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USIO · Usio, Inc.

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$2.76 +0.17 (+6.56%) At close · Aug 14
Market Cap
$65.68M
Shares
28.50M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$2.76 Open$2.64 Day$2.50–2.81 52W close$1.05–2.76 Avg vol 30d357K Short int66K · 0.2% float · 1.0d Short vol26% Last earningsAug 12, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 12

Up next

Next earnings call
Nov 15, 2026 Est · unconfirmed · in 13 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Aug 12, 2026

AI Brief

TL;DR.

Bullish
    Bearish

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

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Buy Momentum Very Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Very High
      Market backdrop VIX 14.3 · calm Equity put/call 0.52
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +80%
      above
      Price vs 50-day avg +32%
      above
      RSI (14) 73
      overbought
      MACD trend Positive
      52-week position 100%
      near high
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Very Strong
      1-month return +30%
      trailing
      6-month return +108%
      trailing
      YTD return +103%
      this year
      Relative strength +94%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $2 › 200d $2 — 50d above 200d
      Institutional flow Accumulating
      +18% holders QoQ · +6 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      0.23% of float · ▼ -12.5% MoM · 1.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      33 holders — mid 3-yr range
      Squeeze score 48
      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 −33%
      past year
      ATR 7.5%
      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.

      Guidance & track record

      Latest guidance · from the 8-K filed Aug 12, 2026
      full year 2026
      Revenues Initiated 14% – 16%
      Fiscal 2026
      Revenue growth Initiated 14% – 16%
      Prior guidance period ended · from the Earnings Call filed Jun 30, 2025
      Revenue growth · this year 5% – 12%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      1 · 2 · 4
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +80% Bullish
      Price vs 50-day avg
      +32% Bullish
      RSI (14)
      73 Bearish
      MACD trend
      Positive Bullish
      52-week position
      100% Bullish
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 2 of 6
      Trend (MA cross) No cross
      50d $2 › 200d $2 — 50d above 200d
      Institutional flow Accumulating
      +18% holders QoQ · +6 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      0.23% of float · ▼ -12.5% MoM · 1.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      33 holders — mid 3-yr range
      Price context
      position in its 52-week range
      Range low $1 Now $3 · 100% Range high $3
      vs 200-day avg +80% vs 50-day avg +32%

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

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Adjusted EBITDA margins non-GAAP 3.9% Six Months Ended June 30, 2026
      EBITDA non-GAAP $1,114,388 Six Months Ended June 30, 2026
      Total payment dollars processed through all payment channels $2.47B second quarter of 2026
      Operating cash flow $0.9M first quarter of 2026
      Total processing volume $8.4B full year 2025
      prepaid load volume 300M FY2025
      prepaid transactions 8M FY2025

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      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
      $65.68M +102.9% +12.7% 0.2%
      MSFT
      Microsoft Corp
      $3.68T +2.4% +6.9% 27.6 1.1%
      ORCL
      Oracle Corp
      $433.57B -22.8% +17.3% 25.8 1.7%
      PLTR
      Palantir Technologies Inc.
      $418.23B -2.1% +56.2% 148.8 2.8%
      PANW
      Palo Alto Networks Inc
      $313.18B +108.6% +29.0% 315.0 2.6%

      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
      33
      % held
      21.9%
      Net QoQ
      +148.1K sh
      Top holder
      WHITTIER TRUST CO
      Held Float
      View
      Held by Funds
      Fund positions
      12
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      66.3K
      Days to cover
      1.0d
      Change
      -9.5K sh
      View
      Short Volume
      Short vol %
      26%
      As of
      Aug 14, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      23
      Value
      $55
      As of
      Jul 7, 2026
      View
      Off-Exchange
      Off-exchange %
      58.5%
      Week of
      Jul 6, 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
      Aug 12, 2026
      This year
      12
      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
      Aug 12, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      USIO +19.0% +30.2% +107.5% +29.6% +102.9%
      SPY +0.4% +4.5% +13.8% +3.9% +13.9%
      vs SPY +18.6% +25.7% +93.8% +25.7% +89.1%

      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) 32 filings 32 filers Visit website