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Side-by-side financial comparison of El Pollo Loco Holdings, Inc. (LOCO) and MID PENN BANCORP INC (MPB). 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 $62.0M, roughly 2.0× MID PENN BANCORP INC). MID PENN BANCORP INC runs the higher net margin — 31.4% vs 5.3%, a 26.1% gap on every dollar of revenue. On growth, MID PENN BANCORP INC posted the faster year-over-year revenue change (30.8% vs 8.1%). MID PENN BANCORP INC produced more free cash flow last quarter ($71.8M vs $5.1M). Over the past eight quarters, MID PENN BANCORP INC's revenue compounded faster (21.1% CAGR vs 3.1%).
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.
Commerce Bancorp was a Cherry Hill, New Jersey–based bank created in 1973. In 2007, it was purchased by Toronto-Dominion Bank, which merged Commerce into TD Banknorth, the latter of which was rebranded to TD Bank.
LOCO vs MPB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $123.5M | $62.0M |
| Net Profit | $6.5M | $19.4M |
| Gross Margin | — | — |
| Operating Margin | 8.3% | 43.6% |
| Net Margin | 5.3% | 31.4% |
| Revenue YoY | 8.1% | 30.8% |
| Net Profit YoY | 9.9% | 47.0% |
| EPS (diluted) | $0.22 | $0.83 |
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.
| Q4 25 | $123.5M | $62.0M | ||
| Q3 25 | $121.5M | $61.8M | ||
| Q2 25 | $125.8M | $54.3M | ||
| Q1 25 | $119.2M | $47.7M | ||
| Q4 24 | $114.3M | $47.4M | ||
| Q3 24 | $120.4M | $45.3M | ||
| Q2 24 | $122.2M | $44.1M | ||
| Q1 24 | $116.2M | $42.3M |
| Q4 25 | $6.5M | $19.4M | ||
| Q3 25 | $7.4M | $18.3M | ||
| Q2 25 | $7.1M | $4.8M | ||
| Q1 25 | $5.5M | $13.7M | ||
| Q4 24 | $6.0M | $13.2M | ||
| Q3 24 | $6.2M | $12.3M | ||
| Q2 24 | $7.6M | $11.8M | ||
| Q1 24 | $5.9M | $12.1M |
| Q4 25 | 8.3% | 43.6% | ||
| Q3 25 | 9.4% | 39.3% | ||
| Q2 25 | 9.0% | 7.9% | ||
| Q1 25 | 7.5% | 35.2% | ||
| Q4 24 | 7.9% | 34.1% | ||
| Q3 24 | 8.4% | 32.8% | ||
| Q2 24 | 10.1% | 32.4% | ||
| Q1 24 | 8.3% | 34.8% |
| Q4 25 | 5.3% | 31.4% | ||
| Q3 25 | 6.1% | 29.6% | ||
| Q2 25 | 5.6% | 8.8% | ||
| Q1 25 | 4.6% | 28.8% | ||
| Q4 24 | 5.2% | 27.9% | ||
| Q3 24 | 5.1% | 27.1% | ||
| Q2 24 | 6.2% | 26.7% | ||
| Q1 24 | 5.1% | 28.7% |
| Q4 25 | $0.22 | $0.83 | ||
| Q3 25 | $0.25 | $0.79 | ||
| Q2 25 | $0.24 | $0.22 | ||
| Q1 25 | $0.19 | $0.71 | ||
| Q4 24 | $0.21 | $0.72 | ||
| Q3 24 | $0.21 | $0.74 | ||
| Q2 24 | $0.25 | $0.71 | ||
| Q1 24 | $0.19 | $0.73 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $6.2M | — |
| Total DebtLower is stronger | $51.0M | — |
| Stockholders' EquityBook value | $291.1M | $814.1M |
| Total Assets | $606.6M | $6.1B |
| Debt / EquityLower = less leverage | 0.18× | — |
8-quarter trend — quarters aligned by calendar period.
