Stock Scorecard

Stock Summary for Usio Inc (USIO) - $1.05 as of 3/21/2026 9:39:42 AM EST

Total Score

10 out of 30

Safety Score

17 out of 100

Currently on the following lists
None
Tim's Recommendation
Avoid

Growth List Algorithm Criteria for USIO

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for USIO

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for USIO

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for USIO

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for USIO (17 out of 100)

Stock Price Rating (Max of 10) 2
Historical Stock Price Rating (Max of 10) 2
Stock Price Trend (Max of 10) 2
Book Value (Max of 10) 1
Book Value to Price (Max of 10) 0
Analyst Buy Ratings (Max of 5) 3
Analyst Strong Buy Ratings (Max of 5) 3
Dividend Yield Percentage (Max of 10) 0
Operating Margin (Max of 10) 0
Trading Volume (Max of 10) 4
Price to Earnings (Max of 10) 0
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Financial Details for USIO

Company Overview
Ticker USIO
Company Name Usio Inc
Country USA
Description Usio, Inc., provides integrated electronic payment processing services to merchants and businesses in the United States. The company is headquartered in San Antonio, Texas.
Sector Name TECHNOLOGY
Industry Name SOFTWARE - INFRASTRUCTURE
Most Recent Quarter 12/31/2025
Next Earnings Date 4/1/2026

Stock Price History
Last Day Price 1.05
Price 4 Years Ago 1.65
Last Day Price Updated 3/21/2026 9:39:42 AM EST
Last Day Volume 106,244
Average Daily Volume 48,443
52-Week High 2.02
52-Week Low 1.03
Last Price to 52 Week Low 1.94%

Valuation Measures
Trailing PE N/A
Industry PE 76.38
Sector PE 80.64
5-Year Average PE -61.90
Free Cash Flow Ratio 3.89
Industry Free Cash Flow Ratio 11.73
Sector Free Cash Flow Ratio 26.31
Current Ratio Most Recent Quarter 1.08
Total Cash Per Share 0.27
Book Value Per Share Most Recent Quarter 0.65
Price to Book Ratio 1.64
Industry Price to Book Ratio 13.45
Sector Price to Book Ratio 9.68
Price to Sales Ratio Twelve Trailing Months 0.34
Industry Price to Sales Ratio Twelve Trailing Months 3.32
Sector Price to Sales Ratio Twelve Trailing Months 4.42
Analyst Buy Ratings 3
Analyst Strong Buy Ratings 1

Share Statistics
Total Shares Outstanding 27,307,800
Market Capitalization 28,673,190
Institutional Ownership 16.54%

Dividends
Ex-Dividend Date N/A
Previous Dividend Amount 0.0000
Current Dividend Amount 0.0000
Total Years Dividend Increasing N/A
Trailing Annual Dividend Rate 0.00
Trailing Annual Dividend Yield 2.62%
Forward Annual Dividend Rate 0.00
Forward Annual Dividend Yield 0.00%
5-Year Dividend Payments Count 0
3-Year Average Dividend Yield 0.00%
5-Year Average Dividend Yield 0.00%
1-Year Dividend Growth Rate Percentage 0.00%
3-Year Dividend Growth Rate Percentage 0.00%
5-Year Dividend Growth Rate Percentage 0.00%
All-Time Dividend Growth Rate Percentage 0.00%
Dividend Payout Ratio N/A

Income Statement
Quarterly Earnings Growth YOY -63.30%
Annual Earnings Growth -176.00%
Reported EPS 12 Trailing Months -0.02
Reported EPS Past Year -0.09
Reported EPS Prior Year 0.11
Net Income Twelve Trailing Months -2,512,339
Net Income Past Year -2,512,339
Net Income Prior Year 3,305,497
Quarterly Revenue Growth YOY 8.20%
5-Year Revenue Growth 21.50%
Operating Margin Twelve Trailing Months -5.66%

Balance Sheet
Total Cash Most Recent Quarter 7,434,051
Total Cash Past Year 7,434,051
Total Cash Prior Year 8,056,891
Net Cash Position Most Recent Quarter 6,839,335
Net Cash Position Past Year 6,862,189
Long Term Debt Past Year 571,862
Long Term Debt Prior Year 571,862
Total Debt Most Recent Quarter 594,716
Equity to Debt Ratio Past Year 0.97
Equity to Debt Ratio Most Recent Quarter 0.97
Total Stockholder Equity Past Year 17,912,403
Total Stockholder Equity Prior Year 19,156,963
Total Stockholder Equity Most Recent Quarter 17,912,403

Free Cash Flow
Free Cash Flow Twelve Trailing Months -435,012,964,492
Free Cash Flow Per Share Twelve Trailing Months -15,929.99
Free Cash Flow Past Year 1,078,738
Free Cash Flow Prior Year 1,904,370

Options
Put/Call Ratio 0.00
Has Options False
Liquidity Rating

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD 0.00
MACD Signal 0.00
20-Day Bollinger Lower Band 1.18
20-Day Bollinger Middle Band 1.36
20-Day Bollinger Upper Band 1.53
Beta 1.29
RSI 24.59
50-Day SMA 0.00
150-Day SMA 0.00
200-Day SMA 0.00

System
Modified 3/21/2026 9:40:28 AM EST