THE HUMAN BEAN vs COBS Bread
Franchise Comparison 2026
Both THE HUMAN BEAN and COBS Bread are quick-service restaurants franchises. THE HUMAN BEAN requires an investment of $672K – $1.5M while COBS Bread requires $934K – $1.3M. 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 THE HUMAN BEAN C (Average) and COBS Bread D (Below average).
| Metric | THE HUMAN BEAN | COBS Bread |
|---|---|---|
| Verdict Grade | CAverageAverage | DBelow averageBelow average |
| Investment Range | $672K – $1.5M | $934K – $1.3M |
| Franchise Fee | $35K | $25K |
| Royalty Rate | Franchisor charges no royalty fee; revenue is derived from required product/equipment purchases and supplier rebates (see Item 8). | 7.0% |
| Average Revenue (Item 19) | $814K | N/A |
| SBA Charge-Off Rate | 35.7% (51 loans) | N/A |
| Total Units | 177 | 194 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 2002 | 2014 |
| FDD Year | 2026 | 2025 |
Investment Range
$672K – $1.5M
$934K – $1.3M
Franchise Fee
$35K
$25K
Royalty Rate
Franchisor charges no royalty fee; revenue is derived from required product/equipment purchases and supplier rebates (see Item 8).
7.0%
Average Revenue (Item 19)
$814K
N/A
SBA Charge-Off Rate
35.7% (51 loans)
N/A
Total Units
177
194
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
2002
2014
FDD Year
2026
2025