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USIO

Usio, Inc.
$2.23 -0.18 (-7.47%) At close · Jul 16
Market Cap
$61.54M
Shares
27,595,994

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$2.23 Open$2.39 Day$2.20–2.44 52W$1.03–2.62 Avg vol 30d143K Short int52K · 0.2% float · 1.0d Short vol12% Last earningsMay 13, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 13
Up next
Next earnings call
Aug 12, 2026 Est · unconfirmed · in 4 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 13, 2026
AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Equibles Rating blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Neutral Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Very High
      Market backdrop VIX 16.7 · calm Equity put/call 0.67
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +53%
      above
      Price vs 50-day avg +24%
      above
      RSI (14) 55
      neutral
      MACD trend Negative
      52-week position 75%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Very Strong
      1-month return +28%
      trailing
      6-month return +64%
      trailing
      YTD return +64%
      this year
      Relative strength +55%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $2 › 200d $1 — 50d above 200d
      Institutional flow Accumulating
      1 of 28 funds reported for Jun 30 · net +20.0K sh shares · +1 new
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      0.19% of float · ▲ +1.5% MoM · 1.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      28 holders — mid 3-yr range
      Squeeze score 41
      elevated · 0–100
      Fundamentals
      Excellent
      Revenue growth +13%
      Y/Y
      Gross margin 70%
      contracting
      EPS growth −175%
      Y/Y
      Free cash flow $1.1M
      Buyback $4.0M
      authorized
      Balance sheet $6.1M
      net cash
      Quant / Vol
      risk profile
      Very High
      Volatility 56%
      annualized · 1-yr
      Max drawdown −45%
      past year
      ATR 8.3%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 4 · 2
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +53% Bullish
      Price vs 50-day avg
      +24% Bullish
      RSI (14)
      55 Neutral
      MACD trend
      Negative Bearish
      52-week position
      75% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $2 › 200d $1 — 50d above 200d
      Institutional flow Accumulating
      1 of 28 funds reported for Jun 30 · net +20.0K sh shares · +1 new
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      0.19% of float · ▲ +1.5% MoM · 1.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      28 holders — mid 3-yr range
      Price context
      position in its 52-week range
      52-wk low $1 Now $2 · 75% 52-wk high $3
      vs 200-day avg +53% vs 50-day avg +24%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Operating cash flow $0.9M first quarter ended March 31, 2026
      Total payment transactions processed 16.8M first quarter of 2026
      electronic documents processed and delivered growth 41% Q1 FY2026 call
      overhead $4.4M Q1 FY2026 call
      PayFac share of card revenues 78% Q1 FY2026 call
      pieces processed and mailed growth 31% Q1 FY2026 call
      prepaid card loads processed $80M Q1 FY2026 call
      total payment dollars processed growth 28% Q1 FY2026 call
      total payment transactions processed growth 22% Q1 FY2026 call
      Total processing volume $8.4B FY2025
      payment volume $8.4B FY2025
      prepaid load volume $300M FY2025
      prepaid transactions 8M FY2025

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      Versus peers

      Software - Infrastructure — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      USIO
      Usio, Inc.
      this stock
      $61.54M +64.0% +12.7% 0.2%
      MSFT
      Microsoft Corp
      $2.93T -16.9% +6.9% 23.4 1.2%
      ORCL
      Oracle Corp
      $364.12B -36.1% +17.3% 21.7 1.5%
      PLTR
      Palantir Technologies Inc.
      $317.36B -24.4% +16.7% 148.7 3.6%
      PANW
      Palo Alto Networks Inc
      $292.32B +92.2% +29.0% 294.0 3.1%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      29
      % held
      22.1%
      Reported
      1 of 28
      Top holder
      WHITTIER TRUST CO
      Held Float
      View
      Held by Funds
      Fund positions
      12
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      51.5K
      Days to cover
      1.0d
      Change
      +754 sh
      View
      Short Volume
      Short vol %
      12%
      As of
      Jul 17, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      3.9K
      Value
      $8.7K
      As of
      Jun 30, 2026
      View
      Off-Exchange
      Off-exchange %
      69.9%
      Week of
      May 4, 2026
      Off-exch Lit
      View
      Financials
      Financials
      Revenue (FY)
      $85.4M
      Net income (FY)
      $-2.5M
      EPS diluted
      $-0.09
      View
      Buybacks
      Authorized
      $4.0M
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jun 17, 2026
      This year
      9
      View
      Proposed Sales
      Value
      $489.5K
      Shares
      349.6K
      Filed
      Jan 9, 2026
      View
      Exempt Offerings
      Offering
      $3.0M
      Filed
      Oct 6, 2020
      View
      Earnings & Events
      Earnings Calls
      Last call
      May 13, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      USIO +4.7% +28.2% +64.0% -10.1% +64.0%
      SPY -0.1% +0.1% +9.0% +0.5% +10.1%
      vs SPY +4.8% +28.1% +55.0% -10.6% +53.9%

      Capital returns

      Buyback program · as of Mar 24, 2025
      Authorized
      $4.00M
      Spent (derived)
      Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1088034 CUSIP 917313108 13F (30d) 1 filings 1 filers Visit website