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Side-by-side financial comparison of iQSTEL Inc (IQST) and Origin Bancorp, Inc. (OBK). Click either name above to swap in a different company.
Origin Bancorp, Inc. is the larger business by last-quarter revenue ($104.0M vs $84.2M, roughly 1.2× iQSTEL Inc). Origin Bancorp, Inc. runs the higher net margin — 26.6% vs -3.2%, a 29.8% gap on every dollar of revenue. Over the past eight quarters, iQSTEL Inc's revenue compounded faster (28.0% CAGR vs 3.9%).
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.
Southern Bancorp is a community development financial institution headquartered in Arkadelphia, Arkansas. It was founded in 1986 as Southern Development Bancorporation, and is often referred to simply as "Southern".
IQST vs OBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $84.2M | $104.0M |
| Net Profit | $-2.7M | $27.7M |
| Gross Margin | 3.5% | — |
| Operating Margin | -2.9% | — |
| Net Margin | -3.2% | 26.6% |
| Revenue YoY | -14.9% | — |
| Net Profit YoY | -44.5% | — |
| EPS (diluted) | $-0.92 | $0.89 |
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 | — | $104.0M | ||
| Q4 25 | $84.2M | $103.4M | ||
| Q3 25 | $102.9M | $109.8M | ||
| Q2 25 | $72.2M | $83.5M | ||
| Q1 25 | $57.6M | $94.1M | ||
| Q4 24 | $98.9M | $78.3M | ||
| Q3 24 | $54.2M | $90.8M | ||
| Q2 24 | $78.6M | $96.4M |
| Q1 26 | — | $27.7M | ||
| Q4 25 | $-2.7M | $29.5M | ||
| Q3 25 | $-2.3M | $8.6M | ||
| Q2 25 | $-2.3M | $14.6M | ||
| Q1 25 | $-1.1M | $22.4M | ||
| Q4 24 | $-1.9M | $14.3M | ||
| Q3 24 | $-773.0K | $18.6M | ||
| Q2 24 | $-2.0M | $21.0M |
| 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 | -2.9% | 36.2% | ||
| Q3 25 | -0.5% | 10.0% | ||
| Q2 25 | -0.9% | 22.3% | ||
| Q1 25 | -1.0% | 30.4% | ||
| Q4 24 | -0.3% | 23.0% | ||
| Q3 24 | -0.1% | 26.1% | ||
| Q2 24 | -0.4% | 27.7% |
| Q1 26 | — | 26.6% | ||
| Q4 25 | -3.2% | 28.5% | ||
| Q3 25 | -2.3% | 7.9% | ||
| Q2 25 | -3.3% | 17.5% | ||
| Q1 25 | -2.0% | 23.8% | ||
| Q4 24 | -1.9% | 18.2% | ||
| Q3 24 | -1.4% | 20.5% | ||
| Q2 24 | -2.5% | 21.8% |
| Q1 26 | — | $0.89 | ||
| Q4 25 | $-0.92 | $0.95 | ||
| Q3 25 | $-0.68 | $0.27 | ||
| Q2 25 | $-0.82 | $0.47 | ||
| Q1 25 | $-0.44 | $0.71 | ||
| Q4 24 | $-1.19 | $0.45 | ||
| Q3 24 | $-0.40 | $0.60 | ||
| Q2 24 | $-0.90 | $0.67 |
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 | $16.3M | $1.3B |
| Total Assets | $51.1M | $10.2B |
| Debt / EquityLower = less leverage | 0.25× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | $424.2M | ||
| Q3 25 | $2.3M | $626.9M | ||
| Q2 25 | $2.0M | $334.1M | ||
| Q1 25 | $1.1M | $486.2M | ||
| Q4 24 | $2.5M | $470.2M | ||
| Q3 24 | $2.1M | $321.2M | ||
| Q2 24 | $797.2K | $288.1M |
| 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 | — | $1.3B | ||
| Q4 25 | $16.3M | $1.2B | ||
| Q3 25 | $17.9M | $1.2B | ||
| Q2 25 | $14.3M | $1.2B | ||
| Q1 25 | $11.6M | $1.2B | ||
| Q4 24 | $11.9M | $1.1B | ||
| Q3 24 | $8.1M | $1.1B | ||
| Q2 24 | $7.6M | $1.1B |
| Q1 26 | — | $10.2B | ||
| Q4 25 | $51.1M | $9.7B | ||
| Q3 25 | $46.9M | $9.8B | ||
| Q2 25 | $51.4M | $9.7B | ||
| Q1 25 | $42.0M | $9.8B | ||
| Q4 24 | $79.0M | $9.7B | ||
| Q3 24 | $32.4M | $10.0B | ||
| Q2 24 | $30.0M | $9.9B |
| 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 | $-1.2M | $158.9M | ||
| Q3 25 | $-953.0K | $59.3M | ||
| Q2 25 | $257.7K | $20.6M | ||
| Q1 25 | $-1.9M | $35.6M | ||
| Q4 24 | $-403.7K | $108.5M | ||
| Q3 24 | $625.0K | $39.6M | ||
| Q2 24 | $-2.6M | $11.9M |
| Q1 26 | — | — | ||
| Q4 25 | $-1.2M | $151.1M | ||
| Q3 25 | $-969.2K | $56.8M | ||
| Q2 25 | $211.7K | $19.6M | ||
| Q1 25 | $-2.0M | $34.8M | ||
| Q4 24 | $-421.3K | $86.4M | ||
| Q3 24 | $594.5K | $32.2M | ||
| Q2 24 | $-2.6M | $6.5M |
| Q1 26 | — | — | ||
| Q4 25 | -1.5% | 146.0% | ||
| Q3 25 | -0.9% | 51.7% | ||
| Q2 25 | 0.3% | 23.5% | ||
| Q1 25 | -3.4% | 37.0% | ||
| Q4 24 | -0.4% | 110.3% | ||
| Q3 24 | 1.1% | 35.5% | ||
| Q2 24 | -3.4% | 6.8% |
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 7.6% | ||
| Q3 25 | 0.0% | 2.3% | ||
| Q2 25 | 0.1% | 1.2% | ||
| Q1 25 | 0.1% | 0.8% | ||
| Q4 24 | 0.0% | 28.1% | ||
| Q3 24 | 0.1% | 8.1% | ||
| Q2 24 | 0.0% | 5.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 5.38× | ||
| Q3 25 | — | 6.88× | ||
| Q2 25 | — | 1.41× | ||
| Q1 25 | — | 1.59× | ||
| Q4 24 | — | 7.60× | ||
| Q3 24 | — | 2.13× | ||
| Q2 24 | — | 0.57× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
IQST
| USA | $53.2M | 63% |
| Other | $29.9M | 35% |
| Switzerland | $1.1M | 1% |
OBK
| Net Interest Income | $87.2M | 84% |
| Noninterest Income | $16.8M | 16% |
