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Side-by-side financial comparison of FIRST MID BANCSHARES, INC. (FMBH) 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 $88.2M, roughly 1.4× FIRST MID BANCSHARES, INC.). FIRST MID BANCSHARES, INC. runs the higher net margin — 26.8% vs 6.5%, a 20.4% gap on every dollar of revenue. On growth, El Pollo Loco Holdings, Inc. posted the faster year-over-year revenue change (5.9% vs 3.4%). Over the past eight quarters, FIRST MID BANCSHARES, INC.'s revenue compounded faster (5.0% CAGR vs 1.6%).
First Mid Bancshares Inc. is a U.S.-headquartered regional financial services holding company. It provides full-range retail and commercial banking products, wealth management, insurance solutions, and agricultural financing, mainly serving individual consumers, small and medium-sized enterprises, and agricultural clients across multiple Midwestern states including Illinois, Missouri, and Indiana.
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.
FMBH vs LOCO — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $88.2M | $126.2M |
| Net Profit | $23.7M | $8.2M |
| Gross Margin | — | — |
| Operating Margin | 34.0% | 9.7% |
| Net Margin | 26.8% | 6.5% |
| Revenue YoY | 3.4% | 5.9% |
| Net Profit YoY | 23.5% | 48.8% |
| EPS (diluted) | $0.98 | $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 | — | $126.2M | ||
| Q4 25 | $88.2M | $123.5M | ||
| Q3 25 | $89.3M | $121.5M | ||
| Q2 25 | $87.5M | $125.8M | ||
| Q1 25 | $84.3M | $119.2M | ||
| Q4 24 | $85.3M | $114.3M | ||
| Q3 24 | $80.6M | $120.4M | ||
| Q2 24 | $79.2M | $122.2M |
| Q1 26 | — | $8.2M | ||
| Q4 25 | $23.7M | $6.5M | ||
| Q3 25 | $22.5M | $7.4M | ||
| Q2 25 | $23.4M | $7.1M | ||
| Q1 25 | $22.2M | $5.5M | ||
| Q4 24 | $19.2M | $6.0M | ||
| Q3 24 | $19.5M | $6.2M | ||
| Q2 24 | $19.7M | $7.6M |
| Q1 26 | — | 9.7% | ||
| Q4 25 | 34.0% | 8.3% | ||
| Q3 25 | 32.2% | 9.4% | ||
| Q2 25 | 34.4% | 9.0% | ||
| Q1 25 | 33.4% | 7.5% | ||
| Q4 24 | 29.7% | 7.9% | ||
| Q3 24 | 31.5% | 8.4% | ||
| Q2 24 | 33.7% | 10.1% |
| Q1 26 | — | 6.5% | ||
| Q4 25 | 26.8% | 5.3% | ||
| Q3 25 | 25.2% | 6.1% | ||
| Q2 25 | 26.8% | 5.6% | ||
| Q1 25 | 26.3% | 4.6% | ||
| Q4 24 | 22.5% | 5.2% | ||
| Q3 24 | 24.2% | 5.1% | ||
| Q2 24 | 24.9% | 6.2% |
| Q1 26 | — | $0.27 | ||
| Q4 25 | $0.98 | $0.22 | ||
| Q3 25 | $0.94 | $0.25 | ||
| Q2 25 | $0.98 | $0.24 | ||
| Q1 25 | $0.93 | $0.19 | ||
| Q4 24 | $0.81 | $0.21 | ||
| Q3 24 | $0.81 | $0.21 | ||
| Q2 24 | $0.82 | $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 | $354.5M | — |
