USIONasdaqFunctions Related To Depository Banking, NECFiscal year ends December 31

Usio, Inc.

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 12, 2026

$2.86+0.04 (+1.42%)

Close on Oct 19, 2026

Market cap: $79.56M
P/E (TTM): –
Dividend yield: –

Usio, Inc. income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	Q2 2026 2026-06-30	Q1 2026 2026-03-31	Q4 2025 2025-12-31	Q3 2025 2025-09-30	Q2 2025 2025-06-30	Q1 2025 2025-03-31	Q4 2024 2024-12-31	Q3 2024 2024-09-30	Q2 2024 2024-06-30	Q1 2024 2024-03-31	Q4 2023 2023-12-31	Q3 2023 2023-09-30	Q2 2023 2023-06-30	Q1 2023 2023-03-31	Q4 2022 2022-12-31	Q3 2022 2022-09-30	Q2 2022 2022-06-30	Q1 2022 2022-03-31	Q4 2021 2021-12-31	Q3 2021 2021-09-30	Q2 2021 2021-06-30	Q1 2021 2021-03-31	Q4 2020 2020-12-31	Q3 2020 2020-09-30	Q2 2020 2020-06-30	Q1 2020 2020-03-31	Q4 2019 2019-12-31	Q3 2019 2019-09-30	Q2 2019 2019-06-30	Q1 2019 2019-03-31	Q4 2018 2018-12-31	Q3 2018 2018-09-30	Q2 2018 2018-06-30	Q1 2018 2018-03-31	Q4 2017 2017-12-31	Q3 2017 2017-09-30	Q2 2017 2017-06-30	Q1 2017 2017-03-31	Q4 2016 2016-12-31	Q3 2016 2016-09-30
Revenue	24	25	22	21	20	22	21	21	20	21	20	21	21	21	19	16	16	18	17	16	15	13	9.38	8.14	6.96	7.77	7.37	7.09	7.16	6.59	6.42	6.47	6.28	5.84	5.62	3.59	2.55	2.81	2.89	3.07
Cost of Revenue	18	20	17	16	15	17	15	16	15	16	15	16	16	17	14	13	13	15	13	12	11	11	6.94	6.41	5.67	5.84	5.87	5.54	5.59	5.25	4.90	5.01	4.96	4.57	4.32	2.76	1.85	1.87	2.00	2.10
Gross Profit	5.73	5.14	4.87	4.87	5.14	4.81	5.06	4.90	4.80	4.85	5.26	4.66	5.19	4.90	4.69	3.13	3.26	3.51	4.56	4.03	4.13	2.91	2.44	1.72	1.29	1.93	1.50	1.55	1.57	1.34	1.52	1.46	1.32	1.27	1.30	0.82	0.70	0.94	0.89	0.97
Selling, General & Admin	4.58	4.36	5.08	4.50	4.64	4.14	4.55	4.12	4.00	5.14	–	5.41	4.95	4.90	–	4.84	5.13	5.06	–	3.82	3.79	3.61	–	2.63	2.59	2.80	–	2.78	2.82	2.43	–	2.28	2.35	2.33	–	1.72	1.24	–	–	–
Operating Expenses	5.35	4.91	6.13	5.33	5.54	5.05	5.67	5.27	5.01	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	6.90	-4.11	4.48	3.10	3.13	3.17	3.64
Operating Income	0.38	0.23	-1.26	-0.46	-0.40	-0.24	-0.60	-0.38	-0.21	-0.28	0.00	-0.75	0.23	0.01	-0.09	-1.70	-1.87	-1.55	0.00	0.21	0.34	-0.70	-0.67	-0.91	-1.30	-0.87	-1.48	-1.23	-1.26	-1.10	-0.86	-0.82	-1.03	-1.06	-1.07	-0.89	-0.55	-0.32	-0.28	-0.57
Interest Expense	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Interest & Investment Income	0.10	0.09	0.09	0.12	0.11	0.08	0.12	0.13	0.11	0.12	0.10	0.05	0.04	0.09	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Non-Operating Income	–	–	0.08	0.12	0.10	0.07	1.58	0.11	0.35	0.10	0.10	0.10	0.04	0.09	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.85	0.01	0.00	0.01	-0.02	0.02	0.02	0.02	0.03	0.02	0.01	0.01	0.01	0.02	0.04	0.04	0.03	0.03
