Usio, Inc. (USIO) Stock Price & Analysis
Usio, Inc. (USIO) rose 2.12% to USD 1.93 as of July 25, 2026 at 06:46 UTC, according to Nexqual real-time market data.
USIO last closed at USD 1.89; the session ranged USD 1.87–1.99 on volume of 118,224 shares. Market capitalization is $53.26M, with a 52-week range of USD 1.03–2.62 (NGM). Source: Nexqual, July 25, 2026 at 06:46 UTC.
Key Statistics (as of July 25, 2026 at 06:46 UTC)
| Price | USD 1.93 |
|---|---|
| Change | ▲ 2.12% (up) |
| Previous Close | USD 1.89 |
| Open | USD 1.89 |
| Day Range | USD 1.87 – 1.99 |
| 52-Week Range | USD 1.03 – 2.62 |
| Volume | 118,224 shares |
| Market Cap | $53.26M |
| Exchange | NGM |
Technical Analysis (USIO)
Nexqual's technical model rates USIO "BUY" based on 4 bullish and 2 bearish signals across 125 daily candles, as of July 25, 2026 at 06:46 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 46.11 (neutral) |
| vs SMA50 | Above (USD 1.88) |
| MACD | 0.02 (positive) |
Analyst Ratings (USIO)
Wall Street analysts rate USIO "None" based on 3 analysts, with a mean price target of USD 5.58 (range USD 4.5–6.25), per Nexqual as of July 25, 2026 at 06:46 UTC.
| Consensus Rating | None |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 5.58 |
| High Target | USD 6.25 |
| Low Target | USD 4.5 |
| Buy / Hold / Sell | 3 / 0 / 1 |
Earnings (USIO)
| Next Earnings Date | 2026-08-12 |
|---|---|
| EPS Estimate | USD -0.01 |
| Revenue Estimate | $23.67M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-03-31 | USD 0 vs est -0.02 ▲ beat |
| 2025-12-31 | USD -0.05 vs est 0.01 ▼ miss |
| 2025-09-30 | USD -0.02 vs est 0.01 ▼ miss |
| 2025-06-30 | USD -0.01 vs est -0 ▼ miss |
Source: Nexqual, July 25, 2026 at 06:46 UTC.
Financials & Fundamentals (USIO)
| Total Revenue | $88.85M |
|---|---|
| Revenue Growth (YoY) | +15.70% |
| Gross Margin | +22.53% |
| Operating Margin | +0.89% |
| Profit Margin | -2.42% |
| ROE | -11.61% |
| Debt / Equity | 26.86 |
| Current Ratio | 1.09 |
| Total Cash | $7.73M |
| Total Debt | $4.87M |
| Free Cash Flow | $117,511 |
Source: Nexqual, July 25, 2026 at 06:46 UTC.
Financial Health Score (USIO)
Nexqual rates Usio, Inc.'s overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 06:46 UTC.
| Growth | Mixed — Revenue +3.0% YoY (annual), slow |
|---|---|
| Profitability | Weak — Gross margin 23%, operating 1% |
| Balance Sheet | Strong — $8M cash vs $5M debt, net cash position |
| Cash Flow | Mixed — FCF $118K, slim 0.1% margin |
| Efficiency | Critical — ROE -12%, ROA -1.0% |
Ownership (USIO)
| Insider Ownership | +30.73% |
|---|---|
| Institutional Ownership | +25.89% |
| Shares Outstanding | 27.60M |
| Float | 19.19M |
| Short % of Float | +0.34% |
Source: Nexqual, July 25, 2026 at 06:46 UTC.
Leadership (USIO)
Usio, Inc. is led by Louis A. Hoch (age 59), Co-Founder, Chairman, President, CEO & COO, per Nexqual as of July 25, 2026 at 06:46 UTC.
| Co-Founder, Chairman, President, CEO & COO | Louis A. Hoch (age 59) |
|---|---|
| Senior VP of Corporate Development & Prepaid Products and Chief Product Officer | Houston Korth Frost (age 43) |
| Executive VP of Payment Acceptance & Chief Revenue Officer | Gregory Mark Carter (age 61) |
| Chief Technology Officer & Senior VP | Kenneth Wayne Keller (age 59) |
| Senior Vice President of Investor Relations | Paul M. Manley |
Major Backers & Investors (USIO)
Notable institutional backers of Usio, Inc. include Whittier Trust Company, Perkins Capital Management, Inc., Jacob Funds Inc.-Jacob Discovery Fund, according to Nexqual as of July 25, 2026 at 06:46 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Whittier Trust Company | 9.83% |
| Perkins Capital Management, Inc. | 2.54% |
| Jacob Funds Inc.-Jacob Discovery Fund | 1.49% |
| Renaissance Technologies | 1.45% |
| NORTHERN LIGHTS FUND TRUST II-North Star Micro Cap Fund | 1.23% |
| North Star Investment Management Corp | 0.65% |
| Citadel | 0.65% |
| Stonebridge Wealth Management, LLC | 0.64% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 6.92% |
| Geode Capital | 0.43% |
Source: Nexqual, July 25, 2026 at 06:46 UTC.
From Usio, Inc.'s Latest SEC 10-K Filing (filed 2026-03-18)
Key Strengths & Strategy (as disclosed to the SEC)
- The added value of offering our integration partners access to real-time merchant enrollment, credit card, debit card, ACH and prepaid card issuance capabilities through a single vendor partner relationship in face-to-face, mobile and virtual payment acceptance environments provides a true single channel commerce experience through an application programming interface, or API.   Prepaid and Incentive Card Services.
- Leveraging the latest in cloud computing and cybersecurity, including Microsoft Azure's robust security features, we work to ensure the protection of data transmissions and transactions.
- Our proprietary platform merges ACH and card processing capabilities, enabling businesses to handle both e-checks and card payments efficiently.
- State privacy laws—including the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), as well as laws adopted in New York, Nevada, Virginia, Colorado, Connecticut and Utah—continue to expand consumer data‑access, deletion, correction and opt‑out rights, and impose enhanced operational and cybersecurity requirements.
Partnerships
- Our direct Fed ACH system integration, facilitated by our NACHA certification, exemplifies our efforts to optimize processing efficiency, reduce costs, and enhance merchant services.   Prepaid and Incentive Card Services . Our Prepaid and Incentive Card Issuance Services are anchored by our sophisticated processing platform, which supports an array of card program types in partnership with prominent banks and offers highly customizable digital solutions.
- Further, in December 2024, we partnered with an outsourced presorting company to further automate our print and mail systems.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
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Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 06:46 UTC. This page is informational and not investment advice.