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Side-by-side financial comparison of HANMI FINANCIAL CORP (HAFC) 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 $71.2M, roughly 1.2× HANMI FINANCIAL CORP). HANMI FINANCIAL CORP runs the higher net margin — 29.8% vs -3.2%, a 33.0% gap on every dollar of revenue. On growth, HANMI FINANCIAL CORP posted the faster year-over-year revenue change (17.1% vs -14.9%). HANMI FINANCIAL CORP produced more free cash flow last quarter ($203.7M vs $-1.2M). Over the past eight quarters, iQSTEL Inc's revenue compounded faster (28.0% CAGR vs 10.4%).
Hanmi Bank Corporation is a community bank headquartered in Los Angeles, California, with 35 branches and eight loan production offices in California, Texas, Illinois, New York, New Jersey and Virginia.
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.
HAFC vs IQST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $71.2M | $84.2M |
| Net Profit | $21.2M | $-2.7M |
| Gross Margin | — | 3.5% |
| Operating Margin | 29.8% | -2.9% |
| Net Margin | 29.8% | -3.2% |
| Revenue YoY | 17.1% | -14.9% |
| Net Profit YoY | 20.0% | -44.5% |
| EPS (diluted) | $0.70 | $-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 | $71.2M | $84.2M | ||
| Q3 25 | $71.0M | $102.9M | ||
| Q2 25 | $65.2M | $72.2M | ||
| Q1 25 | $62.8M | $57.6M | ||
| Q4 24 | $60.8M | $98.9M | ||
| Q3 24 | $58.5M | $54.2M | ||
| Q2 24 | $56.7M | $78.6M | ||
| Q1 24 | $58.4M | $51.4M |
| Q4 25 | $21.2M | $-2.7M | ||
| Q3 25 | $22.1M | $-2.3M | ||
| Q2 25 | $15.1M | $-2.3M | ||
| Q1 25 | $17.7M | $-1.1M | ||
| Q4 24 | $17.7M | $-1.9M | ||
| Q3 24 | $14.9M | $-773.0K | ||
| Q2 24 | $14.5M | $-2.0M | ||
| Q1 24 | $15.2M | $-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 | 29.8% | -2.9% | ||
| Q3 25 | 31.1% | -0.5% | ||
| Q2 25 | 23.2% | -0.9% | ||
| Q1 25 | 28.1% | -1.0% | ||
| Q4 24 | 29.1% | -0.3% | ||
| Q3 24 | 25.5% | -0.1% | ||
| Q2 24 | 25.5% | -0.4% | ||
| Q1 24 | 26.0% | -0.4% |
| Q4 25 | 29.8% | -3.2% | ||
| Q3 25 | 31.1% | -2.3% | ||
| Q2 25 | 23.2% | -3.3% | ||
| Q1 25 | 28.1% | -2.0% | ||
| Q4 24 | 29.1% | -1.9% | ||
| Q3 24 | 25.5% | -1.4% | ||
| Q2 24 | 25.5% | -2.5% | ||
| Q1 24 | 26.0% | -1.1% |
| Q4 25 | $0.70 | $-0.92 | ||
| Q3 25 | $0.73 | $-0.68 | ||
| Q2 25 | $0.50 | $-0.82 | ||
| Q1 25 | $0.58 | $-0.44 | ||
| Q4 24 | $0.58 | $-1.19 | ||
| Q3 24 | $0.49 | $-0.40 | ||
| Q2 24 | $0.48 | $-0.90 | ||
| Q1 24 | $0.50 | $-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 | $796.4M | $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 | $796.4M | $16.3M | ||
| Q3 25 | $779.5M | $17.9M | ||
| Q2 25 | $762.8M | $14.3M | ||
| Q1 25 | $751.5M | $11.6M | ||
| Q4 24 | $732.2M | $11.9M | ||
| Q3 24 | $736.7M | $8.1M | ||
| Q2 24 | $707.1M | $7.6M | ||
| Q1 24 | $703.1M | $8.4M |
| Q4 25 | $7.9B | $51.1M | ||
| Q3 25 | $7.9B | $46.9M | ||
| Q2 25 | $7.9B | $51.4M | ||
| Q1 25 | $7.7B | $42.0M | ||
| Q4 24 | $7.7B | $79.0M | ||
| Q3 24 | $7.7B | $32.4M | ||
| Q2 24 | $7.6B | $30.0M | ||
| Q1 24 | $7.5B | $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 | $206.0M | $-1.2M |
| Free Cash FlowOCF − Capex | $203.7M | $-1.2M |
| FCF MarginFCF / Revenue | 286.2% | -1.5% |
| Capex IntensityCapex / Revenue | 3.2% | 0.0% |
| Cash ConversionOCF / Net Profit | 9.70× | — |
| TTM Free Cash FlowTrailing 4 quarters | $356.1M | $-4.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.0M | $-1.2M | ||
| Q3 25 | $146.9M | $-953.0K | ||
| Q2 25 | $-19.0M | $257.7K | ||
| Q1 25 | $25.8M | $-1.9M | ||
| Q4 24 | $52.6M | $-403.7K | ||
| Q3 24 | $6.7M | $625.0K | ||
| Q2 24 | $2.1M | $-2.6M | ||
| Q1 24 | $30.0M | $-536.9K |
| Q4 25 | $203.7M | $-1.2M | ||
| Q3 25 | $146.4M | $-969.2K | ||
| Q2 25 | $-19.6M | $211.7K | ||
| Q1 25 | $25.6M | $-2.0M | ||
| Q4 24 | $49.9M | $-421.3K | ||
| Q3 24 | $6.5M | $594.5K | ||
| Q2 24 | $1.3M | $-2.6M | ||
| Q1 24 | $29.2M | $-608.5K |
| Q4 25 | 286.2% | -1.5% | ||
| Q3 25 | 206.3% | -0.9% | ||
| Q2 25 | -30.0% | 0.3% | ||
| Q1 25 | 40.7% | -3.4% | ||
| Q4 24 | 82.1% | -0.4% | ||
| Q3 24 | 11.1% | 1.1% | ||
| Q2 24 | 2.3% | -3.4% | ||
| Q1 24 | 50.0% | -1.2% |
| Q4 25 | 3.2% | 0.0% | ||
| Q3 25 | 0.8% | 0.0% | ||
| Q2 25 | 0.9% | 0.1% | ||
| Q1 25 | 0.4% | 0.1% | ||
| Q4 24 | 4.3% | 0.0% | ||
| Q3 24 | 0.4% | 0.1% | ||
| Q2 24 | 1.4% | 0.0% | ||
| Q1 24 | 1.4% | 0.1% |
| Q4 25 | 9.70× | — | ||
| Q3 25 | 6.66× | — | ||
| Q2 25 | -1.26× | — | ||
| Q1 25 | 1.46× | — | ||
| Q4 24 | 2.97× | — | ||
| Q3 24 | 0.45× | — | ||
| Q2 24 | 0.14× | — | ||
| Q1 24 | 1.98× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HAFC
Segment breakdown not available.
IQST
| USA | $53.2M | 63% |
| Other | $29.9M | 35% |
| Switzerland | $1.1M | 1% |
