USIO · Usio, Inc.
What's happening
- USIO is up 10.49% today, trading at $3.16. — Live quote
- It's trading within 3% of its 52-week high ($3.06). (Finnhub fundamentals)
- Volume today (9,660) is well below its 3-month average of 292,830. (Finnhub fundamentals)
- Reports earnings on 2026-11-11, 20 days away. (Finnhub earnings calendar)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Aggregate ratings for 2026-10-01 (9 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $70.0M | — | $29.3M | $56.1M | $34.3M |
| P/E | -184.67 | — | 15.95 | 24.13 | 14.05 |
| Price/Sales | 0.78 | — | 0.35 | 0.67 | 0.41 |
| Price/Book | 3.73 | — | 1.57 | 2.99 | 1.81 |
| EV/Revenue | 0.72 | — | 0.26 | 0.59 | 0.31 |
| EV/EBITDA | 56.39 | — | 44.75 | — | — |
| ROE | -2.02% | — | 9.82% | 12.41% | 12.86% |
| ROA | -0.31% | — | 1.85% | 2.15% | 2.23% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 18.6% on the provider's reported measure. Finnhub fundamentals ↗
- Trailing 52-week price return is +96.6%. Finnhub market metrics ↗
Potential concerns
- Net profit margin is -1.6%. Finnhub fundamentals ↗
- Latest SEC filing is Form 8-K, filed 2026-10-19; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on USIO
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $23.7M | $25.5M | $21.2M | $20.0M | $22.0M | $21.3M | $20.1M | $21.0M |
| Gross profit | $5.7M | $5.1M | $4.9M | $5.1M | $4.8M | $4.9M | $4.8M | $4.9M |
| Operating income | $376.9K | $225.7K | -$464.2K | -$397.0K | -$239.6K | -$376.6K | -$208.9K | -$282.0K |
| Net income | $280.1K | $122.5K | -$415.1K | -$366.7K | -$235.0K | $2.9M | $75.5K | -$250.2K |
| EPS (diluted) | $0.01 | $0.00 | $-0.02 | $-0.01 | $-0.01 | $0.10 | $0.00 | $-0.01 |
| EPS (basic) | $0.01 | $0.00 | $-0.02 | $-0.01 | $-0.01 | $0.10 | $0.00 | $-0.01 |
| Operating margin | $2 | $1 | -$2 | -$2 | -$1 | -$2 | -$1 | -$1 |
| Net margin | $1 | $0 | -$2 | -$2 | -$1 | $13 | $0 | -$1 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $123.8M | $120.2M | $134.9M | $99.4M | $108.4M | $109.6M | $107.2M | $114.6M |
| Total liabilities | $105.0M | $102.0M | $117.0M | $80.7M | $89.6M | $90.6M | $88.1M | $95.7M |
| Stockholders' equity | $18.8M | $18.1M | $17.9M | $18.7M | $18.7M | $19.0M | $19.2M | $18.9M |
| Total current assets | $111.2M | $107.3M | $123.4M | $88.1M | $96.8M | $97.9M | $95.2M | $102.2M |
| Total current liabilities | $101.5M | $98.3M | $114.0M | $78.1M | $86.9M | $87.7M | $84.9M | $92.5M |
| Cash & equivalents | $6.4M | $7.7M | $7.4M | $7.7M | $7.5M | $8.7M | $8.1M | $8.4M |
| Accounts receivable | $6.5M | $5.4M | $5.3M | $5.2M | $4.9M | $4.6M | $5.1M | $4.3M |
| Inventory | $392.1K | $392.9K | $461.7K | $337.7K | $380.5K | $348.5K | $403.8K | $400.0K |
| Marketable securities (non-current) | — | — | — | — | — | — | — | — |
| Property, plant & equipment | $4.7M | $4.5M | $4.2M | $3.6M | $3.4M | $3.2M | $3.2M | $3.3M |
| Goodwill | — | — | — | — | — | — | — | — |
| Intangible assets | $9.8K | $9.8K | $9.8K | $227.4K | $445.4K | $663.3K | $881.3K | $1.1M |
| Other non-current assets | $362.9K | $362.9K | $362.9K | $357.9K | $357.9K | $357.9K | $357.9K | $340.3K |
| Accounts payable | $967.4K | $1.3M | $880.6K | $840.1K | $632.7K | $715.2K | $1.3M | $579.6K |
| Accrued liabilities | $3.4M | $4.1M | $3.3M | $2.7M | $2.6M | $2.7M | $3.4M | $2.9M |
| Deferred revenue (current) | — | — | — | — | — | — | — | — |
