USIO · Usio, Inc.
Market Cap
$66.39M
Shares
28.50M
Volume · Oct 5
72.22K
Avg daily vol (3M)
341.46K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$2.93
Open$2.83
Day$2.77–2.94
52W close$1.05–2.94
Avg vol 30d304K
Short int54K · 0.2% float · 1.0d
Short vol44%
Last earningsAug 12, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 12
Up next
Next earnings call
Nov 15, 2026
Est · unconfirmed
· in 6 wks
filed Aug 12, 2026
call held May 13, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$92.57M
Trailing 12 months
Net income (TTM)
−$1.51M
Trailing 12 months
Revenue growth YoY
+18.6%
Year over year
Operating margin
-1.2%
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
-0.4%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$5.13M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+5.2%
Year over year · more shares
Price change (1Y)
+109.3%
Trailing year
Short interest
0.2%
Latest settlement · 1.0 days to cover
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very High
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+69%
above
Price vs 50-day avg
+19%
above
RSI (14)
70
neutral
MACD trend
Positive
52-week position
99%
near high
Volume (OBV)
Bearish div.
distributing
Momentum
relative strength
1-month return
+7%
trailing
6-month return
+153%
trailing
YTD return
+115%
this year
Relative strength
+140%
vs S&P · 6-mo
Sentiment
smart money
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
0.19% of float · ▼ -16.0% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
33 holders — mid 3-yr range
Squeeze score
42
elevated · 0–100
Fundamentals
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
Volatility
59%
annualized · 1-yr
Max drawdown
−30%
past year
ATR
6.3%
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.
Guidance & track record
Latest guidance
· from the 8-K filed Aug 12, 2026
Full year revenues
· full year
14% – 16%
Guided vs delivered
· last 2 settled
EPS expectations
fiscal 2024
guided $0.00 – $0.03
$0.12
Beat +700.0%
Revenue
for the year
guided $56M – $59M
$61.94M
Beat +7.7%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+69%
Bullish
Price vs 50-day avg
+19%
Bullish
RSI (14)
70
Neutral
MACD trend
Positive
Bullish
52-week position
99%
Bullish
Volume (OBV)
Bearish div.
Bearish
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
0.19% of float · ▼ -16.0% 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 · 99%
Range high $3
vs 200-day avg +69%
vs 50-day avg +19%
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 |
|---|---|---|---|
| ACH (eCheck) transaction counts growth | 34% | the second quarter of 2026 filing | — |
| Adjusted EBITDA non-GAAP | $1.9M | six months ended June 30, 2026 | — |
| Adjusted EBITDA margins non-GAAP | 3.9% | Six Months Ended June 30, 2026 | — |
| Credit card dollars processed growth | 13% | the second quarter of 2026 filing | — |
| Credit card transaction count growth | 19% | the second quarter of 2026 filing | — |
| EBITDA non-GAAP | $1,114,388 | Six Months Ended June 30, 2026 | — |
| Electronic check dollars processed growth | 28% | the second quarter of 2026 filing | — |
| Gross profit percentage of revenue | 24.2% | the quarter ended June 30, 2026 filing | — |
| Output Solutions electronic only documents delivered | 29.8M | the second quarter of 2026 filing | — |
| Output Solutions total mail pieces processed and delivered | 7.8M | the second quarter of 2026 filing | — |
| Prepaid card load volumes | $65M | the second quarter of 2026 filing | — |
| Prepaid card purchase volume growth | 11% | the second quarter of 2026 filing | — |
| Returned check transactions processed growth | 35% | the second quarter of 2026 filing | — |
| Total payment dollars processed | $2.47B | Q2 2026 | — |
| Total payment transactions processed | 17.9M | Q2 2026 | — |
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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
USIO
this stock
Usio, Inc.
|
$66.39M | +115.4% | +12.7% | — | 0.2% |
|
MSFT
Microsoft Corp
|
$3.83T | +7.0% | +6.9% | 28.8 | 0.9% |
|
PLTR
Palantir Technologies Inc.
|
$455.79B | +6.2% | +56.2% | 162.1 | 2.5% |
|
ORCL
Oracle Corp
|
$414.55B | -27.0% | +17.3% | 21.5 | 1.7% |
|
PANW
Palo Alto Networks Inc
|
$306.54B | +118.9% | +29.0% | — | 2.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| USIO | +25.8% | +6.9% | +152.6% | +8.9% | +115.4% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +26.0% | +7.4% | +140.4% | +8.0% | +102.6% |
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.