| Stockholders' EquityBook value | $958.7M | $302.5M |
| Total Assets | $8.0B | $609.1M |
| Debt / EquityLower = less leverage | 0.37× | — |
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 | — | — | ||
| Q4 25 | $354.5M | $51.0M | ||
| Q3 25 | — | $61.0M | ||
| Q2 25 | — | $69.0M | ||
| Q1 25 | — | $73.0M | ||
| Q4 24 | — | $71.0M | ||
| Q3 24 | — | $76.0M | ||
| Q2 24 | — | $87.0M |
| Q1 26 | — | $302.5M | ||
| Q4 25 | $958.7M | $291.1M | ||
| Q3 25 | $932.2M | $282.9M | ||
| Q2 25 | $894.1M | $274.2M | ||
| Q1 25 | $870.9M | $265.7M | ||
| Q4 24 | $846.4M | $260.7M | ||
| Q3 24 | $858.5M | $255.2M | ||
| Q2 24 | $813.6M | $248.6M |
| Q1 26 | — | $609.1M | ||
| Q4 25 | $8.0B | $606.6M | ||
| Q3 25 | $7.8B | $602.7M | ||
| Q2 25 | $7.7B | $596.8M | ||
| Q1 25 | $7.6B | $590.5M | ||
| Q4 24 | $7.5B | $592.0M | ||
| Q3 24 | $7.6B | $590.0M | ||
| Q2 24 | $7.6B | $593.8M |
| Q1 26 | — | — | ||
| Q4 25 | 0.37× | 0.18× | ||
| Q3 25 | — | 0.22× | ||
| Q2 25 | — | 0.25× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | — | 0.27× | ||
| Q3 24 | — | 0.30× | ||
| Q2 24 | — | 0.35× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $130.9M | — |
| Free Cash FlowOCF − Capex | $124.0M | — |
| FCF MarginFCF / Revenue | 140.6% | — |
| Capex IntensityCapex / Revenue | 7.8% | — |
| Cash ConversionOCF / Net Profit | 5.53× | — |
| TTM Free Cash FlowTrailing 4 quarters | $207.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $130.9M | $13.9M | ||
| Q3 25 | $33.0M | $15.3M | ||
| Q2 25 | $7.7M | $14.1M | ||
| Q1 25 | $47.9M | $4.7M | ||
| Q4 24 | $124.4M | $5.6M | ||
| Q3 24 | $33.1M | $13.0M | ||
| Q2 24 | $24.0M | $17.0M |
| Q1 26 | — | — | ||
| Q4 25 | $124.0M | $5.1M | ||
| Q3 25 | $31.9M | $9.9M | ||
| Q2 25 | $6.0M | $9.1M | ||
| Q1 25 | $46.0M | $1.3M | ||
| Q4 24 | $119.5M | $1.1M | ||
| Q3 24 | $32.0M | $9.1M | ||
| Q2 24 | $22.9M | $10.4M |
| Q1 26 | — | — | ||
| Q4 25 | 140.6% | 4.1% | ||
| Q3 25 | 35.8% | 8.2% | ||
| Q2 25 | 6.8% | 7.2% | ||
| Q1 25 | 54.5% | 1.1% | ||
| Q4 24 | 140.0% | 1.0% | ||
| Q3 24 | 39.7% | 7.6% | ||
| Q2 24 | 28.9% | 8.5% |
| Q1 26 | — | — | ||
| Q4 25 | 7.8% | 7.1% | ||
| Q3 25 | 1.2% | 4.4% | ||
| Q2 25 | 2.0% | 4.0% | ||
| Q1 25 | 2.3% | 2.8% | ||
| Q4 24 | 5.8% | 3.9% | ||
| Q3 24 | 1.4% | 3.2% | ||
| Q2 24 | 1.4% | 5.3% |
| Q1 26 | — | — | ||
| Q4 25 | 5.53× | 2.13× | ||
| Q3 25 | 1.47× | 2.08× | ||
| Q2 25 | 0.33× | 1.99× | ||
| Q1 25 | 2.16× | 0.86× | ||
| Q4 24 | 6.49× | 0.95× | ||
| Q3 24 | 1.70× | 2.11× | ||
| Q2 24 | 1.21× | 2.22× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