| Short-term debt | $343.3K | $337.5K | $289.3K | $242.0K | $151.7K | $150.1K | $147.6K | $192.2K |
| Long-term debt | $910.3K | $988.0K | $1.1M | $594.7K | $495.4K | $533.2K | $571.9K | $562.9K |
| Common stock & paid-in capital | $32.6K | $31.7K | $31.6K | $31.2K | $30.2K | $30.0K | $198.3K | $198.2K |
| Retained earnings | -$70.1M | -$70.4M | -$70.5M | -$69.0M | -$68.6M | -$68.3M | -$68.0M | -$68.7M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$694.1K | $946.7K | $99.6K | $303.8K | -$263.9K | $1.4M | $1.0M | $1.4M |
| Investing cash flow | -$395.3K | -$613.6K | -$398.4K | -$391.8K | -$433.9K | -$313.3K | -$246.1K | -$243.2K |
| Financing cash flow | $3.9M | -$17.1M | $35.2M | -$9.0M | -$1.1M | $3.6M | -$9.9M | $2.2M |
| Free cash flow | -$828.2K | $548.7K | -$42.8K | $85.2K | -$315.2K | $1.4M | $931.7K | $1.4M |
| Capital expenditures | $134.1K | $398.1K | $142.4K | $218.7K | $51.3K | $22.6K | $73.5K | $68.5K |
| Depreciation & amortization | $286.0K | $225.7K | $553.0K | $432.8K | $464.6K | $495.8K | $555.6K | $583.7K |
| Share-based compensation | $482.5K | $329.3K | $1.3M | $399.6K | $434.3K | $410.1K | $1.6M | $569.8K |
| Deferred income taxes | $54.7K | $67.1K | $54.2K | $0 | $0 | $0 | $109.6K | -$3.2M |
| Change in accounts receivable | $883.9K | $144.1K | $142.9K | $320.2K | $322.0K | -$484.0K | $801.6K | -$1.2M |
| Change in inventory | -$765 | -$68.8K | $124.0K | -$42.8K | $32.0K | -$55.3K | $3.8K | -$7.0K |
| Share repurchases | $137.5K | $233.5K | $300.7K | $57.6K | $356.7K | $351.6K | $1.0M | $244.0K |
| Debt issued | — | — | $565.5K | $226.2K | — | — | $0 | $0 |
| Debt repaid | $71.9K | $38.5K | $38.2K | $36.6K | $36.2K | $36.1K | $35.7K | $34.3K |
| Tax withholding on stock comp | — | — | $218.8K | — | — | — | $597.6K | — |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $85.4M | $82.9M | $84.1M | $69.4M | $61.9M |
| Gross profit | $19.7M | $19.6M | $20.1M | $14.6M | $15.6M |
| Operating income | -$2.4M | -$1.5M | -$447.4K | -$5.2M | -$155.4K |
| Net income | -$2.5M | $3.3M | -$475.1K | -$5.5M | -$321.6K |
| EPS (diluted) | $-0.09 | $0.12 | $-0.02 | $-0.27 | $-0.02 |
| EPS (basic) | $-0.09 | $0.12 | $-0.02 | $-0.27 | $-0.02 |
| Operating margin | -$3 | -$2 | -$1 | -$8 | -$0 |
| Net margin | -$3 | $4 | -$1 | -$8 | -$1 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $134.9M | $107.2M | $106.9M | $97.9M | $133.7M |
| Total liabilities | $117.0M | $88.1M | $91.9M | $84.0M | $115.0M |
| Stockholders' equity | $17.9M | $19.2M | $15.1M | $13.9M | $18.7M |
| Total current assets | $123.4M | $95.2M | $97.2M | $87.4M | $121.3M |
| Total current liabilities | $114.0M | $84.9M | $89.2M | $81.6M | $112.5M |
| Cash & equivalents | $7.4M | $8.1M | $7.2M | $5.7M | $7.3M |
| Accounts receivable | $5.3M | $5.1M | $5.6M | $4.4M | $5.0M |
| Inventory | $461.7K | $403.8K | $422.8K | $507.4K | $434.5K |
| Marketable securities (non-current) | — | — | — | — | — |
| Property, plant & equipment | $4.2M | $3.2M | $3.7M | $3.2M | $3.6M |
| Goodwill | — | — | — | — | — |
| Intangible assets | $9.8K | $881.3K | $1.8M | $2.6M | $4.2M |
| Other non-current assets | $362.9K | $357.9K | $355.4K | $355.4K | $345.4K |
| Accounts payable | $880.6K | $1.3M | $1.0M | $858.6K | $1.4M |
| Accrued liabilities | $3.3M | $3.4M | $3.8M | $3.7M | $2.3M |
| Deferred revenue (current) | — | — | $0 | $0 | $17.6K |
