Usio, Inc. (USIO)
Nasdaq · Functions Related To Depository Banking, Nec · Finance, insurance and real estate · CIK 1088034 · fiscal year ends in Dec
Closing price $2.91 on 30 Oct 2026; 52-week range $1.05 to $3.23.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $92.6M
- Revenue growth
- 10.4%
- Net income, last twelve months
- -$1.5M
- Earnings per share
- -$0.06
- Gross margin
- 22.3%
- Operating margin
- -1.2%
- Net margin
- -1.6%
- Return on equity
- -8.0%
- Market value
- $83.0M
- Cash
- $6.4M
- Debt
- $1.3M
- Debt to equity
- 0.07
- Shares outstanding
- 28.5M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $85.4M | -$2.4M | -$2.5M | -$0.09 | $1.1M | 10-K filed 18 Mar 2026 |
| FY2024 | 31 Dec 2024 | $82.9M | -$1.5M | $3.3M | $0.12 | $2.7M | 10-K filed 26 Mar 2025 |
| FY2023 | 31 Dec 2023 | $84.1M | -$447.4K | -$475.1K | -$0.02 | $2.7M | 10-K filed 27 Mar 2024 |
| FY2022 | 31 Dec 2022 | $69.4M | -$5.2M | -$5.5M | -$0.27 | -$17.8M | 10-K filed 8 Mar 2023 |
| FY2021 | 31 Dec 2021 | $61.9M | -$155.4K | -$321.6K | -$0.02 | $28.5M | 10-K filed 17 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $23.7M | $280.1K | $0.01 |
| Q1 FY2026 | 31 Mar 2026 | $25.5M | $122.5K | $0.00 |
| Q4 FY2025 | 31 Dec 2025 | $22.2M | -$1.5M | -$0.05 |
| Q3 FY2025 | 30 Sep 2025 | $21.2M | -$415.1K | -$0.02 |
| Q2 FY2025 | 30 Jun 2025 | $20.0M | -$366.7K | -$0.01 |
| Q1 FY2025 | 31 Mar 2025 | $22.0M | -$235.0K | -$0.01 |
| Q4 FY2024 | 31 Dec 2024 | $20.6M | $628.9K | $0.02 |
| Q3 FY2024 | 30 Sep 2024 | $21.3M | $2.9M | $0.10 |
Revenue by segment
As the company reports it in the segment note of its annual report.
By business, FY2025
| Segment | Revenue | Share |
|---|---|---|
| Merchant Services | $64.6M | 75.6% |
| Output Solutions | $20.8M | 24.4% |
By product, FY2025
| Segment | Revenue | Share |
|---|---|---|
| Credit Card Revenue | $30.0M | 35.1% |
| ACH and Complementary Service Revenue | $22.2M | 26.0% |
| Output Solutions | $20.6M | 24.2% |
| Prepaid Card Services Revenue | $11.0M | 12.9% |
| ACH and Complementary Service Interest Revenue | $745.3K | 0.9% |
| Prepaid Card Services Interest Revenue | $615.4K | 0.7% |
| Output Solutions Interest | $170.9K | 0.2% |
Company events
The newest 8-K filings of 132 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 19 Oct 2026 | 8-K | Investor update | 7.01, 9.01 |
| 12 Aug 2026 | 8-K | Results | 2.02, 9.01 |
| 17 Jun 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 16 Jun 2026 | 8-K/A | Shareholder vote, Shareholder rights change, Bylaws or fiscal year change, Investor update | 3.03, 5.03, 5.07, 7.01, 9.01 |
| 10 Jun 2026 | 8-K | Shareholder vote, Bylaws or fiscal year change, Investor update | 5.03, 5.07, 7.01, 9.01 |
| 13 May 2026 | 8-K | Results | 2.02, 9.01 |
| 18 Mar 2026 | 8-K | Results | 2.02, 9.01 |
| 27 Jan 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 12 Nov 2025 | 8-K | Results | 2.02, 9.01 |
| 29 Aug 2025 | 8-K | Leadership change | 5.02, 9.01 |
| 27 Aug 2025 | 8-K | Leadership change | 5.02, 9.01 |
| 18 Aug 2025 | 8-K | Leadership change | 5.02, 9.01 |
Every filing
The newest filings with the SEC of 375 held.
