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Side-by-side financial comparison of Burke & Herbert Financial Services Corp. (BHRB) and iQSTEL Inc (IQST). Click either name above to swap in a different company.
Burke & Herbert Financial Services Corp. is the larger business by last-quarter revenue ($86.5M vs $84.2M, roughly 1.0× iQSTEL Inc). Burke & Herbert Financial Services Corp. runs the higher net margin — 34.9% vs -3.2%, a 38.1% gap on every dollar of revenue. On growth, Burke & Herbert Financial Services Corp. posted the faster year-over-year revenue change (4.9% vs -14.9%). Burke & Herbert Financial Services Corp. produced more free cash flow last quarter ($96.2M vs $-1.2M). Over the past eight quarters, Burke & Herbert Financial Services Corp.'s revenue compounded faster (81.1% CAGR vs 28.0%).
Burke & Herbert Financial Services Corp is a U.S.-based regional financial holding company, offering personal and commercial banking, wealth management, residential mortgage lending, and small business financing services. Its core market covers Virginia and adjacent Mid-Atlantic regions, serving retail consumers, SMEs, and high-net-worth clients.
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.
BHRB vs IQST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $86.5M | $84.2M |
| Net Profit | $30.2M | $-2.7M |
| Gross Margin | — | 3.5% |
| Operating Margin | 43.8% | -2.9% |
| Net Margin | 34.9% | -3.2% |
| Revenue YoY | 4.9% | -14.9% |
| Net Profit YoY | 52.8% | -44.5% |
| EPS (diluted) | $1.98 | $-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 | $86.5M | $84.2M | ||
| Q3 25 | $85.4M | $102.9M | ||
| Q2 25 | $87.1M | $72.2M | ||
| Q1 25 | $83.0M | $57.6M | ||
| Q4 24 | $82.5M | $98.9M | ||
| Q3 24 | $83.8M | $54.2M | ||
| Q2 24 | $69.3M | $78.6M | ||
| Q1 24 | $26.4M | $51.4M |
| Q4 25 | $30.2M | $-2.7M | ||
| Q3 25 | $30.0M | $-2.3M | ||
| Q2 25 | $29.9M | $-2.3M | ||
| Q1 25 | $27.2M | $-1.1M | ||
| Q4 24 | $19.8M | $-1.9M | ||
| Q3 24 | $27.6M | $-773.0K | ||
| Q2 24 | $-16.9M | $-2.0M | ||
| Q1 24 | $5.2M | $-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 | 43.8% | -2.9% | ||
| Q3 25 | 43.3% | -0.5% | ||
| Q2 25 | 42.7% | -0.9% | ||
| Q1 25 | 39.6% | -1.0% | ||
| Q4 24 | 24.6% | -0.3% | ||
| Q3 24 | 39.2% | -0.1% | ||
| Q2 24 | -27.5% | -0.4% | ||
| Q1 24 | 22.3% | -0.4% |
| Q4 25 | 34.9% | -3.2% | ||
| Q3 25 | 35.1% | -2.3% | ||
| Q2 25 | 34.3% | -3.3% | ||
| Q1 25 | 32.8% | -2.0% | ||
| Q4 24 | 24.0% | -1.9% | ||
| Q3 24 | 33.0% | -1.4% | ||
| Q2 24 | -24.4% | -2.5% | ||
| Q1 24 | 19.8% | -1.1% |
| Q4 25 | $1.98 | $-0.92 | ||
| Q3 25 | $1.97 | $-0.68 | ||
| Q2 25 | $1.97 | $-0.82 | ||
| Q1 25 | $1.80 | $-0.44 | ||
| Q4 24 | $1.72 | $-1.19 | ||
| Q3 24 | $1.82 | $-0.40 | ||
| Q2 24 | $-1.41 | $-0.90 | ||
| Q1 24 | $0.69 | $-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 | — | $2.2M |
| Total DebtLower is stronger | — | $4.1M |
