Stock Fundamentals

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
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 include Represented Check and Check Conversion for electronic payment facilitation. In addition, the company 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. Further, 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

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. 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. Paul M. Manley Senior Vice President of Investor Relations NA
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

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Whittier Trust Co 2.81M Sep 30, 2025 10.27% $0.05 0.00%
Vanguard Group Inc 1.01M Dec 31, 2025 3.70% $0.00 1.49%
Perkins Capital Management Inc 705.93K Dec 31, 2025 2.59% $0.76 -17.74%
Perritt Capital Management Inc. 413.70K Sep 30, 2025 1.51% $0.28 -0.36%
Renaissance Technologies Corp 406.14K Dec 31, 2025 1.49% $0.00 -7.95%
Geode Capital Management, LLC 180.49K Sep 30, 2025 0.66% $0.00 0.00%
Bridgeway Capital Management, LLC 101.00K Dec 31, 2025 0.37% $0.00 0.00%
BlackRock Inc 94.76K Sep 30, 2025 0.35% $0.00 12.87%
Citadel Advisors Llc 78.49K Sep 30, 2025 0.29% $0.00 103.70%
State Street Corp 76.79K Sep 30, 2025 0.28% $0.00 0.00%
Morgan Stanley - Brokerage Accounts 59.74K Sep 30, 2025 0.22% $0.00 -1.03%
GSA Capital Partners LLP 57.89K Dec 31, 2025 0.21% $0.01 -35.89%
The Goldman Sachs Group Inc 49.53K Sep 30, 2025 0.18% $0.00 -25.32%
Dimensional Fund Advisors, Inc. 46.42K Dec 31, 2025 0.17% $0.00 0.00%
Advisor Group Holdings, Inc. 39.85K Sep 30, 2025 0.15% $0.00 40.56%
Northern Trust Corp 33.40K Sep 30, 2025 0.12% $0.00 0.00%
O'Shaughnessy Asset Management LLC 31.69K Sep 30, 2025 0.12% $0.00 -46.08%
Comprehensive Portfolio Management, LLC 27.32K Dec 31, 2025 0.10% $0.00 22.80%
Jane Street Group LLC 26.98K Sep 30, 2025 0.10% $0.00 0.00%
XTX Topco Ltd 23.64K Sep 30, 2025 0.09% $0.00 -19.11%

Shares Statistics

Shares Outstanding: 27.31M
Shares Float: 19.29M
% Insiders: 2,822.10%
% Institutions: 1,680.70%
Short % Float: 0.07%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Whittier Trust Co 2.81M 10.27% ▲ 0.00% Sep 30, 2025
2 Vanguard Group Inc 1.01M 3.70% ▲ 1.49% Dec 31, 2025
3 Perkins Capital Management Inc 705.93K 2.59% ▼ 17.74% Dec 31, 2025
4 Perritt Capital Management Inc. 413.70K 1.51% ▼ 0.36% Sep 30, 2025
5 Renaissance Technologies Corp 406.14K 1.49% ▼ 7.95% Dec 31, 2025
6 Geode Capital Management, LLC 180.49K 0.66% ▲ 0.00% Sep 30, 2025
7 Bridgeway Capital Management, LLC 101.00K 0.37% ▲ 0.00% Dec 31, 2025
8 BlackRock Inc 94.76K 0.35% ▲ 12.87% Sep 30, 2025
9 Citadel Advisors Llc 78.49K 0.29% ▲ 103.70% Sep 30, 2025
10 State Street Corp 76.79K 0.28% ▲ 0.00% Sep 30, 2025

Valuation Metrics

Enterprise Value: $32.37M
Trailing P/E: 0.00
Forward P/E: 44.64

Financial Highlights

Market Cap: $36.87M
EBITDA: $245.27K
Book Value: $0.68
Earnings/Share: $-0.02
Profit Margin: -0.46%
Operating Margin: -2.19%
ROA (TTM): -1.00%
ROE (TTM): -2.06%
Revenue (TTM): $83.71M
Revenue/Share (TTM): $3.12
Earnings Growth (YOY): -63.30%
Revenue Growth (YOY): -0.70%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios (Yearly)

Financial Ratios (Quarterly)

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2024-12-31 1.12x 0.07x 0.82x -27.33x 0.44x
2023-12-31 1.09x 0.10x 0.86x -369.57x 0.77x
2022-12-31 1.07x 0.05x 0.86x -1,287.20x -0.28x
2021-12-31 1.08x 0.03x 0.86x -36.02x 0.25x
2020-12-31 1.09x 0.02x 0.80x -2.23x -0.15x
2019-12-31 1.03x 0.05x 0.88x -103.04x -0.12x
2018-12-31 1.04x 0.01x 0.86x N/A -0.04x
2017-12-31 1.09x 0.00x 0.81x N/A 0.00x
2016-12-31 1.07x 0.00x 0.87x N/A 0.00x
2015-12-31 1.07x 0.00x 0.87x N/A 0.00x
2014-12-31 1.05x 7.41x 0.89x N/A 22.77x
2013-12-31 1.01x 40.21x 0.98x N/A -35.49x
2012-12-31 1.42x 0.04x 0.59x N/A 0.07x
2011-12-31 0.95x 0.49x 0.88x N/A 0.80x
2010-12-31 0.54x 0.00x 1.07x N/A 0.00x
2009-12-31 0.33x 0.00x 1.76x N/A 0.00x
2008-12-31 0.29x 0.00x 1.61x -3,995.98x 0.00x
2007-12-31 0.31x 0.00x 2.01x -19.40x 0.00x
2006-12-31 0.36x -0.64x 1.94x -13.69x -0.33x
2005-12-31 0.36x 0.00x 2.00x -9.57x 0.00x
2004-12-31 0.23x -0.36x 2.74x -31.23x -0.20x
2003-12-31 0.94x 0.00x 0.77x -30.53x 0.00x
2002-12-31 0.51x -5.30x 1.07x -7.43x -0.76x
2001-12-31 4.82x 0.02x 0.15x -268.61x -0.05x
2000-12-31 2.49x 0.15x 0.28x -145.77x -0.09x
1999-12-31 6.23x 0.04x 0.16x N/A -0.06x

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

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