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Side-by-side financial comparison of El Pollo Loco Holdings, Inc. (LOCO) and Merchants Bancorp (MBIN). Click either name above to swap in a different company.
Merchants Bancorp is the larger business by last-quarter revenue ($175.2M vs $126.2M, roughly 1.4× El Pollo Loco Holdings, Inc.). Merchants Bancorp runs the higher net margin — 38.6% vs 6.5%, a 32.2% gap on every dollar of revenue. Over the past eight quarters, Merchants Bancorp's revenue compounded faster (4.8% CAGR vs 1.6%).
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.
Ameris Bancorp is an American bank holding company headquartered in Atlanta, Georgia. Through its bank subsidiary, Ameris Bank, the company operates full-service branches in Georgia, Alabama, Florida, North Carolina and South Carolina, and mortgage-only locations in Georgia, Alabama, Florida, North Carolina, South Carolina, Virginia, Maryland, and Tennessee. The company offers online and mobile banking options for both consumers and businesses.
LOCO vs MBIN — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $126.2M | $175.2M |
| Net Profit | $8.2M | $67.7M |
| Gross Margin | — | — |
| Operating Margin | 9.7% | — |
| Net Margin | 6.5% | 38.6% |
| Revenue YoY | 5.9% | — |
| Net Profit YoY | 48.8% | 16.3% |
| EPS (diluted) | $0.27 | $1.25 |
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 | $175.2M | ||
| Q4 25 | $123.5M | $185.3M | ||
| Q3 25 | $121.5M | $171.1M | ||
| Q2 25 | $125.8M | $179.2M | ||
| Q1 25 | $119.2M | $145.9M | ||
| Q4 24 | $114.3M | $193.8M | ||
| Q3 24 | $120.4M | $149.6M | ||
| Q2 24 | $122.2M | $159.5M |
| Q1 26 | $8.2M | $67.7M | ||
| Q4 25 | $6.5M | — | ||
| Q3 25 | $7.4M | $54.7M | ||
| Q2 25 | $7.1M | $38.0M | ||
| Q1 25 | $5.5M | $58.2M | ||
| Q4 24 | $6.0M | — | ||
| Q3 24 | $6.2M | $61.3M | ||
| Q2 24 | $7.6M | $76.4M |
| Q1 26 | 9.7% | — | ||
| Q4 25 | 8.3% | 39.9% | ||
| Q3 25 | 9.4% | 37.8% | ||
| Q2 25 | 9.0% | 27.3% | ||
| Q1 25 | 7.5% | 52.4% | ||
| Q4 24 | 7.9% | 66.0% | ||
| Q3 24 | 8.4% | 54.4% | ||
| Q2 24 | 10.1% | 62.2% |
| Q1 26 | 6.5% | 38.6% | ||
| Q4 25 | 5.3% | — | ||
| Q3 25 | 6.1% | 32.0% | ||
| Q2 25 | 5.6% | 21.2% | ||
| Q1 25 | 4.6% | 39.9% | ||
| Q4 24 | 5.2% | — | ||
| Q3 24 | 5.1% | 41.0% | ||
| Q2 24 | 6.2% | 47.9% |
| Q1 26 | $0.27 | $1.25 | ||
| Q4 25 | $0.22 | $1.28 | ||
| Q3 25 | $0.25 | $0.97 | ||
| Q2 25 | $0.24 | $0.60 | ||
| Q1 25 | $0.19 | $0.93 | ||
| Q4 24 | $0.21 | $1.84 | ||
| Q3 24 | $0.21 | $1.17 | ||
| Q2 24 | $0.25 | $1.49 |
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 | $83.2M |
| Total DebtLower is stronger | — | $32.0M |
| Stockholders' EquityBook value | $302.5M | $2.3B |
| Total Assets | $609.1M | $20.3B |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $3.9M | $83.2M | ||
| 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 | — | $32.0M | ||
| 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 | $302.5M | $2.3B | ||
| Q4 25 | $291.1M | $2.3B | ||
| Q3 25 | $282.9M | $2.2B | ||
| Q2 25 | $274.2M | $2.2B | ||
| Q1 25 | $265.7M | $2.2B | ||
| Q4 24 | $260.7M | $2.2B | ||
| Q3 24 | $255.2M | $1.9B | ||
| Q2 24 | $248.6M | $1.9B |
| Q1 26 | $609.1M | $20.3B | ||
| Q4 25 | $606.6M | $19.4B | ||
| Q3 25 | $602.7M | $19.4B | ||
| Q2 25 | $596.8M | $19.1B | ||
| Q1 25 | $590.5M | $18.8B | ||
| Q4 24 | $592.0M | $18.8B | ||
| Q3 24 | $590.0M | $18.7B | ||
| Q2 24 | $593.8M | $18.2B |
| Q1 26 | — | 0.01× | ||
| 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× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LOCO
Segment breakdown not available.
MBIN
| Net Interest Income | $128.6M | 73% |
| Noninterest Income | $46.6M | 27% |
