Usio (USIO) Stock Price, News & Analysis

Company Overview

Usio, Inc., headquartered in Atlanta, Georgia, is a provider of integrated payment and financial technology solutions to merchants, independent sales organizations, financial institutions and crypto-platform operators. Founded in 1981, the company has grown from a regional ATM operator into a diversified fintech platform serving customers across North America and Europe. Usio trades on the NASDAQ under the symbol USIO and maintains offices in key markets to support its expanding suite of payment services.

Through its Commerce Solutions segment, Usio offers end-to-end payment processing services, including point-of-sale terminals, e-commerce gateways, mobile payment acceptance and contactless card solutions. The segment leverages proprietary software and strategic partnerships with leading card networks to deliver secure, PCI-compliant processing for retail, hospitality, and professional service providers. Usio’s omni-channel approach enables merchants to manage in-store, online and mobile transactions through a unified cloud-based platform, enhancing reporting, reconciliation and customer engagement capabilities.

The company’s ATM Solutions segment operates, places and maintains a nationwide network of over 4,000 automated teller machines. Services include cash management, regulatory compliance, security monitoring and on-site technical support. Usio’s ATM footprint spans retail outlets, convenience stores, shopping centers and financial institutions, where it delivers surcharge-free and white-label ATM services. Recent strategic acquisitions have expanded Usio’s crypto ATM presence, allowing consumers to buy and sell digital assets at select locations.

Usio’s growth strategy combines organic product development with targeted acquisitions to broaden its technology stack and geographic reach. The leadership team is headed by CEO Peter C. Taber, who brings more than three decades of experience in payments and fintech, supported by a management group with deep expertise in operations, compliance and technology innovation. With a focus on scalable solutions and seamless integration, Usio continues to evolve its platform to meet the dynamic needs of merchants and financial partners worldwide.

Key Stats

• Today's Range: $1.65 to $1.90
• 50-Day Range: $1.37 to $1.84
• 52-Week Range: $1.24 to $2.92
• Volume: 444,389 shs
• Average Volume: 139,752 shs
• Market Capitalization: $48.78 million
• P/E Ratio: 16.73
• Dividend Yield: N/A
• Price Target: $4.00
• Consensus Rating: Hold

Usio Stock Analysis - MarketRank™

Usio scored higher than 65% of companies evaluated by MarketBeat, and ranked 180th out of 317 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.0 / 5
• Analyst Rating: Hold

Consensus Rating

Usio has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on 1 buy rating, no hold ratings, and 1 sell rating.

Amount of Analyst Coverage

Usio has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: Growing

Earnings Growth

Earnings for Usio are expected to grow in the coming year, from ($0.03) to $0.14 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Usio is 16.73, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of Usio is 16.73, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 28.63.

Price to Book Value per Share Ratio

Usio has a P/B Ratio of 2.59. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.15% of the float of Usio has been sold short.

Short Interest Ratio / Days to Cover

Usio has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Usio has recently increased by 7.76%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Usio does not currently pay a dividend.

Dividend Growth

Usio does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.15% of the float of Usio has been sold short.

Short Interest Ratio / Days to Cover

Usio has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Usio has recently increased by 7.76%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 4.0 / 5
• News Sentiment: 1.20

News Sentiment

Usio has a news sentiment score of 1.20. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.94 average news sentiment score of Business Services companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Usio this week, compared to 1 article on an average week.

Search Interest

3 people have searched for USIO on MarketBeat in the last 30 days.

MarketBeat Follows

1 people have added Usio to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Usio insiders have not sold or bought any company stock.

Percentage Held by Insiders

17.80% of the stock of Usio is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 20.23% of the stock of Usio is held by institutions.

USIO Stock Analysis - Frequently Asked Questions

How have USIO shares performed this year?

Usio's stock was trading at $1.46 at the beginning of the year. Since then, USIO stock has increased by 26.0% and is now trading at $1.84.

How were Usio's earnings last quarter?

Usio Inc (NASDAQ:USIO) issued its quarterly earnings results on Wednesday, May, 14th. The company reported ($0.01) earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.04 by $0.05. The company earned $22.01 million during the quarter, compared to analysts' expectations of $22.05 million. Usio had a trailing twelve-month return on equity of 0.74% and a net margin of 3.95%.
Read the conference call transcript.

How do I buy shares of Usio?

Shares of USIO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Usio own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Usio investors own include NVIDIA (NVDA), Broadcom (AVGO), Arista Networks (ANET), Jabil (JBL), Meta Platforms (META), e.l.f. Beauty (ELF) and Adobe (ADBE).

Company Calendar

• Last Earnings: 5/14/2025
• Today: 7/12/2025
• Next Earnings (Estimated): 8/13/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Business Services
• Industry: Financial Transaction Services
• Sub-Industry: Banking
• Current Symbol: NASDAQ:USIO
• CIK: 1088034
• Web: www.usio.com
• Phone: (210) 249-4100
• Fax: 210-249-4130
• Employees: 110
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Usio: $4.00
• High Price Target: $4.00
• Low Price Target: $4.00
• Potential Upside/Downside: +117.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.11
• Trailing P/E Ratio: 16.73
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $3.31 million
• Net Margins: 3.95%
• Pretax Margin: 0.82%
• Return on Equity: 0.74%
• Return on Assets: 0.12%

Debt

• Debt-to-Equity Ratio: 0.03
• Current Ratio: 1.12
• Quick Ratio: 1.11

Sales & Book Value

• Annual Sales: $82.93 million
• Price / Sales: 0.59
• Cash Flow: $0.10 per share
• Price / Cash Flow: 19.08
• Book Value: $0.71 per share
• Price / Book: 2.59

Miscellaneous

• Outstanding Shares: 26,510,000
• Free Float: 21,795,000
• Market Cap: $48.78 million
• Optionable: Optionable
• Beta: 1.49