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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) 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 $72.9M, roughly 1.2× CENTRAL PACIFIC FINANCIAL CORP). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs -3.2%, a 31.6% gap on every dollar of revenue. On growth, CENTRAL PACIFIC FINANCIAL CORP posted the faster year-over-year revenue change (6.0% vs -14.9%). Over the past eight quarters, iQSTEL Inc's revenue compounded faster (28.0% CAGR vs 6.7%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
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.
CPF vs IQST — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $72.9M | $84.2M |
| Net Profit | $20.7M | $-2.7M |
| Gross Margin | — | 3.5% |
| Operating Margin | — | -2.9% |
| Net Margin | 28.4% | -3.2% |
| Revenue YoY | 6.0% | -14.9% |
| Net Profit YoY | 16.7% | -44.5% |
| EPS (diluted) | $0.78 | $-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 | $72.9M | — | ||
| Q4 25 | $76.3M | $84.2M | ||
| Q3 25 | $74.8M | $102.9M | ||
| Q2 25 | $72.8M | $72.2M | ||
| Q1 25 | $68.8M | $57.6M | ||
| Q4 24 | $58.4M | $98.9M | ||
| Q3 24 | $66.6M | $54.2M | ||
| Q2 24 | $64.0M | $78.6M |
| Q1 26 | $20.7M | — | ||
| Q4 25 | $22.9M | $-2.7M | ||
| Q3 25 | $18.6M | $-2.3M | ||
| Q2 25 | $18.3M | $-2.3M | ||
| Q1 25 | $17.8M | $-1.1M | ||
| Q4 24 | $11.3M | $-1.9M | ||
| Q3 24 | $13.3M | $-773.0K | ||
| Q2 24 | $15.8M | $-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 | 37.0% | -2.9% | ||
| Q3 25 | 31.6% | -0.5% | ||
| Q2 25 | 32.8% | -0.9% | ||
| Q1 25 | 32.8% | -1.0% | ||
| Q4 24 | 23.0% | -0.3% | ||
| Q3 24 | 25.6% | -0.1% | ||
| Q2 24 | 32.2% | -0.4% |
| Q1 26 | 28.4% | — | ||
| Q4 25 | 30.0% | -3.2% | ||
| Q3 25 | 24.8% | -2.3% | ||
| Q2 25 | 25.1% | -3.3% | ||
| Q1 25 | 25.8% | -2.0% | ||
| Q4 24 | 19.4% | -1.9% | ||
| Q3 24 | 20.0% | -1.4% | ||
| Q2 24 | 24.7% | -2.5% |
| Q1 26 | $0.78 | — | ||
| Q4 25 | $0.85 | $-0.92 | ||
| Q3 25 | $0.69 | $-0.68 | ||
| Q2 25 | $0.67 | $-0.82 | ||
| Q1 25 | $0.65 | $-0.44 | ||
| Q4 24 | $0.42 | $-1.19 | ||
| Q3 24 | $0.49 | $-0.40 | ||
| Q2 24 | $0.58 | $-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 | $76.5M | $4.1M |
| Stockholders' EquityBook value | $593.9M | $16.3M |
| Total Assets | $7.5B | $51.1M |
| Debt / EquityLower = less leverage | 0.13× | 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 | $76.5M | — | ||
| Q4 25 | $76.5M | $4.1M | ||
| Q3 25 | $131.5M | $2.7M | ||
| Q2 25 | $131.5M | $4.5M | ||
| Q1 25 | $131.4M | $3.5M | ||
| Q4 24 | $156.3M | $2.5M | ||
| Q3 24 | $156.3M | $3.2M | ||
| Q2 24 | $156.2M | $2.5M |
| Q1 26 | $593.9M | — | ||
| Q4 25 | $592.6M | $16.3M | ||
| Q3 25 | $588.1M | $17.9M | ||
| Q2 25 | $568.9M | $14.3M | ||
| Q1 25 | $557.4M | $11.6M | ||
| Q4 24 | $538.4M | $11.9M | ||
| Q3 24 | $543.7M | $8.1M | ||
| Q2 24 | $518.6M | $7.6M |
| Q1 26 | $7.5B | — | ||
| Q4 25 | $7.4B | $51.1M | ||
| Q3 25 | $7.4B | $46.9M | ||
| Q2 25 | $7.4B | $51.4M | ||
| Q1 25 | $7.4B | $42.0M | ||
| Q4 24 | $7.5B | $79.0M | ||
| Q3 24 | $7.4B | $32.4M | ||
| Q2 24 | $7.4B | $30.0M |
| Q1 26 | 0.13× | — | ||
| Q4 25 | 0.13× | 0.25× | ||
| Q3 25 | 0.22× | 0.15× | ||
| Q2 25 | 0.23× | 0.31× | ||
| Q1 25 | 0.24× | 0.31× | ||
| Q4 24 | 0.29× | 0.21× | ||
| Q3 24 | 0.29× | 0.40× | ||
| Q2 24 | 0.30× | 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 | $97.5M | $-1.2M | ||
| Q3 25 | $22.2M | $-953.0K | ||
| Q2 25 | $34.3M | $257.7K | ||
| Q1 25 | $20.4M | $-1.9M | ||
| Q4 24 | $90.5M | $-403.7K | ||
| Q3 24 | $21.3M | $625.0K | ||
| Q2 24 | $25.9M | $-2.6M |
| Q1 26 | — | — | ||
| Q4 25 | $92.3M | $-1.2M | ||
| Q3 25 | $21.4M | $-969.2K | ||
| Q2 25 | $32.3M | $211.7K | ||
| Q1 25 | $19.6M | $-2.0M | ||
| Q4 24 | $75.4M | $-421.3K | ||
| Q3 24 | $15.6M | $594.5K | ||
| Q2 24 | $21.3M | $-2.6M |
| Q1 26 | — | — | ||
| Q4 25 | 121.0% | -1.5% | ||
| Q3 25 | 28.6% | -0.9% | ||
| Q2 25 | 44.3% | 0.3% | ||
| Q1 25 | 28.4% | -3.4% | ||
| Q4 24 | 129.2% | -0.4% | ||
| Q3 24 | 23.5% | 1.1% | ||
| Q2 24 | 33.2% | -3.4% |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 0.0% | ||
| Q3 25 | 1.2% | 0.0% | ||
| Q2 25 | 2.7% | 0.1% | ||
| Q1 25 | 1.3% | 0.1% | ||
| Q4 24 | 25.8% | 0.0% | ||
| Q3 24 | 8.5% | 0.1% | ||
| Q2 24 | 7.3% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.26× | — | ||
| Q3 25 | 1.20× | — | ||
| Q2 25 | 1.88× | — | ||
| Q1 25 | 1.15× | — | ||
| Q4 24 | 7.98× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.64× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CPF
Segment breakdown not available.
IQST
| USA | $53.2M | 63% |
| Other | $29.9M | 35% |
| Switzerland | $1.1M | 1% |
