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Side-by-side financial comparison of iQSTEL Inc (IQST) and ServisFirst Bancshares, Inc. (SFBS). Click either name above to swap in a different company.
ServisFirst Bancshares, Inc. is the larger business by last-quarter revenue ($159.0M vs $84.2M, roughly 1.9× iQSTEL Inc). ServisFirst Bancshares, Inc. runs the higher net margin — 52.2% vs -3.2%, a 55.4% gap on every dollar of revenue. Over the past eight quarters, iQSTEL Inc's revenue compounded faster (28.0% CAGR vs 17.7%).
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.
ServisFirst Bancshares, Inc. is a U.S.-based bank holding company operating full-service banking locations primarily across the Southeastern United States. It offers a full suite of commercial banking, consumer banking, wealth management, and mortgage lending services to small and medium-sized businesses, professional clients, and individual consumers.
IQST vs SFBS — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $84.2M | $159.0M |
| Net Profit | $-2.7M | $83.0M |
| Gross Margin | 3.5% | — |
| Operating Margin | -2.9% | — |
| Net Margin | -3.2% | 52.2% |
| Revenue YoY | -14.9% | — |
| Net Profit YoY | -44.5% | 31.2% |
| EPS (diluted) | $-0.92 | $1.52 |
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 | — | $159.0M | ||
| Q4 25 | $84.2M | $162.2M | ||
| Q3 25 | $102.9M | $136.3M | ||
| Q2 25 | $72.2M | $132.1M | ||
| Q1 25 | $57.6M | $131.8M | ||
| Q4 24 | $98.9M | $131.9M | ||
| Q3 24 | $54.2M | $123.7M | ||
| Q2 24 | $78.6M | $114.8M |
| Q1 26 | — | $83.0M | ||
| Q4 25 | $-2.7M | $86.4M | ||
| Q3 25 | $-2.3M | $65.6M | ||
| Q2 25 | $-2.3M | $61.4M | ||
| Q1 25 | $-1.1M | $63.2M | ||
| Q4 24 | $-1.9M | $65.2M | ||
| Q3 24 | $-773.0K | $59.9M | ||
| Q2 24 | $-2.0M | $52.1M |
| 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% | 66.3% | ||
| Q3 25 | -0.5% | 57.8% | ||
| Q2 25 | -0.9% | 58.0% | ||
| Q1 25 | -1.0% | 60.0% | ||
| Q4 24 | -0.3% | 60.2% | ||
| Q3 24 | -0.1% | 58.5% | ||
| Q2 24 | -0.4% | 58.0% |
| Q1 26 | — | 52.2% | ||
| Q4 25 | -3.2% | 59.0% | ||
| Q3 25 | -2.3% | 48.1% | ||
| Q2 25 | -3.3% | 46.5% | ||
| Q1 25 | -2.0% | 48.0% | ||
| Q4 24 | -1.9% | 52.9% | ||
| Q3 24 | -1.4% | 48.4% | ||
| Q2 24 | -2.5% | 45.4% |
| Q1 26 | — | $1.52 | ||
| Q4 25 | $-0.92 | $1.58 | ||
| Q3 25 | $-0.68 | $1.20 | ||
| Q2 25 | $-0.82 | $1.12 | ||
| Q1 25 | $-0.44 | $1.16 | ||
| Q4 24 | $-1.19 | $1.19 | ||
| Q3 24 | $-0.40 | $1.10 | ||
| Q2 24 | $-0.90 | $0.95 |
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 | $1.8B |
| Total DebtLower is stronger | $4.1M | — |
| Stockholders' EquityBook value | $16.3M | $1.9B |
| Total Assets | $51.1M | $18.2B |
| Debt / EquityLower = less leverage | 0.25× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $1.8B | ||
| 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 | — | $1.9B | ||
| Q4 25 | $16.3M | $1.8B | ||
| Q3 25 | $17.9M | $1.8B | ||
| Q2 25 | $14.3M | $1.7B | ||
| Q1 25 | $11.6M | $1.7B | ||
| Q4 24 | $11.9M | $1.6B | ||
| Q3 24 | $8.1M | $1.6B | ||
| Q2 24 | $7.6M | $1.5B |
| Q1 26 | — | $18.2B | ||
| Q4 25 | $51.1M | $17.7B | ||
| Q3 25 | $46.9M | $17.6B | ||
| Q2 25 | $51.4M | $17.4B | ||
| Q1 25 | $42.0M | $18.6B | ||
| Q4 24 | $79.0M | $17.4B | ||
| Q3 24 | $32.4M | $16.4B | ||
| Q2 24 | $30.0M | $16.0B |
| 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 | $355.2M | ||
| Q3 25 | $-953.0K | $140.9M | ||
| Q2 25 | $257.7K | $67.6M | ||
| Q1 25 | $-1.9M | $48.0M | ||
| Q4 24 | $-403.7K | $252.9M | ||
| Q3 24 | $625.0K | $84.0M | ||
| Q2 24 | $-2.6M | $48.3M |
| Q1 26 | — | — | ||
| Q4 25 | $-1.2M | — | ||
| Q3 25 | $-969.2K | — | ||
| Q2 25 | $211.7K | — | ||
| Q1 25 | $-2.0M | — | ||
| Q4 24 | $-421.3K | — | ||
| Q3 24 | $594.5K | — | ||
| Q2 24 | $-2.6M | — |
| Q1 26 | — | — | ||
| Q4 25 | -1.5% | — | ||
| Q3 25 | -0.9% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | -3.4% | — | ||
| Q4 24 | -0.4% | — | ||
| Q3 24 | 1.1% | — | ||
| Q2 24 | -3.4% | — |
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | 0.1% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.0% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.11× | ||
| Q3 25 | — | 2.15× | ||
| Q2 25 | — | 1.10× | ||
| Q1 25 | — | 0.76× | ||
| Q4 24 | — | 3.88× | ||
| Q3 24 | — | 1.40× | ||
| Q2 24 | — | 0.93× |
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% |
SFBS
| Net Interest Income | $148.1M | 93% |
| Noninterest Income | $10.8M | 7% |
