USIO
Usio IncNASDAQ
Technology • Software - Infrastructure
Factor tilt: Micro-Cap Momentum
$2.96+1.02%
Close Nov 6, 2026
- Market cap
- $82.35M
- 1 month
- +4.2%
- 3 months
- +34.5%
- 1 year
- +98.7%
- 52-week range
- $1.05$3.25
- Dividend
- No dividends on record
- Short interest
- 0.2% of float49.5K shares · settled Oct 15, 2026 · -22.3% since Sep 30, 2026 · FINRA
Fundamentals · trailing 12 months to Jun 30, 2026
- Revenue
- $92.57M
- Net income
- -$1.51M
- Free cash flow
- -$1.34M
- Book value
- $18.79M
- Total debt
- $3.7M
- P/E
- —
- Price / sales
- 0.9×
- Price / book
- 4.4×
- FCF yield
- -1.6%
- Net margin
- -1.6%
EODHD (TTM) · as of Nov 6, 2026
End-of-day close from stored market data, not a live quote.
About Usio Inc
Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing for fund transfers; and credit, prepaid card, and debit card-based processing services.
Read more
Its ACH transaction processing services includes represented check and check conversion for electronic payment facilitation. In addition, the company offers integrated electronic payment processing services to merchants and businesses, including credit, and debit card-based processing services and electronic funds transfer through the ACH network. In addition, it offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, and Discover supported by online and physical terminal access. Further, it provides a proprietary platform, enabling businesses to handle both e-checks and card payments; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a payment facilitation platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.
- Website
- usio.com
- Headquarters
- San Antonio, TX, United States
- Employees
- 107
- Listed
- Jan 2, 2001
- Fiscal year ends
- December
Company profile from EODHD, stored Oct 27, 2026.
Quarterly results
The last 8 fiscal quarters as reported (EODHD). Year over year compares the same quarter a year earlier.
| Quarter | Revenue | YoY | Gross margin | Op. income | Net income |
|---|---|---|---|---|---|
| Jun 2026filed Aug 12, 2026 | $23.7M | +18.6% | 24.2% | $376.9K | $280.1K |
| Mar 2026filed May 13, 2026 | $25.5M | +15.7% | 19.3% | $225.7K | $122.5K |
| Dec 2025filed Mar 18, 2026 | $22.2M | +8.2% | 21.9% | -$1.3M | -$1.5M |
| Sep 2025filed Nov 12, 2025 | $21.2M | -0.7% | 23.0% | -$464.2K | -$415.1K |
| Jun 2025filed Aug 6, 2025 | $20.0M | -0.6% | 23.4% | -$397.0K | -$366.7K |
| Mar 2025filed May 14, 2025 | $22.0M | +8.3% | 21.9% | -$239.6K | -$235.0K |
| Dec 2024filed Mar 26, 2025 | $20.6M | +6.2% | 24.6% | -$602.8K | $628.9K |
| Sep 2024filed Nov 6, 2024 | $21.3M | +1.6% | 23.0% | -$376.7K | $2.9M |
Fiscal years · last 6
| Fiscal year | Revenue | YoY | Gross margin | Op. income | Net income |
|---|---|---|---|---|---|
| Dec 2025filed Mar 18, 2026 | $85.4M | +3.0% | 23.1% | -$2.4M | -$2.5M |
| Dec 2024filed Mar 26, 2025 | $82.9M | +0.4% | 23.7% | -$1.5M | $3.3M |
| Dec 2023filed Mar 27, 2024 | $82.6M | +19.0% | 22.5% | -$1.9M | -$475.1K |
| Dec 2022filed Mar 8, 2023 | $69.4M | +12.1% | 21.0% | -$5.2M | -$5.5M |
| Dec 2021filed Mar 17, 2022 | $61.9M | +92.1% | 25.2% | -$155.4K | -$321.6K |
| Dec 2020filed Mar 30, 2021 | $32.3M | +14.4% | 22.9% | -$3.8M | -$2.9M |
Short-interest history
FINRA reports open short positions for a settlement date. The publication date is later. These are reported positions, with a separate date for each observation.
Compare the reported short exposure around the dates you bought, sold or watched USIO. A long position benefits from price rises; a short position benefits from falls. A change in these counts does not predict either move.
Settlement Oct 15, 2026
49,549 shares short
-14,257 shares (-22.3%) vs Sep 30, 2026
0.2% of the stored float. Published Oct 26, 2026.
Settlement Sep 30, 2026
63,806 shares short
+10,112 shares (+18.8%) vs Sep 15, 2026
0.3% of the stored float. Published Oct 9, 2026.
Settlement Sep 15, 2026
53,694 shares short
-10,232 shares (-16%) vs Aug 31, 2026
Share of float unavailable. Published Sep 24, 2026.