| Stockholders' EquityBook value | $854.6M | $16.3M |
| Total Assets | $7.9B | $51.1M |
| Debt / EquityLower = less leverage | — | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $2.2M | ||
| Q3 25 | — | $2.3M | ||
| Q2 25 | — | $2.0M | ||
| Q1 25 | — | $1.1M | ||
| Q4 24 | — | $2.5M | ||
| Q3 24 | — | $2.1M | ||
| Q2 24 | — | $797.2K | ||
| Q1 24 | — | $2.7M |
| Q4 25 | — | $4.1M | ||
| Q3 25 | — | $2.7M | ||
| Q2 25 | — | $4.5M | ||
| Q1 25 | — | $3.5M | ||
| Q4 24 | — | $2.5M | ||
| Q3 24 | — | $3.2M | ||
| Q2 24 | — | $2.5M | ||
| Q1 24 | — | $194.0K |
| Q4 25 | $854.6M | $16.3M | ||
| Q3 25 | $822.2M | $17.9M | ||
| Q2 25 | $780.0M | $14.3M | ||
| Q1 25 | $758.0M | $11.6M | ||
| Q4 24 | $730.2M | $11.9M | ||
| Q3 24 | $738.1M | $8.1M | ||
| Q2 24 | $693.1M | $7.6M | ||
| Q1 24 | $319.3M | $8.4M |
| Q4 25 | $7.9B | $51.1M | ||
| Q3 25 | $7.9B | $46.9M | ||
| Q2 25 | $8.1B | $51.4M | ||
| Q1 25 | $7.8B | $42.0M | ||
| Q4 24 | $7.8B | $79.0M | ||
| Q3 24 | $7.9B | $32.4M | ||
| Q2 24 | $7.8B | $30.0M | ||
| Q1 24 | $3.7B | $22.1M |
| Q4 25 | — | 0.25× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.31× | ||
| Q1 25 | — | 0.31× | ||
| Q4 24 | — | 0.21× | ||
| Q3 24 | — | 0.40× | ||
| Q2 24 | — | 0.34× | ||
| Q1 24 | — | 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 | $107.9M | $-1.2M |
| Free Cash FlowOCF − Capex | $96.2M | $-1.2M |
| FCF MarginFCF / Revenue | 111.2% | -1.5% |
| Capex IntensityCapex / Revenue | 13.5% | 0.0% |
| Cash ConversionOCF / Net Profit | 3.57× | — |
| TTM Free Cash FlowTrailing 4 quarters | $164.1M | $-4.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $107.9M | $-1.2M | ||
| Q3 25 | $39.3M | $-953.0K | ||
| Q2 25 | $41.0K | $257.7K | ||
| Q1 25 | $37.6M | $-1.9M | ||
| Q4 24 | $85.8M | $-403.7K | ||
| Q3 24 | $47.8M | $625.0K | ||
| Q2 24 | $-46.0M | $-2.6M | ||
| Q1 24 | $7.1M | $-536.9K |
| Q4 25 | $96.2M | $-1.2M | ||
| Q3 25 | $35.4M | $-969.2K | ||
| Q2 25 | $-3.4M | $211.7K | ||
| Q1 25 | $35.9M | $-2.0M | ||
| Q4 24 | $81.2M | $-421.3K | ||
| Q3 24 | $46.0M | $594.5K | ||
| Q2 24 | $-47.0M | $-2.6M | ||
| Q1 24 | $5.6M | $-608.5K |
| Q4 25 | 111.2% | -1.5% | ||
| Q3 25 | 41.5% | -0.9% | ||
| Q2 25 | -3.9% | 0.3% | ||
| Q1 25 | 43.2% | -3.4% | ||
| Q4 24 | 98.5% | -0.4% | ||
| Q3 24 | 55.0% | 1.1% | ||
| Q2 24 | -67.8% | -3.4% | ||
| Q1 24 | 21.2% | -1.2% |
| Q4 25 | 13.5% | 0.0% | ||
| Q3 25 | 4.5% | 0.0% | ||
| Q2 25 | 3.9% | 0.1% | ||
| Q1 25 | 2.1% | 0.1% | ||
| Q4 24 | 5.5% | 0.0% | ||
| Q3 24 | 2.1% | 0.1% | ||
| Q2 24 | 1.5% | 0.0% | ||
| Q1 24 | 5.7% | 0.1% |
| Q4 25 | 3.57× | — | ||
| Q3 25 | 1.31× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 1.38× | — | ||
| Q4 24 | 4.33× | — | ||
| Q3 24 | 1.73× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 1.36× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BHRB
Segment breakdown not available.
IQST
| USA | $53.2M | 63% |
| Other | $29.9M | 35% |
| Switzerland | $1.1M | 1% |
