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Side-by-side financial comparison of FIRST COMMONWEALTH FINANCIAL CORP (FCF) and iQSTEL Inc (IQST). Click either name above to swap in a different company.
FIRST COMMONWEALTH FINANCIAL CORP is the larger business by last-quarter revenue ($133.7M vs $84.2M, roughly 1.6× iQSTEL Inc). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs -3.2%, a 31.3% gap on every dollar of revenue. On growth, FIRST COMMONWEALTH FINANCIAL CORP posted the faster year-over-year revenue change (13.0% vs -14.9%). Over the past eight quarters, iQSTEL Inc's revenue compounded faster (28.0% CAGR vs 5.5%).
First Commonwealth Financial Corp is a Pennsylvania-based regional financial services holding company. It offers consumer and commercial banking products, loans, wealth management, and insurance services for individuals, small and mid-sized enterprises across central and western Pennsylvania and Ohio.
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.
FCF vs IQST — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $133.7M | $84.2M |
| Net Profit | $37.5M | $-2.7M |
| Gross Margin | — | 3.5% |
| Operating Margin | — | -2.9% |
| Net Margin | 28.1% | -3.2% |
| Revenue YoY | 13.0% | -14.9% |
| Net Profit YoY | 14.8% | -44.5% |
| EPS (diluted) | $0.37 | $-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 | $133.7M | — | ||
| Q4 25 | $137.9M | $84.2M | ||
| Q3 25 | $136.0M | $102.9M | ||
| Q2 25 | $131.0M | $72.2M | ||
| Q1 25 | $118.0M | $57.6M | ||
| Q4 24 | $120.4M | $98.9M | ||
| Q3 24 | $121.2M | $54.2M | ||
| Q2 24 | $120.2M | $78.6M |
| Q1 26 | $37.5M | — | ||
| Q4 25 | $44.9M | $-2.7M | ||
| Q3 25 | $41.3M | $-2.3M | ||
| Q2 25 | $33.4M | $-2.3M | ||
| Q1 25 | $32.7M | $-1.1M | ||
| Q4 24 | $35.8M | $-1.9M | ||
| Q3 24 | $32.1M | $-773.0K | ||
| Q2 24 | $37.1M | $-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 | 40.9% | -2.9% | ||
| Q3 25 | 38.1% | -0.5% | ||
| Q2 25 | 32.1% | -0.9% | ||
| Q1 25 | 34.8% | -1.0% | ||
| Q4 24 | 37.1% | -0.3% | ||
| Q3 24 | 33.4% | -0.1% | ||
| Q2 24 | 38.7% | -0.4% |
| Q1 26 | 28.1% | — | ||
| Q4 25 | 32.5% | -3.2% | ||
| Q3 25 | 30.4% | -2.3% | ||
| Q2 25 | 25.5% | -3.3% | ||
| Q1 25 | 27.7% | -2.0% | ||
| Q4 24 | 29.8% | -1.9% | ||
| Q3 24 | 26.5% | -1.4% | ||
| Q2 24 | 30.9% | -2.5% |
| Q1 26 | $0.37 | — | ||
| Q4 25 | $0.44 | $-0.92 | ||
| Q3 25 | $0.39 | $-0.68 | ||
| Q2 25 | $0.32 | $-0.82 | ||
| Q1 25 | $0.32 | $-0.44 | ||
| Q4 24 | $0.35 | $-1.19 | ||
| Q3 24 | $0.31 | $-0.40 | ||
| Q2 24 | $0.36 | $-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 | $154.9M | $4.1M |
| Stockholders' EquityBook value | $1.6B | $16.3M |
| Total Assets | $12.3B | $51.1M |
| Debt / EquityLower = less leverage | 0.10× | 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 | $154.9M | — | ||
| Q4 25 | $261.7M | $4.1M | ||
| Q3 25 | $262.1M | $2.7M | ||
| Q2 25 | $262.4M | $4.5M | ||
| Q1 25 | $262.7M | $3.5M | ||
| Q4 24 | $263.0M | $2.5M | ||
| Q3 24 | $136.3M | $3.2M | ||
| Q2 24 | $136.6M | $2.5M |
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $16.3M | ||
| Q3 25 | $1.5B | $17.9M | ||
| Q2 25 | $1.5B | $14.3M | ||
| Q1 25 | $1.4B | $11.6M | ||
| Q4 24 | $1.4B | $11.9M | ||
| Q3 24 | $1.4B | $8.1M | ||
| Q2 24 | $1.4B | $7.6M |
| Q1 26 | $12.3B | — | ||
| Q4 25 | $12.3B | $51.1M | ||
| Q3 25 | $12.3B | $46.9M | ||
| Q2 25 | $12.2B | $51.4M | ||
| Q1 25 | $11.8B | $42.0M | ||
| Q4 24 | $11.6B | $79.0M | ||
| Q3 24 | $12.0B | $32.4M | ||
| Q2 24 | $11.6B | $30.0M |
| Q1 26 | 0.10× | — | ||
| Q4 25 | 0.17× | 0.25× | ||
| Q3 25 | 0.17× | 0.15× | ||
| Q2 25 | 0.17× | 0.31× | ||
| Q1 25 | 0.18× | 0.31× | ||
| Q4 24 | 0.19× | 0.21× | ||
| Q3 24 | 0.10× | 0.40× | ||
| Q2 24 | 0.10× | 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 | $187.5M | $-1.2M | ||
| Q3 25 | $49.5M | $-953.0K | ||
| Q2 25 | $30.4M | $257.7K | ||
| Q1 25 | $55.9M | $-1.9M | ||
| Q4 24 | $129.5M | $-403.7K | ||
| Q3 24 | $53.6M | $625.0K | ||
| Q2 24 | $22.7M | $-2.6M |
| Q1 26 | — | — | ||
| Q4 25 | $171.5M | $-1.2M | ||
| Q3 25 | — | $-969.2K | ||
| Q2 25 | — | $211.7K | ||
| Q1 25 | — | $-2.0M | ||
| Q4 24 | $113.9M | $-421.3K | ||
| Q3 24 | — | $594.5K | ||
| Q2 24 | — | $-2.6M |
| Q1 26 | — | — | ||
| Q4 25 | 124.3% | -1.5% | ||
| Q3 25 | — | -0.9% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | -3.4% | ||
| Q4 24 | 94.6% | -0.4% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | -3.4% |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | 12.9% | 0.0% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.18× | — | ||
| Q3 25 | 1.20× | — | ||
| Q2 25 | 0.91× | — | ||
| Q1 25 | 1.71× | — | ||
| Q4 24 | 3.61× | — | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 0.61× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FCF
Segment breakdown not available.
IQST
| USA | $53.2M | 63% |
| Other | $29.9M | 35% |
| Switzerland | $1.1M | 1% |
