USIO

Usio Inc

USIO.US usio.com
2.45
-0.08 (-3.16%)
USD · NASDAQ
52-week range
1.03
3.06
Trading at 70% of the 52-week range
Market Cap
72.09M
P/E Ratio
0.00
Forward P/E
169.49
Book Value
0.66
Div. Yield
N/A
% Institutions
24.78%
% Insiders
35.08%

1 Year

+56.5%

3 Year

+45.8%

10 Year

+31.7%
Description

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. 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.

Company Information

Company Name
Usio Inc
Sector
Technology
Industry
Software - Infrastructure
Exchange
NASDAQ
ISIN: US9173131080
CIK: 0001088034
CUSIP: 70438S103
Currency: USD
Full Time Employees: 107
Phone: 210 249 4100
Website: usio.com
Fiscal Year End: December
IPO Date: Jan 02, 2001
Description:

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. 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.

Address:

3611 Paesanos Parkway, San Antonio, TX, United States, 78231

People

Directors & Officers

Name Title Year Born
Mr. Louis A. Hoch Co-Founder, Chairman, President, CEO & COO 1966
Mr. Michael White Senior VP, Chief Accounting Officer and Principal Accounting & Financial Officer 1997
Mr. Houston Korth Frost Ph.D. Senior VP of Corporate Development & Prepaid Products and Chief Product Officer 1982
Mr. Gregory Mark Carter Executive VP of Payment Acceptance & Chief Revenue Officer 1964
Mr. Kenneth Wayne Keller Chief Technology Officer & Senior VP 1966
Mr. Wayne Gonzales AAP, CAMS, CFE, CFI Senior VP & Chief Compliance Officer NA
Mr. Joseph Saahene AAP, C.P.P., CFE, J.D., M.B.A. VP & General Counsel NA
Mr. Joe Huch C.P.P. Vice President of Sales NA
Mr. Silas Green Senior Vice President of Output Solutions NA
Mr. Steve Peterson Senior Vice President of Emerging Markets NA

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Nov 11, 2022 Topline Capital Partners, Lp N/A Sale 357.53K $2.06 $736.51K
Nov 10, 2022 Topline Capital Management, Ll N/A Sale 39.99K $1.93 $77.19K
Nov 09, 2022 Topline Capital Partners, Lp N/A Sale 112.51K $2.11 $237.39K

Shareholders

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Whittier Trust Co 2.71M Mar 31, 2026 9.52% $0.04 0.00%
Vanguard Capital Management, LLC 902.16K Mar 31, 2026 3.17% $0.00 0.00%
Perkins Capital Management Inc 701.93K Mar 31, 2026 2.46% $0.75 -0.57%
Renaissance Technologies Corp 400.74K Mar 31, 2026 1.41% $0.00 -1.33%
Citadel Advisors Llc 180.08K Mar 31, 2026 0.63% $0.00 -14.98%
North Star Investment Management Corp 180.00K Jun 30, 2026 0.63% $0.02 0.00%
Stonebridge Wealth Management, LLC 177.08K Jun 30, 2026 0.62% $0.39 0.00%
Geode Capital Management, LLC 119.12K Mar 31, 2026 0.42% $0.00 -35.18%
Vanguard Fiduciary Trust Co 104.39K Mar 31, 2026 0.37% $0.00 0.00%
Bridgeway Capital Management, LLC 101.00K Mar 31, 2026 0.35% $0.00 0.00%
BlackRock Inc 91.99K Mar 31, 2026 0.32% $0.00 -5.19%
Sentinus, LLC 79.70K Jun 30, 2026 0.28% $0.02 -7.00%
State Street Corp 76.79K Mar 31, 2026 0.27% $0.00 0.00%
Susquehanna International Group, LLP 67.21K Mar 31, 2026 0.24% $0.00 -24.61%
Morgan Stanley - Brokerage Accounts 55.04K Mar 31, 2026 0.19% $0.00 -1.96%
Dimensional Fund Advisors, Inc. 46.42K Jun 30, 2026 0.16% $0.00 0.00%
Advisor Group Holdings, Inc. 46.35K Mar 31, 2026 0.16% $0.00 13.46%
Hanson Mcclain Inc 41.23K Mar 31, 2026 0.14% $0.00 0.00%
The Goldman Sachs Group Inc 39.60K Mar 31, 2026 0.14% $0.00 -17.30%
Northern Trust Corp 33.40K Mar 31, 2026 0.12% $0.00 0.00%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard MStar Total Stk Mkt Idx Invest 727.29K 2.55% ▲ 0.00% Jul 31, 2026
2 Jacob Discovery Fd Instl 405.10K 1.42% ▼ 1.22% Jun 30, 2026
3 Perritt MicroCap Opportunities Investor 340.00K 1.19% ▲ 0.00% Dec 31, 2025
4 Vanguard Institutional Extnd Mkt Idx Tr 181.95K 0.64% ▲ 3.18% Jul 31, 2026
5 North Star Micro Cap I 180.00K 0.63% ▲ 0.00% Jul 31, 2026
6 Fidelity Extended Market Index 99.68K 0.35% ▼ 0.19% Jul 31, 2026
7 iShares Micro-Cap ETF 66.46K 0.23% ▼ 1.95% Aug 31, 2026
8 EA Bridgeway Ultra-Small Company Mkt ETF 45.00K 0.16% ▲ 0.00% Aug 31, 2026
9 Spartan Extended Market Index Pool F 27.42K 0.10% ▲ 55.45% Jul 31, 2026
10 NT Ext Equity Mkt Index Fund - Lending 25.45K 0.09% ▲ 82.39% Jun 30, 2026

Financial Highlights

Market Cap: $72.09M
EBITDA: $377.19K
PEG Ratio: $0.95
Book Value: $0.66
Earnings/Share: $-0.06
Profit Margin: -1.63%
Operating Margin: 1.59%
ROA (TTM): -0.60%
ROE (TTM): -8.04%
Revenue (TTM): $92.57M
Revenue/Share (TTM): $3.36
Earnings Growth (YOY): -63.30%
Revenue Growth (YOY): 18.60%

Valuation Metrics

Enterprise Value: $71.18M
Trailing P/E: 0.00
Forward P/E: 169.49

Shares Statistics

Shares Outstanding: 28.50M
Shares Float: 20.02M
% Insiders: 35.08%
% Institutions: 24.78%
Short % Float: 0.24%

Stock Price History

1 Year Price History

3 Years Price History

10 Years Price History

Financial Charts

Revenue, Net Income & Operating Cash Flow (Yearly)

Revenue, Net Income & Operating Cash Flow (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

Open full waterfall
Line Item
Step Type
Value
Revenue
adjust
$85.39M
Cost of Goods Sold
adjust
$-65.70M
Gross Profit
subtotal
$19.69M
SG&A
adjust
$-20.11M
Other Operating Expense
adjust
$-1.95M
Operating Income
subtotal
$-2.36M
Other / Non-Operating Items
adjust
$-152.73K
Net Income
subtotal
$-2.51M

Earnings Per Share (EPS) History

Financial Ratios

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