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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) 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 $47.3M, roughly 1.8× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -3.2%, a 34.9% gap on every dollar of revenue. Over the past eight quarters, iQSTEL Inc's revenue compounded faster (28.0% CAGR vs 11.3%).
Civista Bancshares, Inc. is a US-based bank holding company operating primarily across the Midwest region. It provides a full suite of personal and commercial banking services including deposit accounts, mortgage, consumer and commercial lending products, as well as wealth management solutions, serving retail consumers, small and medium-sized local businesses and community client segments.
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.
CIVB vs IQST — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $84.2M |
| Net Profit | $15.0M | $-2.7M |
| Gross Margin | — | 3.5% |
| Operating Margin | — | -2.9% |
| Net Margin | 31.7% | -3.2% |
| Revenue YoY | — | -14.9% |
| Net Profit YoY | 47.4% | -44.5% |
| EPS (diluted) | $0.72 | $-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.
| Q1 26 | $47.3M | — | ||
| Q4 25 | $46.3M | $84.2M | ||
| Q3 25 | $44.2M | $102.9M | ||
| Q2 25 | $41.4M | $72.2M | ||
| Q1 25 | $40.6M | $57.6M | ||
| Q4 24 | $40.4M | $98.9M | ||
| Q3 24 | $39.3M | $54.2M | ||
| Q2 24 | $38.1M | $78.6M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-2.7M | ||
| Q3 25 | $12.8M | $-2.3M | ||
| Q2 25 | $11.0M | $-2.3M | ||
| Q1 25 | $10.2M | $-1.1M | ||
| Q4 24 | — | $-1.9M | ||
| Q3 24 | $8.4M | $-773.0K | ||
| Q2 24 | $7.1M | $-2.0M |
| Q1 26 | — | — | ||
| 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 26 | — | — | ||
| Q4 25 | 31.8% | -2.9% | ||
| Q3 25 | 35.4% | -0.5% | ||
| Q2 25 | 31.1% | -0.9% | ||
| Q1 25 | 29.4% | -1.0% | ||
| Q4 24 | 28.2% | -0.3% | ||
| Q3 24 | 25.2% | -0.1% | ||
| Q2 24 | 21.2% | -0.4% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -3.2% | ||
| Q3 25 | 28.9% | -2.3% | ||
| Q2 25 | 26.6% | -3.3% | ||
| Q1 25 | 25.0% | -2.0% | ||
| Q4 24 | — | -1.9% | ||
| Q3 24 | 21.3% | -1.4% | ||
| Q2 24 | 18.5% | -2.5% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-0.92 | ||
| Q3 25 | $0.68 | $-0.68 | ||
| Q2 25 | $0.71 | $-0.82 | ||
| Q1 25 | $0.66 | $-0.44 | ||
| Q4 24 | $0.62 | $-1.19 | ||
| Q3 24 | $0.53 | $-0.40 | ||
| Q2 24 | $0.45 | $-0.90 |
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 | $553.9M | $16.3M |
| Total Assets | $4.3B | $51.1M |
| Debt / EquityLower = less leverage | — | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| 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 26 | — | — | ||
| 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 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $16.3M | ||
| Q3 25 | $499.0M | $17.9M | ||
| Q2 25 | $404.1M | $14.3M | ||
| Q1 25 | $397.4M | $11.6M | ||
| Q4 24 | $388.5M | $11.9M | ||
| Q3 24 | $394.4M | $8.1M | ||
| Q2 24 | $373.8M | $7.6M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $51.1M | ||
| Q3 25 | $4.1B | $46.9M | ||
| Q2 25 | $4.2B | $51.4M | ||
| Q1 25 | $4.1B | $42.0M | ||
| Q4 24 | $4.1B | $79.0M | ||
| Q3 24 | $4.1B | $32.4M | ||
| Q2 24 | $4.0B | $30.0M |
| Q1 26 | — | — | ||
| 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× |
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 | — | $-1.2M |
| Free Cash FlowOCF − Capex | — | $-1.2M |
| FCF MarginFCF / Revenue | — | -1.5% |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-4.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $-1.2M | ||
| Q3 25 | $19.0M | $-953.0K | ||
| Q2 25 | $11.1M | $257.7K | ||
| Q1 25 | $3.6M | $-1.9M | ||
| Q4 24 | $48.2M | $-403.7K | ||
| Q3 24 | $12.9M | $625.0K | ||
| Q2 24 | $12.2M | $-2.6M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $-1.2M | ||
| Q3 25 | — | $-969.2K | ||
| Q2 25 | — | $211.7K | ||
| Q1 25 | $3.5M | $-2.0M | ||
| Q4 24 | $44.1M | $-421.3K | ||
| Q3 24 | — | $594.5K | ||
| Q2 24 | — | $-2.6M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | -1.5% | ||
| Q3 25 | — | -0.9% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | 8.5% | -3.4% | ||
| Q4 24 | 109.1% | -0.4% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | -3.4% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | 0.4% | 0.1% | ||
| Q4 24 | 10.4% | 0.0% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 0.36× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.54× | — | ||
| Q2 24 | 1.73× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CIVB
| Net Interest Income | $37.8M | 80% |
| Noninterest Income | $9.4M | 20% |
IQST
| USA | $53.2M | 63% |
| Other | $29.9M | 35% |
| Switzerland | $1.1M | 1% |
