Stocks · Technology · Software - Infrastructure
Usio, Inc. USIO
$2.93 +3.90% Close, Oct 2, 2026 · NASDAQ · Market cap $80.9M
Strong trendLow risk
Next earnings report: Nov 11, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $-0.06, down 155.8% year over year.
- Over the past year the stock returned +113.9%, ahead of the S&P 500 by 98.8 percentage points.
- The stock is in an uptrend: above its 200-day average for 98 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Technology sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 44%
- EPS growth (TTM, YoY)Bottom 9%
- FCF growth (TTM, YoY)Bottom 5%
- Revenue growth, 3-year CAGRTop 49%
- Revenue growth accelerationTop 22%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 27%
- Gross marginBottom 15%
- Operating marginBottom 36%
- Accruals (lower is better)Bottom 21%
- Net debt / EBITDA (lower is better)Top 11%
- Interest coverBottom 16%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 30%
- Free-cash-flow yieldBottom 22%
- EBITDA / enterprise valueBottom 37%
- Sales / enterprise valueTop 10%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 8%
- 6-month returnTop 4%
- 1-year return vs S&P 500Top 11%
- Distance from 52-week highTop 9%
- Trend checklist (0–4)Top 18%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 11%
- Consecutive EPS beatsBottom 44%
- Share of analysts rating BuyTop 33%
- Upside to consensus price targetTop 15%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 39%
- Maximum drawdown, 3 yearsTop 45%
- Beta vs S&P 500 (lower is better)Top 3%
- Net debt / EBITDA (lower is better)Top 11%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.8% | 10.4% | ↑ |
| EPS growth (YoY) | -168.4% | -155.8% | ↑ |
| Gross margin | 23.2% | 22.0% | ↓ |
| Operating margin | -1.9% | -1.2% | ↑ |
| FCF margin | 7.7% | -1.4% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 10.4% | 5.8% | ↑ | Bottom 44% |
| EPS growth (TTM, YoY) | -155.8% | -168.4% | ↑ | Bottom 9% |
| Gross margin | 22.0% | 23.2% | ↓ | Bottom 15% |
| Operating margin | -1.2% | -1.9% | ↑ | Bottom 36% |
| Net margin | -1.6% | 3.4% | ↓ | — |
| Free-cash-flow margin | -1.4% | 7.7% | ↓ | — |
| Return on invested capital | -4.8% | — | Bottom 27% | |
| Revenue growth, 3-year CAGR | 7.1% | — | Top 49% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1883904.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +23.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -3.41×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -15.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.80%
- Shareholder yield
- 0.80%
- Share count change, 1 year
- +5.2%
- Share count change, 3-year CAGR
- +1.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 12, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- -64.0%
- Average 2-day reaction, last 8
- +0.0%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $5.50
- Target vs current price
- +87.7%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 75%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 12, 2026 | +500.0% | +6.7% | +10.3% | +15.2% | — |
| May 13, 2026 | +144.0% | +2.3% | +15.6% | +28.9% | +81.2% |
| Mar 18, 2026 | -600.0% | -3.2% | -9.6% | -5.6% | +36.8% |
| Nov 12, 2025 | -300.0% | -2.7% | -5.4% | +1.4% | -9.5% |
| Aug 6, 2025 | +0.0% | -1.6% | -20.5% | -25.8% | -24.2% |
| May 14, 2025 | -125.0% | -1.3% | -8.9% | -10.1% | -1.3% |
| Mar 26, 2025 | +100.0% | -3.6% | -10.9% | -6.7% | -12.7% |
| Nov 6, 2024 | +233.3% | +3.7% | +12.6% | +5.2% | +24.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 12, 2026 | $0.01 | -$0.00 | +500.0% | $23.7M |
| May 13, 2026 | $0.00 | -$0.01 | +144.0% | $25.5M |
| Mar 18, 2026 | -$0.05 | $0.01 | -600.0% | $22.2M |
| Nov 12, 2025 | -$0.02 | $0.01 | -300.0% | $21.2M |
| Aug 6, 2025 | -$0.01 | -$0.01 | +0.0% | $20.0M |
| May 14, 2025 | -$0.01 | $0.04 | -125.0% | $22.0M |
| Mar 26, 2025 | $0.02 | $0.01 | +100.0% | $20.6M |
| Nov 6, 2024 | $0.10 | $0.03 | +233.3% | $21.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 87.9× | — | — | — |
| EV / EBITDA | 99.3× | — | — | Bottom 37% |
| EV / Sales | 0.84× | — | — | Top 10% |
| Free-cash-flow yield | -1.66% | — | — | Bottom 22% |
| Earnings yield | -1.89% | — | — | Bottom 30% |
P/E over the past five years
Range 13.4× – 18.8× since Sep 30, 2024. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 4
- Days above the 200-day average
- 98
- 50-day average slope (20 days)
- +3.9%
- 200-day average slope (20 days)
- +6.5%
- Distance from 50-day average
- +18.7%
- Distance from 200-day average
- +69.5%
- RSI (14)
- 69.7
- Relative volume
- 0.95×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 69.5%
- Volatility vs own 5-year history
- 62th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.48
- Correlation with S&P 500
- 0.11
- Current drawdown from 1-year high
- -0.3%
- Maximum drawdown, 3 years
- -59.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 24, 2021 | Mar 20, 2026 | -87.3% | 1082 days | Not yet recovered |
| Feb 19, 2021 | Aug 24, 2021 | -37.2% | 129 days | 64 days (Nov 23, 2021) |
| Jan 8, 2021 | Jan 22, 2021 | -11.4% | 9 days | 5 days (Jan 29, 2021) |
| Dec 10, 2020 | Dec 14, 2020 | -10.3% | 2 days | 5 days (Dec 21, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $80.9M
- EPS, diluted (TTM)
- -$0.06
- Revenue (TTM)
- $92.6M
- 52-week range
- $1.03 – $3.06
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $61.9M | $69.4M | $82.6M | $82.9M | $85.4M |
| Gross profit | $15.6M | $14.6M | $18.6M | $19.6M | $19.7M |
| Operating income | -$155,381 | -$5.2M | -$1.9M | -$1.5M | -$2.4M |
| Net income | -$321,634 | -$5.5M | -$475,104 | $3.3M | -$2.5M |
| EPS (diluted) | -$0.02 | -$0.27 | -$0.02 | $0.12 | -$0.09 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $21.3M | $20.6M | $22.0M | $20.0M | $21.2M | $22.2M | $25.5M | $23.7M |
| Net income | $2.9M | $628,926 | -$234,970 | -$366,654 | -$415,086 | -$1.5M | $122,503 | $280,080 |
| EPS (diluted) | $0.10 | $0.02 | -$0.01 | -$0.01 | -$0.02 | -$0.05 | $0.00 | $0.01 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $29.8M | -$17.0M | $3.5M | $2.9M | $1.5M |
| Capital expenditure | -$1.3M | -$812,242 | -$834,964 | -$991,881 | -$435,014 |
| Free cash flow | $28.5M | -$17.8M | $2.7M | $1.9M | $1.1M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $761,263 | -$1.3M | -$456,961 | -$1.3M | -$975,944 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $6.4M
- Total assets
- $123.8M
- Total liabilities
- $105.0M
- Total debt
- $3.7M
- Net debt
- -$2.7M
- Shareholders’ equity
- $18.8M
As of Jun 30, 2026 (filed Aug 12, 2026).
Short interest
- Shares sold short
- 53,694
- Days to cover
- 1.00
- Change vs previous report
- -16.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 23, 2015
- 1-for-15