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Side-by-side financial comparison of FIRSTSUN CAPITAL BANCORP (FSUN) 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 ($123.5M vs $110.0M, roughly 1.1× FIRSTSUN CAPITAL BANCORP). FIRSTSUN CAPITAL BANCORP runs the higher net margin — 19.6% vs 5.3%, a 14.3% gap on every dollar of revenue. Over the past eight quarters, FIRSTSUN CAPITAL BANCORP's revenue compounded faster (6.9% CAGR vs 3.1%).
FirstSun Capital Bancorp is a U.S.-headquartered financial holding company that offers a comprehensive range of banking and financial services, including commercial and consumer lending, deposit products, wealth management, and treasury solutions. It mainly serves individual customers, small and medium-sized enterprises, and corporate clients across U.S. regional markets.
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.
FSUN vs LOCO — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $110.0M | $123.5M |
| Net Profit | $21.6M | $6.5M |
| Gross Margin | — | — |
| Operating Margin | — | 8.3% |
| Net Margin | 19.6% | 5.3% |
| Revenue YoY | — | 8.1% |
| Net Profit YoY | -8.4% | 9.9% |
| EPS (diluted) | $0.76 | $0.22 |
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 | $110.0M | — | ||
| Q4 25 | $110.2M | $123.5M | ||
| Q3 25 | $107.3M | $121.5M | ||
| Q2 25 | $105.6M | $125.8M | ||
| Q1 25 | $96.2M | $119.2M | ||
| Q4 24 | $98.7M | $114.3M | ||
| Q3 24 | $98.2M | $120.4M | ||
| Q2 24 | $96.2M | $122.2M |
| Q1 26 | $21.6M | — | ||
| Q4 25 | $24.8M | $6.5M | ||
| Q3 25 | $23.2M | $7.4M | ||
| Q2 25 | $26.4M | $7.1M | ||
| Q1 25 | $23.6M | $5.5M | ||
| Q4 24 | $16.4M | $6.0M | ||
| Q3 24 | $22.4M | $6.2M | ||
| Q2 24 | $24.6M | $7.6M |
| Q1 26 | — | — | ||
| Q4 25 | 29.0% | 8.3% | ||
| Q3 25 | 26.4% | 9.4% | ||
| Q2 25 | 31.2% | 9.0% | ||
| Q1 25 | 30.9% | 7.5% | ||
| Q4 24 | 20.4% | 7.9% | ||
| Q3 24 | 29.1% | 8.4% | ||
| Q2 24 | 32.3% | 10.1% |
| Q1 26 | 19.6% | — | ||
| Q4 25 | 22.5% | 5.3% | ||
| Q3 25 | 21.6% | 6.1% | ||
| Q2 25 | 25.0% | 5.6% | ||
| Q1 25 | 24.5% | 4.6% | ||
| Q4 24 | 16.6% | 5.2% | ||
| Q3 24 | 22.8% | 5.1% | ||
| Q2 24 | 25.5% | 6.2% |
| Q1 26 | $0.76 | — | ||
| Q4 25 | $0.89 | $0.22 | ||
| Q3 25 | $0.82 | $0.25 | ||
| Q2 25 | $0.93 | $0.24 | ||
| Q1 25 | $0.83 | $0.19 | ||
| Q4 24 | $0.57 | $0.21 | ||
| Q3 24 | $0.79 | $0.21 | ||
| Q2 24 | $0.88 | $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 | $413.7M | $6.2M |
| Total DebtLower is stronger | — | $51.0M |
| Stockholders' EquityBook value | $1.2B | $291.1M |
| Total Assets | $8.6B | $606.6M |
| Debt / EquityLower = less leverage | — | 0.18× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $413.7M | — | ||
| Q4 25 | $652.6M | $6.2M | ||
| Q3 25 | $659.9M | $10.9M | ||
| Q2 25 | $785.1M | $9.0M | ||
| Q1 25 | $621.4M | $4.3M | ||
| Q4 24 | $615.9M | $2.5M | ||
| Q3 24 | $573.7M | $7.9M | ||
| Q2 24 | $535.8M | $10.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $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 | $1.2B | — | ||
| Q4 25 | $1.2B | $291.1M | ||
| Q3 25 | $1.1B | $282.9M | ||
| Q2 25 | $1.1B | $274.2M | ||
| Q1 25 | $1.1B | $265.7M | ||
| Q4 24 | $1.0B | $260.7M | ||
| Q3 24 | $1.0B | $255.2M | ||
| Q2 24 | $996.6M | $248.6M |
| Q1 26 | $8.6B | — | ||
| Q4 25 | $8.5B | $606.6M | ||
| Q3 25 | $8.5B | $602.7M | ||
| Q2 25 | $8.4B | $596.8M | ||
| Q1 25 | $8.2B | $590.5M | ||
| Q4 24 | $8.1B | $592.0M | ||
| Q3 24 | $8.1B | $590.0M | ||
| Q2 24 | $8.0B | $593.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 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 | — | $13.9M |
| Free Cash FlowOCF − Capex | — | $5.1M |
| FCF MarginFCF / Revenue | — | 4.1% |
| Capex IntensityCapex / Revenue | — | 7.1% |
| Cash ConversionOCF / Net Profit | — | 2.13× |
| TTM Free Cash FlowTrailing 4 quarters | — | $25.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $111.5M | $13.9M | ||
| Q3 25 | $49.4M | $15.3M | ||
| Q2 25 | $15.0M | $14.1M | ||
| Q1 25 | $26.4M | $4.7M | ||
| Q4 24 | $101.1M | $5.6M | ||
| Q3 24 | $48.1M | $13.0M | ||
| Q2 24 | $20.9M | $17.0M |
| Q1 26 | — | — | ||
| Q4 25 | $104.0M | $5.1M | ||
| Q3 25 | $47.6M | $9.9M | ||
| Q2 25 | $13.0M | $9.1M | ||
| Q1 25 | $24.3M | $1.3M | ||
| Q4 24 | $95.7M | $1.1M | ||
| Q3 24 | $47.1M | $9.1M | ||
| Q2 24 | $19.9M | $10.4M |
| Q1 26 | — | — | ||
| Q4 25 | 94.3% | 4.1% | ||
| Q3 25 | 44.4% | 8.2% | ||
| Q2 25 | 12.3% | 7.2% | ||
| Q1 25 | 25.3% | 1.1% | ||
| Q4 24 | 97.0% | 1.0% | ||
| Q3 24 | 47.9% | 7.6% | ||
| Q2 24 | 20.6% | 8.5% |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 7.1% | ||
| Q3 25 | 1.6% | 4.4% | ||
| Q2 25 | 1.9% | 4.0% | ||
| Q1 25 | 2.1% | 2.8% | ||
| Q4 24 | 5.5% | 3.9% | ||
| Q3 24 | 1.1% | 3.2% | ||
| Q2 24 | 1.1% | 5.3% |
| Q1 26 | — | — | ||
| Q4 25 | 4.49× | 2.13× | ||
| Q3 25 | 2.13× | 2.08× | ||
| Q2 25 | 0.57× | 1.99× | ||
| Q1 25 | 1.12× | 0.86× | ||
| Q4 24 | 6.18× | 0.95× | ||
| Q3 24 | 2.15× | 2.11× | ||
| Q2 24 | 0.85× | 2.22× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FSUN
| Net Interest Income | $82.8M | 75% |
| Noninterest Income | $27.2M | 25% |
LOCO
| Services | $102.4M | 83% |
| Franchise | $13.0M | 11% |
| Franchise Advertising Fee | $8.1M | 7% |
