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Side-by-side financial comparison of ACNB CORP (ACNB) and iQSTEL Inc (IQST). Click either name above to swap in a different company.
iQSTEL Inc is the larger business by last-quarter revenue ($84.2M vs $47.2M, roughly 1.8× ACNB CORP). ACNB CORP runs the higher net margin — 22.9% vs -3.2%, a 26.1% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs -14.9%). ACNB CORP produced more free cash flow last quarter ($52.6M vs $-1.2M). Over the past eight quarters, iQSTEL Inc's revenue compounded faster (28.0% CAGR vs 22.1%).
ACNB Corp is a US-based financial holding company headquartered in Pennsylvania. It provides a full suite of financial solutions including retail and commercial banking, wealth management, trust services, and property & casualty insurance products. Its core market covers local communities, individual consumers, and small-to-medium enterprises across south-central Pennsylvania and northern Maryland.
iQSTEL Inc is a technology holding company operating three core segments: telecommunications, Internet of Things (IoT), and fintech. It offers connectivity services, smart IoT monitoring solutions, and digital financial tools, mainly serving small and medium-sized enterprises and retail customers in North and South American markets.
ACNB vs IQST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $84.2M |
| Net Profit | $10.8M | $-2.7M |
| Gross Margin | — | 3.5% |
| Operating Margin | 27.9% | -2.9% |
| Net Margin | 22.9% | -3.2% |
| Revenue YoY | 42.2% | -14.9% |
| Net Profit YoY | 63.8% | -44.5% |
| EPS (diluted) | $1.10 | $-0.92 |
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 | $47.2M | $84.2M | ||
| Q3 25 | $50.9M | $102.9M | ||
| Q2 25 | $50.3M | $72.2M | ||
| Q1 25 | $43.5M | $57.6M | ||
| Q4 24 | $33.2M | $98.9M | ||
| Q3 24 | $34.1M | $54.2M | ||
| Q2 24 | $33.3M | $78.6M | ||
| Q1 24 | $31.6M | $51.4M |
| Q4 25 | $10.8M | $-2.7M | ||
| Q3 25 | $14.9M | $-2.3M | ||
| Q2 25 | $11.6M | $-2.3M | ||
| Q1 25 | $-272.0K | $-1.1M | ||
| Q4 24 | $6.6M | $-1.9M | ||
| Q3 24 | $7.2M | $-773.0K | ||
| Q2 24 | $11.3M | $-2.0M | ||
| Q1 24 | $6.8M | $-580.2K |
| Q4 25 | — | 3.5% | ||
| Q3 25 | — | 2.7% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 3.4% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 3.7% | ||
| Q2 24 | — | 2.8% | ||
| Q1 24 | — | 2.7% |
| Q4 25 | 27.9% | -2.9% | ||
| Q3 25 | 37.2% | -0.5% | ||
| Q2 25 | 29.7% | -0.9% | ||
| Q1 25 | -1.3% | -1.0% | ||
| Q4 24 | 24.8% | -0.3% | ||
| Q3 24 | 27.6% | -0.1% | ||
| Q2 24 | 42.8% | -0.4% | ||
| Q1 24 | 26.9% | -0.4% |
| Q4 25 | 22.9% | -3.2% | ||
| Q3 25 | 29.2% | -2.3% | ||
| Q2 25 | 23.2% | -3.3% | ||
| Q1 25 | -0.6% | -2.0% | ||
| Q4 24 | 19.9% | -1.9% | ||
| Q3 24 | 21.1% | -1.4% | ||
| Q2 24 | 33.9% | -2.5% | ||
| Q1 24 | 21.4% | -1.1% |
| Q4 25 | $1.10 | $-0.92 | ||
| Q3 25 | $1.42 | $-0.68 | ||
| Q2 25 | $1.11 | $-0.82 | ||
| Q1 25 | $-0.03 | $-0.44 | ||
| Q4 24 | $0.77 | $-1.19 | ||
| Q3 24 | $0.84 | $-0.40 | ||
| Q2 24 | $1.32 | $-0.90 | ||
| Q1 24 | $0.80 | $-0.37 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $65.6M | $2.2M |
