26 | $37.5M | $8.2M | ||
| Q4 25 | $44.9M | $6.5M | ||
| Q3 25 | $41.3M | $7.4M | ||
| Q2 25 | $33.4M | $7.1M | ||
| Q1 25 | $32.7M | $5.5M | ||
| Q4 24 | $35.8M | $6.0M | ||
| Q3 24 | $32.1M | $6.2M | ||
| Q2 24 | $37.1M | $7.6M |
| Q1 26 | — | 9.7% | ||
| Q4 25 | 40.9% | 8.3% | ||
| Q3 25 | 38.1% | 9.4% | ||
| Q2 25 | 32.1% | 9.0% | ||
| Q1 25 | 34.8% | 7.5% | ||
| Q4 24 | 37.1% | 7.9% | ||
| Q3 24 | 33.4% | 8.4% | ||
| Q2 24 | 38.7% | 10.1% |
| Q1 26 | 28.1% | 6.5% | ||
| Q4 25 | 32.5% | 5.3% | ||
| Q3 25 | 30.4% | 6.1% | ||
| Q2 25 | 25.5% | 5.6% | ||
| Q1 25 | 27.7% | 4.6% | ||
| Q4 24 | 29.8% | 5.2% | ||
| Q3 24 | 26.5% | 5.1% | ||
| Q2 24 | 30.9% | 6.2% |
| Q1 26 | $0.37 | $0.27 | ||
| Q4 25 | $0.44 | $0.22 | ||
| Q3 25 | $0.39 | $0.25 | ||
| Q2 25 | $0.32 | $0.24 | ||
| Q1 25 | $0.32 | $0.19 | ||
| Q4 24 | $0.35 | $0.21 | ||
| Q3 24 | $0.31 | $0.21 | ||
| Q2 24 | $0.36 | $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 | $154.9M | — |
| Stockholders' EquityBook value | $1.6B | $302.5M |
| Total Assets | $12.3B | $609.1M |
| Debt / EquityLower = less leverage | 0.10× | — |
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 | $154.9M | — | ||
| Q4 25 | $261.7M | $51.0M | ||
| Q3 25 | $262.1M | $61.0M | ||
| Q2 25 | $262.4M | $69.0M | ||
| Q1 25 | $262.7M | $73.0M | ||
| Q4 24 | $263.0M | $71.0M | ||
| Q3 24 | $136.3M | $76.0M | ||
| Q2 24 | $136.6M | $87.0M |
| Q1 26 | $1.6B | $302.5M | ||
| Q4 25 | $1.6B | $291.1M | ||
| Q3 25 | $1.5B | $282.9M | ||
| Q2 25 | $1.5B | $274.2M | ||
| Q1 25 | $1.4B | $265.7M | ||
| Q4 24 | $1.4B | $260.7M | ||
| Q3 24 | $1.4B | $255.2M | ||
| Q2 24 | $1.4B | $248.6M |
| Q1 26 | $12.3B | $609.1M | ||
| Q4 25 | $12.3B | $606.6M | ||
| Q3 25 | $12.3B | $602.7M | ||
| Q2 25 | $12.2B | $596.8M | ||
| Q1 25 | $11.8B | $590.5M | ||
| Q4 24 | $11.6B | $592.0M | ||
| Q3 24 | $12.0B | $590.0M | ||
| Q2 24 | $11.6B | $593.8M |
| Q1 26 | 0.10× | — | ||
| Q4 25 | 0.17× | 0.18× | ||
| Q3 25 | 0.17× | 0.22× | ||
| Q2 25 | 0.17× | 0.25× | ||
| Q1 25 | 0.18× | 0.27× | ||
| Q4 24 | 0.19× | 0.27× | ||
| Q3 24 | 0.10× | 0.30× | ||
| Q2 24 | 0.10× | 0.35× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