Asset Impairment Charges	0	0	–	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	–	0	0	0	0	0	0	0	0	0	–	–
Pretax Income	0.45	0.29	-1.18	-0.35	-0.30	-0.17	0.98	-0.26	0.15	-0.18	0.10	-0.65	0.27	0.10	-0.08	-1.70	-1.87	-1.55	0.00	0.21	0.34	-0.70	0.18	-0.90	-1.30	-0.86	-1.50	-1.21	-1.24	-1.07	-0.83	-0.80	-1.02	-1.05	-1.06	-0.88	-0.51	-0.29	-0.26	-0.55
Income Tax Expense	0.17	0.17	0.31	0.07	0.07	0.06	0.35	-3.12	0.07	0.07	0.07	0.07	0.07	0.08	0.01	0.07	0.07	0.07	-0.04	0.07	0.12	0.02	0.02	0.04	-0.01	-0.02	0.03	0.03	0.04	0	0.04	0.02	0.02	0	0.24	0.02	0.02	0	-0.01	0.02
Net Income	0.28	0.12	-1.50	-0.42	-0.37	-0.23	0.63	2.85	0.08	-0.25	0.03	-0.72	0.21	0.01	-0.15	-1.77	-1.94	-1.62	0.04	0.14	0.22	-0.72	0.15	-0.94	-1.29	-0.84	-1.53	-1.24	-1.28	-1.07	-0.88	-0.81	-1.04	-1.05	-1.30	-0.89	-0.53	-0.29	-0.24	-0.57
Net Income to Common	0.28	0.12	-1.50	-0.42	-0.37	-0.23	0.63	2.85	0.08	-0.25	0.03	-0.72	0.21	0.01	-0.15	-1.77	-1.94	-1.62	0.04	0.14	0.22	-0.72	0.15	-0.94	-1.29	-0.84	-1.53	-1.24	-1.28	–	–	–	–	–	–	–	–	–	–	–
EPS (Basic)(per share)	0.01	0.00	-0.05	-0.02	-0.01	-0.01	0.02	0.10	0.00	-0.01	0.00	-0.03	0.01	0.00	-0.01	-0.09	-0.10	-0.08	0.00	0.01	0.01	-0.04	0.01	-0.06	-0.10	-0.06	-0.12	-0.09	-0.10	-0.09	-0.07	-0.07	-0.09	-0.09	-0.13	-0.10	-0.06	-0.03	-0.03	-0.07
EPS (Diluted)(per share)	0.01	0.00	-0.05	-0.02	-0.01	-0.01	0.02	0.10	0.00	-0.01	0.00	-0.03	0.01	0.00	-0.01	-0.09	-0.10	-0.08	0.00	0.01	0.01	-0.04	0.01	-0.06	-0.10	-0.06	-0.12	-0.09	-0.10	-0.09	-0.07	-0.07	-0.09	-0.09	-0.13	-0.10	-0.06	-0.03	-0.03	-0.07
Shares Outstanding (Basic, Weighted)(shares)	28	28	28	27	26	27	27	27	27	26	27	26	26	27	21	20	20	20	20	20	20	20	20	15	13	13	13	13	13	13	12	12	12	12	10	8.95	8.47	8.49	8.08	7.82
Shares Outstanding (Diluted, Weighted)(shares)	28	28	28	27	26	27	27	27	27	26	27	26	26	27	21	20	20	20	20	25	25	20	20	15	13	13	13	13	13	13	12	12	12	12	10	8.95	8.47	8.49	8.08	7.82
EBITDA	0.66	0.45	-0.71	-0.03	0.07	0.26	-0.05	0.21	0.34	0.29	0.52	-0.23	0.75	0.52	0.48	-1.06	-1.06	-0.84	0.76	0.85	0.96	-0.08	-0.32	-0.52	-0.92	-0.48	-0.93	-0.74	-0.76	-0.61	-0.37	-0.35	-0.57	-0.60	-0.59	-0.58	-0.32	-0.09	-0.06	-0.35
Net Interest Income	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0.00	0.00	-0.01	0.00	0.00	0	-0.02	0.01	0.00	0.01	0.02	0.02	0.02	0.02	0.03	0.02	0.02	0.01	0.01	0.02	0.04	0.03	0.02	0.03
Provision for Credit Losses	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0	–	–	–	0	–	–	–	–	–	–	–	–

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: 22.3%
Operating margin: -1.2%
Net margin: -1.6%
Return on equity, FY2025: -13.6%

Financial strength

Current ratio: 1.10
Debt to equity: 0.07
Debt to assets: 1.0%
Cash to current liabilities: 6.3%

Valuation

P/E ratio: –
Price to sales: 0.86
Price to book: 4.23
Dividend yield: –