| Short-term debt | $289.3K | $147.6K | $107.3K | $56.4K | $54.8K |
| Long-term debt | $1.1M | $571.9K | $719.0K | $15.0K | $71.4K |
| Common stock & paid-in capital | $31.6K | $198.3K | $197.1K | $195.5K | $195.2K |
| Retained earnings | -$70.5M | -$68.0M | -$71.3M | -$70.9M | -$65.4M |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $1.5M | $2.9M | $3.5M | -$17.0M | $29.8M |
| Investing cash flow | -$1.5M | -$944.4K | -$835.0K | -$812.2K | -$1.3M |
| Financing cash flow | $28.7M | -$5.1M | $6.1M | -$1.4M | $887.5K |
| Free cash flow | $1.1M | $2.7M | $2.7M | -$17.8M | $28.5M |
| Capital expenditures | $435.0K | $195.9K | $835.0K | $812.2K | $1.3M |
| Depreciation & amortization | $1.9M | $2.3M | — | — | — |
| Share-based compensation | $1.7M | $2.1M | $2.2M | $2.1M | $1.5M |
| Deferred income taxes | $54.2K | -$3.1M | $0 | $0 | -$110.0K |
| Change in accounts receivable | $301.1K | -$505.5K | $1.2M | -$607.9K | $2.3M |
| Change in inventory | $57.9K | -$19.0K | -$84.5K | $72.8K | $258.1K |
| Share repurchases | $1.1M | $1.4M | $457.0K | $1.3M | $238.7K |
| Debt issued | $791.7K | $0 | — | — | — |
| Debt repaid | $147.2K | $106.8K | $57.0K | $54.8K | $39.8K |
| Tax withholding on stock comp | $218.8K | $597.6K | $47.4K | $47.4K | $238.7K |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding USIO as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2026-03-16 to 2026-08-21
Recent transactions
- Most recent: Miller Elizabeth Michelle (Director) — Option exercise of 7,000 shares on 2026-08-21.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Miller Elizabeth Michelle | Director | Option exercise | 2026-08-21 | 7,000 |
| Rollins Brad | Director | Option exercise | 2026-08-21 | 7,000 |
| Beyer del la Garza Ernesto R | Director | Option exercise | 2026-08-21 | 7,000 |
| HOCH LOUIS A | Chairman, President and CEO | Option exercise | 2026-08-21 | 7,000 |
| Uffner Jerry | Head of Card Issuing | Option exercise | 2026-08-21 | 6,000 |
| Frost Houston Korth | SVP, Chief Product Officer | Option exercise | 2026-08-21 | 6,000 |
| White Michael Joseph | SVP, Chief Accounting Officer | Option exercise | 2026-08-21 | 6,000 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-08-21 | Miller Elizabeth Michelle | Director | Option exercise | 7,000 | $2.81 |
| 2026-08-21 | Rollins Brad | Director | Option exercise | 7,000 | $2.81 |
| 2026-08-21 | Beyer del la Garza Ernesto R | Director | Option exercise | 7,000 | $2.81 |
| 2026-08-21 | Beyer del la Garza Ernesto R | Director | Tax withholding | 2,000 | $2.81 |
| 2026-08-21 | HOCH LOUIS A | Chairman, President and CEO | Option exercise | 7,000 | $2.81 |
| 2026-08-21 | HOCH LOUIS A | Chairman, President and CEO | Tax withholding | 2,755 | $2.81 |
| 2026-08-21 | Uffner Jerry | Head of Card Issuing | Option exercise | 6,000 | $2.81 |
| 2026-08-21 | Uffner Jerry | Head of Card Issuing | Tax withholding | 2,058 | $2.81 |
| 2026-08-21 | Frost Houston Korth | SVP, Chief Product Officer | Option exercise | 6,000 | $2.81 |
| 2026-08-21 | Frost Houston Korth | SVP, Chief Product Officer | Tax withholding | 1,630 | $2.81 |
| 2026-08-21 | White Michael Joseph | SVP, Chief Accounting Officer | Option exercise | 6,000 | $2.81 |
| 2026-08-21 | White Michael Joseph | SVP, Chief Accounting Officer | Tax withholding | 1,779 | $2.81 |