Settlement Aug 31, 2026
63,926 shares short
+8,520 shares (+15.4%) vs Aug 14, 2026
Share of float unavailable. Published Sep 10, 2026.
Settlement Aug 14, 2026
55,406 shares short
-10,898 shares (-16.4%) vs Jul 31, 2026
Share of float unavailable. Published Aug 25, 2026.
Settlement Jul 31, 2026
66,304 shares short
-9,457 shares (-12.5%) vs Jul 15, 2026
Share of float unavailable. Published Aug 11, 2026.
Change = this settlement’s shares short − the previous recorded settlement’s shares short; percentage change divides by that earlier count. A zero earlier count has no percentage change. Split-spanning counts are left uncompared. Float percentages use the stored settlement observation, not today’s float.
Source: stored FINRA equity short-interest records, up to six settlements from the last 240 days. FINRA data and reporting dates · How to read short interest
Dividends and stock splits
See the recorded cash amounts and dates behind USIO’s income, and the splits that change its share count. Dates below are stored event records, not confirmation of a payment to your account.
Cash-dividend records
No qualified cash-dividend records are stored. This does not establish that the company pays no dividend.
Up to six Polygon cash-dividend events, including recorded ex-dates within the next 120 days. Amounts retain their recorded currency and decimal precision. Historical amounts are not restated to a common split basis, annualized, or converted to dollars.
For a long holding, compare the ex-date with when you held the shares and check the pay date against your broker’s cash history. Owning the stock today does not establish past entitlement. For a short holding, a dividend can create a payment obligation to the share lender.
Ex-dates and special dividend rules · Short-sale dividend obligations · Dividend data definitions
Split history
1 for 15 · reverse split
Effective Jul 23, 2015
Each 15 pre-split shares become 1 post-split share.
Source: EODHD
Up to six stored split dates through Nov 7, 2026. Equivalent vendor ratios are combined; conflicting ratios are left out. This history may be incomplete.
A split changes the share count and per-share price basis; it does not by itself add investment value. Put your holding’s earlier and later share counts on the same basis before comparing them. This applies to both long shares and shares owed on a short position.
How stock splits workPortfolio context
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Smart money context
Holder IQ: MEDIUM
6 smart-money holders: institutions with a high Holder IQ
Q2 2026, filed Sep 22, 2026
Insider context
Sentiment: unknown
No recent insider trades detected.
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What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
No directional recent-activity label is available. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Red flags: 6
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
No directional recent-activity label is available. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Largest 13-F holders · Q2 2026
33 filers reported a long position in USIO for Q2 2026. 13-F holdings are filed up to 45 days after the quarter ends.
The top 10 hold
90%
of the 6.2M shares 13-F filers reported
Moves vs Q1 2026
5 added2 trimmed
1 new · 2 unchanged
Net shares held
+2.5%
across the 9 holders with a comparable Q1 2026 book
| Rank | Holder | Value | Shares | Shares vs Q1 2026 |
|---|---|---|---|---|
| 1 | WHITTIER TRUST CO | $6.4M · 2.7M shares | 2.7M | Unchanged |
| 2 | VANGUARD CAPITAL MANAGEMENT LLC | $2.3M · 917.5K shares | 917.5K | +1.7% |
| 3 | PERKINS CAPITAL MANAGEMENT INC | $1.7M · 700.4K shares | 700.4K | -0.2% |
| 4 | RENAISSANCE TECHNOLOGIES LLC | $1.1M · 437.2K shares | 437.2K | +9.1% |
| 5 | GEODE CAPITAL MANAGEMENT, LLC | $457.7K · 184.5K shares | 184.5K | +54.9% |
| 6 | North Star Investment Management Corp. | $446.4K · 180K shares | 180K | Unchanged |
| 7 | Stonebridge Wealth Management, LLC | $439.2K · 177.1K shares | 177.1K | New |
| 8 | BlackRock, Inc. | $277.2K · 111.8K shares | 111.8K | +21.5% |
| 9 | VANGUARD FIDUCIARY TRUST CO | $260.8K · 105.2K shares | 105.2K | +0.8% |
| 10 | Rothschild Wealth LLC | $197.7K · 79.7K shares | 79.7K | -7% |
Sign in to see each holder’s Holder IQ, factor-adjusted Holder IQ and rank, and compare these holders with all scored filers. Available on every plan.
Sign in5% holder filings (13D / 13G)
Holders of more than 5% of USIO file with the SEC within days. A 13D holder may seek to influence the company; a 13G holder is passive. Each holder’s latest filing from the last three years.
| Filed | Holder | % of class |
|---|---|---|
| Aug 25, 2026 | TALL PINES CAPITAL LLC13G · passive | 5.36% |
| May 18, 2026 | WHITTIER TRUST CO13G · passive · amended | 9.83% |
| May 18, 2026 | National Services, Inc13G · passive · amended | 9.86% |
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