| 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 24 | $9.1M | — |
| 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 24 | $80.0M | — |
| Q4 25 | $291.1M | $814.1M | ||
| Q3 25 | $282.9M | $796.3M | ||
| Q2 25 | $274.2M | $775.7M | ||
| Q1 25 | $265.7M | $667.9M | ||
| Q4 24 | $260.7M | $655.0M | ||
| Q3 24 | $255.2M | $573.1M | ||
| Q2 24 | $248.6M | $559.7M | ||
| Q1 24 | $256.3M | $551.0M |
| Q4 25 | $606.6M | $6.1B | ||
| Q3 25 | $602.7M | $6.3B | ||
| Q2 25 | $596.8M | $6.4B | ||
| Q1 25 | $590.5M | $5.5B | ||
| Q4 24 | $592.0M | $5.5B | ||
| Q3 24 | $590.0M | $5.5B | ||
| Q2 24 | $593.8M | $5.4B | ||
| Q1 24 | $598.0M | $5.3B |
| 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× | — | ||
| Q1 24 | 0.31× | — |
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 | $80.0M |
| Free Cash FlowOCF − Capex | $5.1M | $71.8M |
| FCF MarginFCF / Revenue | 4.1% | 115.8% |
| Capex IntensityCapex / Revenue | 7.1% | 13.3% |
| Cash ConversionOCF / Net Profit | 2.13× | 4.12× |
| TTM Free Cash FlowTrailing 4 quarters | $25.4M | $132.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $13.9M | $80.0M | ||
| Q3 25 | $15.3M | $26.3M | ||
| Q2 25 | $14.1M | $29.0M | ||
| Q1 25 | $4.7M | $11.5M | ||
| Q4 24 | $5.6M | $51.4M | ||
| Q3 24 | $13.0M | $16.9M | ||
| Q2 24 | $17.0M | $18.0M | ||
| Q1 24 | $11.2M | $12.4M |
| Q4 25 | $5.1M | $71.8M | ||
| Q3 25 | $9.9M | $24.3M | ||
| Q2 25 | $9.1M | $27.2M | ||
| Q1 25 | $1.3M | $8.8M | ||
| Q4 24 | $1.1M | $44.5M | ||
| Q3 24 | $9.1M | $16.8M | ||
| Q2 24 | $10.4M | $17.7M | ||
| Q1 24 | $7.0M | $12.1M |
| Q4 25 | 4.1% | 115.8% | ||
| Q3 25 | 8.2% | 39.4% | ||
| Q2 25 | 7.2% | 50.1% | ||
| Q1 25 | 1.1% | 18.4% | ||
| Q4 24 | 1.0% | 93.8% | ||
| Q3 24 | 7.6% | 37.1% | ||
| Q2 24 | 8.5% | 40.2% | ||
| Q1 24 | 6.0% | 28.5% |
| Q4 25 | 7.1% | 13.3% | ||
| Q3 25 | 4.4% | 3.1% | ||
| Q2 25 | 4.0% | 3.2% | ||
| Q1 25 | 2.8% | 5.7% | ||
| Q4 24 | 3.9% | 14.6% | ||
| Q3 24 | 3.2% | 0.0% | ||
| Q2 24 | 5.3% | 0.7% | ||
| Q1 24 | 3.6% | 0.8% |
| Q4 25 | 2.13× | 4.12× | ||
| Q3 25 | 2.08× | 1.44× | ||
| Q2 25 | 1.99× | 6.08× | ||
| Q1 25 | 0.86× | 0.84× | ||
| Q4 24 | 0.95× | 3.88× | ||
| Q3 24 | 2.11× | 1.37× | ||
| Q2 24 | 2.22× | 1.53× | ||
| Q1 24 | 1.89× | 1.02× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LOCO
| Services | $102.4M | 83% |
| Franchise | $13.0M | 11% |
| Franchise Advertising Fee | $8.1M | 7% |
MPB
Segment breakdown not available.