| 2026-07-01 | Frost Houston Korth | SVP, Chief Product Officer | Grant / award | 5,642 | $0.99 |
| 2026-06-21 | Beyer del la Garza Ernesto R | Director | Option exercise | 7,000 | $1.82 |
| 2026-06-21 | Miller Elizabeth Michelle | Director | Option exercise | 7,000 | $1.82 |
| 2026-06-21 | Rollins Brad | Director | Option exercise | 7,000 | $1.82 |
| 2026-06-21 | Frost Houston Korth | SVP, Chief Product Officer | Option exercise | 4,000 | $1.82 |
| 2026-06-21 | Uffner Jerry | SVP, Head of Card Issuing | Option exercise | 4,000 | $1.82 |
| 2026-06-21 | Uffner Jerry | SVP, Head of Card Issuing | Tax withholding | 1,368 | $1.82 |
| 2026-06-21 | HOCH LOUIS A | Chairman, President and CEO | Option exercise | 7,000 | $1.82 |
| 2026-06-21 | HOCH LOUIS A | Chairman, President and CEO | Tax withholding | 2,755 | $1.82 |
| 2026-06-21 | White Michael Joseph | SVP, Chief Accounting Officer | Option exercise | 6,000 | $1.82 |
| 2026-06-21 | White Michael Joseph | SVP, Chief Accounting Officer | Option exercise | 1,779 | $1.82 |
| 2026-06-11 | Uffner Jerry | SVP Card Issuing SLS & Bus Dev | Grant / award | 40,000 | $1.71 |
| 2026-06-11 | Frost Houston Korth | SVP, Chief Product Officer | Grant / award | 50,000 | $1.71 |
| 2026-06-11 | HOCH LOUIS A | Chairman, President and CEO | Grant / award | 300,000 | $1.71 |
| 2026-06-11 | White Michael Joseph | SVP, Chief Accounting Officer | Grant / award | 50,000 | $1.71 |
| 2026-03-16 | Miller Elizabeth Michelle | Director | Option exercise | 2,000 | $1.21 |
| 2026-03-16 | Miller Elizabeth Michelle | Director | Tax withholding | 500 | $1.21 |
| 2026-03-16 | Rollins Brad | Director | Option exercise | 7,000 | $1.21 |
| 2026-03-16 | Beyer del la Garza Ernesto R | Director | Option exercise | 7,000 | $1.21 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-21 22:48 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-10-19 | 8-K | 2026-10-19 | View on SEC.gov → |
| 2026-09-03 | 4 | 2026-08-21 | View on SEC.gov → |
| 2026-08-26 | 4 | 2026-07-01 | View on SEC.gov → |
| 2026-08-25 | 4 | 2026-08-21 | View on SEC.gov → |
| 2026-08-25 | 4 | 2026-08-21 | View on SEC.gov → |
| 2026-08-25 | 4 | 2026-08-21 | View on SEC.gov → |
| 2026-08-25 | 4 | 2026-08-21 | View on SEC.gov → |
| 2026-08-25 | 4 | 2026-08-21 | View on SEC.gov → |
| 2026-08-25 | 4 | 2026-08-21 | View on SEC.gov → |
| 2026-08-12 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-08-12 | 8-K | 2026-08-12 | View on SEC.gov → |
| 2026-06-23 | 4 | 2026-06-21 | View on SEC.gov → |
Recent news
Headlines about USIO (Usio, Inc.). Links open the publisher — we don’t host full articles.
-
Usio at ld micro main event: growth, leverage and new catalysts
Investing.com · 2026-10-20 -
USIO 8-K & SEC Filings
Yahoo Finance · 2026-10-19 -
What 39 percent ACH growth means for Usio stock - ad-hoc-news.de
ad-hoc-news.de · 2026-10-15 -
Usio Announces Participation in Upcoming Investor Conferences
Yahoo · 2026-10-13 -
Fast-paced Momentum Stock Usio (USIO) Is Still Trading at a Bargain
Yahoo Finance · 2026-10-05 -
Usio Named by Harris Computer Corporation as a “Preferred Payments Service Provider”
Yahoo Finance · 2026-09-29 -
FIS Adds Millions of Accounts on Strong Core Banking Momentum
Yahoo Finance · 2026-09-10 -
Usio Appoints Linda Loof as Senior Vice President of Strategic Partnerships
Yahoo Finance · 2026-09-09
No headlines in this category right now — try “All”.