COBS Bread vs THE HUMAN BEAN
Franchise Comparison 2026
Both COBS Bread and THE HUMAN BEAN are quick-service restaurants franchises. COBS Bread requires an investment of $934K – $1.3M while THE HUMAN BEAN requires $672K – $1.5M. THE HUMAN BEAN discloses average revenue of $814K; COBS Bread does not report Item 19 data. THE HUMAN BEAN has SBA lending data on file with a 35.7% charge-off rate. FranchiseVerdict rates COBS Bread D (Below average) and THE HUMAN BEAN C (Average).
| Metric | COBS Bread | THE HUMAN BEAN |
|---|---|---|
| Verdict Grade | DBelow averageBelow average | CAverageAverage |
| Investment Range | $934K – $1.3M | $672K – $1.5M |
| Franchise Fee | $25K | $35K |
| Royalty Rate | 7.0% | Franchisor charges no royalty fee; revenue is derived from required product/equipment purchases and supplier rebates (see Item 8). |
| Average Revenue (Item 19) | N/A | $814K |
| SBA Charge-Off Rate | N/A | 35.7% (51 loans) |
| Total Units | 194 | 177 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 2014 | 2002 |
| FDD Year | 2025 | 2026 |
Investment Range
$934K – $1.3M
$672K – $1.5M
Franchise Fee
$25K
$35K
Royalty Rate
7.0%
Franchisor charges no royalty fee; revenue is derived from required product/equipment purchases and supplier rebates (see Item 8).
Average Revenue (Item 19)
N/A
$814K
SBA Charge-Off Rate
N/A
35.7% (51 loans)
Total Units
194
177
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
2014
2002
FDD Year
2025
2026