USIO · Usio, Inc.

NASDAQ NMS - GLOBAL MARKET - BOATS Real Time Price • USD

Usio Inc (USIO)

NASDAQ NMS - GLOBAL MARKET Financial Services
Move probability → Options chain →
$3.16 +0.30 (+10.49%)
● At close: October 21 at 4:00:00 PM EDT
DAY'S RANGE $3.16
$2.85 $3.17
52-WEEK RANGE $3.16
$1.03 $3.06

What's happening

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

Market Cap$82.1M
P/E (TTM1)—
EPS2 (TTM)$-0.06
Div Yield—
Beta31.41
Volume9,660
Open2.85
Prev Close2.86
Bid / Ask2.51 / 3.71
Next Earnings 2026-11-11

Analyst Recommendations

Strong buy 3 Buy 5 Hold 1 Sell 0 Strong sell 0

Aggregate ratings for 2026-10-01 (9 analysts polled by Finnhub) — consensus count.

Performance Overview (Trailing returns vs S&P 500 benchmark)

YTD RETURN
USIO +109.56%
vs S&P 500 +96.78%
1-YEAR RETURN
USIO +96.55%
vs S&P 500 +81.99%
6-MONTH RETURN
USIO +129.84%
3-MONTH RETURN
USIO +40.39%

Valuation Measures & Ratios

Enterprise Value4$72.4M
Forward P/E528.11
PEG Ratio6—
Price / Sales (TTM1)0.89
Price / Book73.64
EV4 / Revenue0.78
EV4 / EBITDA191.85
Profit Margin-1.63%
Operating Margin-1.21%
Return on Equity (ROE8)-8.20%
Return on Assets (ROA9)-1.26%
Avg Volume (3M)292,830
Quarterly history (5 periods)
Measure Jun '26Mar '26Sep '25Jun '25Mar '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

Shares Short63,806
Change from Prior Settlement+18.83%
% of Float—
Days to Cover (Short Ratio)1.00

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

Events

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…

Calculating…
Show Technical Analysis Breakdown ▾ 10 Indicators

Not investment advice — read several signals together.

Indicators None active

Add lines over the price chart or a panel below it. Your choices are saved on this device.

Starter sets
Trend
Oscillators
Volume/volatility
Loading chart…

History limited by data provider; markers are heuristics, not signals.

Peer and sector context

No reviewed peer group is available for this symbol.

Balanced evidence

A deterministic summary of sourced facts—not an AI verdict.

Potential strengths

Potential concerns

Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.

Financials

Income statement

Line item Jun '26Mar '26Sep '25Jun '25Mar '25Sep '24Jun '24Mar '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

Balance sheet

Line item Jun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '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

Cash flow

Line item Jun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '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

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.

Institutional ownership is not available for this symbol right now.

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

Purchases (open market)0 sh(0 txns)
Sales (open market)0 sh(0 txns)
Net Shares+0

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

NameTitleMost Recent TransactionDateShares
Miller Elizabeth MichelleDirectorOption exercise2026-08-217,000
Rollins BradDirectorOption exercise2026-08-217,000
Beyer del la Garza Ernesto RDirectorOption exercise2026-08-217,000
HOCH LOUIS AChairman, President and CEOOption exercise2026-08-217,000
Uffner JerryHead of Card IssuingOption exercise2026-08-216,000
Frost Houston KorthSVP, Chief Product OfficerOption exercise2026-08-216,000
White Michael JosephSVP, Chief Accounting OfficerOption exercise2026-08-216,000

Recent transactions

DateInsiderTitleTransactionSharesPrice
2026-08-21Miller Elizabeth MichelleDirectorOption exercise 7,000$2.81
2026-08-21Rollins BradDirectorOption exercise 7,000$2.81
2026-08-21Beyer del la Garza Ernesto RDirectorOption exercise 7,000$2.81
2026-08-21Beyer del la Garza Ernesto RDirectorTax withholding 2,000$2.81
2026-08-21HOCH LOUIS AChairman, President and CEOOption exercise 7,000$2.81
2026-08-21HOCH LOUIS AChairman, President and CEOTax withholding 2,755$2.81
2026-08-21Uffner JerryHead of Card IssuingOption exercise 6,000$2.81
2026-08-21Uffner JerryHead of Card IssuingTax withholding 2,058$2.81
2026-08-21Frost Houston KorthSVP, Chief Product OfficerOption exercise 6,000$2.81
2026-08-21Frost Houston KorthSVP, Chief Product OfficerTax withholding 1,630$2.81
2026-08-21White Michael JosephSVP, Chief Accounting OfficerOption exercise 6,000$2.81
2026-08-21White Michael JosephSVP, Chief Accounting OfficerTax withholding 1,779$2.81
2026-07-01Frost Houston KorthSVP, Chief Product OfficerGrant / award 5,642$0.99
2026-06-21Beyer del la Garza Ernesto RDirectorOption exercise 7,000$1.82
2026-06-21Miller Elizabeth MichelleDirectorOption exercise 7,000$1.82
2026-06-21Rollins BradDirectorOption exercise 7,000$1.82
2026-06-21Frost Houston KorthSVP, Chief Product OfficerOption exercise 4,000$1.82
2026-06-21Uffner JerrySVP, Head of Card IssuingOption exercise 4,000$1.82
2026-06-21Uffner JerrySVP, Head of Card IssuingTax withholding 1,368$1.82
2026-06-21HOCH LOUIS AChairman, President and CEOOption exercise 7,000$1.82
2026-06-21HOCH LOUIS AChairman, President and CEOTax withholding 2,755$1.82
2026-06-21White Michael JosephSVP, Chief Accounting OfficerOption exercise 6,000$1.82
2026-06-21White Michael JosephSVP, Chief Accounting OfficerOption exercise 1,779$1.82
2026-06-11Uffner JerrySVP Card Issuing SLS & Bus DevGrant / award 40,000$1.71
2026-06-11Frost Houston KorthSVP, Chief Product OfficerGrant / award 50,000$1.71
2026-06-11HOCH LOUIS AChairman, President and CEOGrant / award 300,000$1.71
2026-06-11White Michael JosephSVP, Chief Accounting OfficerGrant / award 50,000$1.71
2026-03-16Miller Elizabeth MichelleDirectorOption exercise 2,000$1.21
2026-03-16Miller Elizabeth MichelleDirectorTax withholding 500$1.21
2026-03-16Rollins BradDirectorOption exercise 7,000$1.21
2026-03-16Beyer del la Garza Ernesto RDirectorOption 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

FiledFormReport periodOfficial filing
2026-10-198-K2026-10-19 View on SEC.gov →
2026-09-0342026-08-21 View on SEC.gov →
2026-08-2642026-07-01 View on SEC.gov →
2026-08-2542026-08-21 View on SEC.gov →
2026-08-2542026-08-21 View on SEC.gov →
2026-08-2542026-08-21 View on SEC.gov →
2026-08-2542026-08-21 View on SEC.gov →
2026-08-2542026-08-21 View on SEC.gov →
2026-08-2542026-08-21 View on SEC.gov →
2026-08-1210-Q2026-06-30 View on SEC.gov →
2026-08-128-K2026-08-12 View on SEC.gov →
2026-06-2342026-06-21 View on SEC.gov →

Headlines about USIO (Usio, Inc.). Links open the publisher — we don’t host full articles.

SEC filings ↓

← Back to the full dashboard · My watchlist