| Filed | Form | Period |
|---|---|---|
| 19 Oct 2026 | 8-K | 19 Oct 2026 |
| 12 Aug 2026 | 10-Q | 30 Jun 2026 |
| 12 Aug 2026 | 8-K | 12 Aug 2026 |
| 17 Jun 2026 | 8-K | 17 Jun 2026 |
| 16 Jun 2026 | 8-K/A | 10 Jun 2026 |
| 10 Jun 2026 | 8-K | 10 Jun 2026 |
| 13 May 2026 | 8-K | 13 May 2026 |
| 13 May 2026 | 10-Q | 31 Mar 2026 |
| 29 Apr 2026 | DEFA14A | – |
| 29 Apr 2026 | DEF 14A | 9 Jun 2026 |
| 18 Mar 2026 | 8-K | 18 Mar 2026 |
| 18 Mar 2026 | 10-K | 31 Dec 2025 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 10 Mar 2026 | National Services, Inc, 10% owner | Sale outside a trading plan | 10,000 | $1.27 | $12.7K | 2,721,272 | 11 Mar 2026 |
| 9 Mar 2026 | National Services, Inc, 10% owner | Sale outside a trading plan | 8,860 | $1.31 | $11.6K | 2,731,272 | 11 Mar 2026 |
| 6 Mar 2026 | National Services, Inc, 10% owner | Sale outside a trading plan | 6,697 | $1.35 | $9.0K | 2,740,132 | 9 Mar 2026 |
| 5 Mar 2026 | National Services, Inc, 10% owner | Sale outside a trading plan | 2,787 | $1.38 | $3.8K | 2,746,829 | 9 Mar 2026 |
| 27 Jan 2026 | National Services, Inc, 10% owner | Sale outside a trading plan | 5,922 | $1.36 | $8.0K | 2,749,616 | 28 Jan 2026 |
| 26 Jan 2026 | National Services, Inc, 10% owner | Sale outside a trading plan | 4,502 | $1.35 | $6.1K | 2,755,538 | 28 Jan 2026 |
| 23 Jan 2026 | National Services, Inc, 10% owner | Sale outside a trading plan | 8,961 | $1.34 | $12.0K | 2,760,040 | 26 Jan 2026 |
| 22 Jan 2026 | National Services, Inc, 10% owner | Sale outside a trading plan | 7,484 | $1.37 | $10.2K | 2,769,001 | 26 Jan 2026 |
| 21 Jan 2026 | National Services, Inc, 10% owner | Sale outside a trading plan | 7,512 | $1.36 | $10.2K | 2,776,485 | 22 Jan 2026 |
| 20 Jan 2026 | National Services, Inc, 10% owner | Sale outside a trading plan | 10,000 | $1.36 | $13.6K | 2,783,997 | 22 Jan 2026 |
| 16 Jan 2026 | National Services, Inc, 10% owner | Sale outside a trading plan | 6,043 | $1.36 | $8.2K | 2,793,997 | 20 Jan 2026 |
| 15 Jan 2026 | National Services, Inc, 10% owner | Sale outside a trading plan | 5,612 | $1.37 | $7.7K | 2,800,040 | 20 Jan 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 9 Jan 2026 | National Services Inc., 10% Stockholder | 349,610 | $489.5K | 12 Jan 2026 |
| 9 Jan 2026 | Whittier Trust Company, 10% Stockholder | 349,610 | $489.5K | 12 Jan 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 25 Aug 2026 | TALL PINES CAPITAL, LLC | 13G | 5.36% | 1.7M |
| 18 May 2026 | Whittier Holdings, Inc. | 13G amended | 9.83% | 2.7M |
| 18 May 2026 | National Services, Inc. | 13G amended | 9.86% | 2.7M |
| 29 Dec 2025 | National Services, Inc. | 13G amended | 10.3% | 2.8M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 49.5K | -22.34% | 1 |
| 30 Sep 2026 | 63.8K | +18.83% | 1 |
| 15 Sep 2026 | 53.7K | -16.01% | 1 |
| 31 Aug 2026 | 63.9K | +15.38% | 1 |
| 14 Aug 2026 | 55.4K | -16.44% | 1 |
| 31 Jul 2026 | 66.3K | -12.48% | 1 |
| 15 Jul 2026 | 75.8K | +46.98% | 1 |
| 30 Jun 2026 | 51.5K | +1.48% | 1 |
Funds that hold it
From each fund's latest Form 13F.
34 funds held it at 30 Jun 2026: 15 added and 9 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| Whittier Trust Co. | 2,713,852 | $6.4M | 0 |
| Vanguard Capital Management LLC | 917,455 | $2.3M | +15,296 |
| Perkins Capital Management Inc. | 700,371 | $1.7M | -1,561 |
| Renaissance Technologies LLC | 437,241 | $1.1M | +36,500 |
| Geode Capital Management, LLC | 184,503 | $457.7K | +65,386 |
| North Star Investment Management Corp. | 180,000 | $446.4K | 0 |
| Stonebridge Wealth Management, LLC | 177,084 | $439.2K | +177,084 |
| BlackRock, Inc. | 111,768 | $277.2K | +19,778 |
| Vanguard Fiduciary Trust Co. | 105,174 | $260.8K | +784 |
| Rothschild Wealth LLC | 79,700 | $197.7K | -6,000 |
Peers
Companies in the same industry.
- Euronet Worldwide, Inc. (EEFT): revenue $4.4B, market value $2.4B