| Total DebtLower is stronger | $255.4M | $4.1M |
| Stockholders' EquityBook value | $420.0M | $16.3M |
| Total Assets | $3.2B | $51.1M |
| Debt / EquityLower = less leverage | 0.61× | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $2.2M | ||
| Q3 25 | $102.1M | $2.3M | ||
| Q2 25 | $103.1M | $2.0M | ||
| Q1 25 | $123.6M | $1.1M | ||
| Q4 24 | $47.3M | $2.5M | ||
| Q3 24 | $58.1M | $2.1M | ||
| Q2 24 | $86.3M | $797.2K | ||
| Q1 24 | $53.1M | $2.7M |
| Q4 25 | $255.4M | $4.1M | ||
| Q3 25 | $255.4M | $2.7M | ||
| Q2 25 | $255.4M | $4.5M | ||
| Q1 25 | $255.3M | $3.5M | ||
| Q4 24 | $255.3M | $2.5M | ||
| Q3 24 | $255.3M | $3.2M | ||
| Q2 24 | $255.3M | $2.5M | ||
| Q1 24 | $255.3M | $194.0K |
| Q4 25 | $420.0M | $16.3M | ||
| Q3 25 | $408.6M | $17.9M | ||
| Q2 25 | $395.2M | $14.3M | ||
| Q1 25 | $386.9M | $11.6M | ||
| Q4 24 | $303.3M | $11.9M | ||
| Q3 24 | $306.8M | $8.1M | ||
| Q2 24 | $289.3M | $7.6M | ||
| Q1 24 | $279.9M | $8.4M |
| Q4 25 | $3.2B | $51.1M | ||
| Q3 25 | $3.3B | $46.9M | ||
| Q2 25 | $3.3B | $51.4M | ||
| Q1 25 | $3.3B | $42.0M | ||
| Q4 24 | $2.4B | $79.0M | ||
| Q3 24 | $2.4B | $32.4M | ||
| Q2 24 | $2.5B | $30.0M | ||
| Q1 24 | $2.4B | $22.1M |
| Q4 25 | 0.61× | 0.25× | ||
| Q3 25 | 0.62× | 0.15× | ||
| Q2 25 | 0.65× | 0.31× | ||
| Q1 25 | 0.66× | 0.31× | ||
| Q4 24 | 0.84× | 0.21× | ||
| Q3 24 | 0.83× | 0.40× | ||
| Q2 24 | 0.88× | 0.34× | ||
| Q1 24 | 0.91× | 0.02× |
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 | $53.6M | $-1.2M |
| Free Cash FlowOCF − Capex | $52.6M | $-1.2M |
| FCF MarginFCF / Revenue | 111.4% | -1.5% |
| Capex IntensityCapex / Revenue | 2.3% | 0.0% |
| Cash ConversionOCF / Net Profit | 4.96× | — |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | $-4.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.6M | $-1.2M | ||
| Q3 25 | $23.2M | $-953.0K | ||
| Q2 25 | $17.8M | $257.7K | ||
| Q1 25 | $-71.0K | $-1.9M | ||
| Q4 24 | $39.8M | $-403.7K | ||
| Q3 24 | $13.6M | $625.0K | ||
| Q2 24 | $9.7M | $-2.6M | ||
| Q1 24 | $10.8M | $-536.9K |
| Q4 25 | $52.6M | $-1.2M | ||
| Q3 25 | $22.8M | $-969.2K | ||
| Q2 25 | $17.6M | $211.7K | ||
| Q1 25 | $-730.0K | $-2.0M | ||
| Q4 24 | $38.8M | $-421.3K | ||
| Q3 24 | $13.3M | $594.5K | ||
| Q2 24 | $9.4M | $-2.6M | ||
| Q1 24 | $10.7M | $-608.5K |
| Q4 25 | 111.4% | -1.5% | ||
| Q3 25 | 44.7% | -0.9% | ||
| Q2 25 | 35.0% | 0.3% | ||
| Q1 25 | -1.7% | -3.4% | ||
| Q4 24 | 117.0% | -0.4% | ||
| Q3 24 | 39.1% | 1.1% | ||
| Q2 24 | 28.3% | -3.4% | ||
| Q1 24 | 33.9% | -1.2% |
| Q4 25 | 2.3% | 0.0% | ||
| Q3 25 | 0.8% | 0.0% | ||
| Q2 25 | 0.4% | 0.1% | ||
| Q1 25 | 1.5% | 0.1% | ||
| Q4 24 | 2.9% | 0.0% | ||
| Q3 24 | 0.7% | 0.1% | ||
| Q2 24 | 0.9% | 0.0% | ||
| Q1 24 | 0.2% | 0.1% |
| Q4 25 | 4.96× | — | ||
| Q3 25 | 1.56× | — | ||
| Q2 25 | 1.52× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 6.03× | — | ||
| Q3 24 | 1.88× | — | ||
| Q2 24 | 0.86× | — | ||
| Q1 24 | 1.60× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACNB
Segment breakdown not available.
IQST
| USA | $53.2M | 63% |
| Other | $29.9M | 35% |
| Switzerland | $1.1M | 1% |
