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
- –
Ownership
Institutional holdings as of Jun 30, 2026, from 13F filings
Held by institutions
21.9%
6M of 28M shares
Institutional holders
33
6 new, 1 sold out
Net institutional buying
0M
In Q2 2026
Insider trades, 12 months
0 buys · 16 sales
Net sold $147.86K
Shares held by institutions
Holders of more than 5%
Latest Schedule 13D (active) or 13G (passive) filed by each holder
| Holder | Shares | % of class | Filing | As of |
|---|---|---|---|---|
| Whittier Holdings, Inc. | 2,805,752 | 10.34% | 13G (passive) amendment | Sep 24, 2024 |
| National Services, Inc. | 2,721,272 | 9.86% | 13G (passive) amendment | Mar 10, 2026 |
| Whittier Trust Company | 2,713,852 | 9.83% | 13G (passive) amendment | Mar 10, 2026 |
| Tall Pines Capital, LLC | 1,748,223 | 5.36% | 13G (passive) | Aug 24, 2026 |
| S.S. OR I.R.S. INDENTIFICATION NO. OF ABOVE PERSON Katherine Ayers | 1,733,225 | 6.59% | 13D (active) | Oct 5, 2023 |
Top institutional holders
13F holdings as of Jun 30, 2026
| Holder | Shares | % of USIO | Value | Change | % of portfolio |
|---|---|---|---|---|---|
| Whittier Trust Co | 2,713,852 | 9.52% | $6.43M | – | 0.06% |
| Vanguard Capital Management LLC | 917,455 | 3.22% | $2.28M | +15,296 | 0.00% |
| Perkins Capital Management Inc | 700,371 | 2.46% | $1.74M | −1,561 | 1.31% |
| Renaissance Technologies LLC | 437,241 | 1.53% | $1.08M | +36,500 | 0.00% |
| Geode Capital Management, LLC | 184,503 | 0.65% | $457.70K | +65,386 | 0.00% |
| North Star Investment Management Corp. | 180,000 | 0.63% | $446.40K | – | 0.02% |
| Stonebridge Wealth Management, LLC | 177,084 | 0.62% | $439.17K | New | 0.39% |
| BlackRock, Inc. | 111,768 | 0.39% | $277.18K | +19,778 | 0.00% |
| Vanguard Fiduciary Trust Co | 105,174 | 0.37% | $260.83K | +784 | 0.00% |
| Sentinus, LLC | 79,700 | 0.28% | $197.66K | −6,000 | 0.02% |
| State Street Corp | 76,789 | 0.27% | $190.44K | – | 0.00% |
| Citadel Advisors LLC | 71,027 | 0.25% | $176.15K | −109,052 | 0.00% |
| Bridgeway Capital Management, LLC | 71,000 | 0.25% | $176.08K | −30,000 | 0.00% |
| Morgan Stanley | 50,289 | 0.18% | $124.72K | −4,746 | 0.00% |
| Dimensional Fund Advisors LP | 46,421 | 0.16% | $115.12K | – | 0.00% |
| Osaic Holdings, Inc. | 46,353 | 0.16% | $114.95K | – | 0.00% |
| Northern Trust Corp | 45,040 | 0.16% | $111.70K | +11,644 | 0.00% |
| Allworth Financial LP | 41,234 | 0.14% | $102.26K | – | 0.00% |
| Susquehanna International Group, Llp | 28,027 | 0.10% | $69.51K | −39,183 | 0.00% |
| XTX Topco Ltd | 25,368 | 0.09% | $62.91K | +9,860 | 0.00% |
Institutional buying and selling by quarter
Positions opened, added to, reduced and closed by 13F filers
| Quarter | Holders | Shares held | % of shares | New / added | Reduced / closed | Shares bought | Shares sold |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 33 | 6M | 21.9% | 6 / 9 | 9 / 1 | 0M | 0M |
| Q1 2026 | 28 | 6M | 21.3% | 6 / 3 | 12 / 6 | 4M | 1M |
| Q4 2025 | 31 | 4M | 14.6% | 3 / 11 | 9 / 7 | 1M | 3M |
| Q3 2025 | 35 | 7M | 23.5% | 6 / 6 | 13 / 1 | 0M | 0M |
| Q2 2025 | 30 | 7M | 23.3% | 4 / 10 | 6 / 6 | 0M | 0M |
| Q1 2025 | 32 | 7M | 23.5% | 8 / 8 | 7 / 7 | 0M | 1M |
| Q4 2024 | 31 | 7M | 25.7% | 7 / 7 | 9 / 4 | 0M | 1M |
| Q3 2024 | 28 | 8M | 28.5% | 5 / 6 | 8 / 2 | 3M | 0M |
| Q2 2024 | 26 | 5M | 19.1% | 2 / 8 | 6 / 3 | 0M | 0M |
| Q1 2024 | 27 | 5M | 19.1% | 2 / 4 | 12 / 1 | 0M | 0M |
| Q4 2023 | 26 | 5M | 19.0% | 2 / 10 | 4 / 3 | 0M | 0M |
| Q3 2023 | 28 | 6M | 19.8% | 3 / 6 | 6 / 4 | 1M | 0M |
Top mutual fund and ETF holders
Latest monthly portfolio reports (Form N-PORT)
| Fund | Shares | % of USIO | Value | % of fund | As of |
|---|---|---|---|---|---|
| Vanguard Total Stock Market Index Fund | 727,294 | 2.55% | $1.80M | 0.00% | Jun 30, 2026 |
| Jacob Discovery Fund | 410,100 | 1.44% | $660.26K | 4.11% | May 31, 2026 |
| North Star Micro Cap Fund | 180,000 | 0.63% | $289.80K | 0.16% | May 31, 2026 |
| Vanguard Extended Market Index Fund | 167,435 | 0.59% | $415.24K | 0.00% | Jun 30, 2026 |
| iShares Micro-Cap ETF | 66,898 | 0.23% | $165.91K | 0.01% | Jun 30, 2026 |
| Ultra-Small Company Market Fund | 60,000 | 0.21% | $148.80K | 0.10% | Jun 30, 2026 |
| Fidelity Extended Market Index Fund | 27,727 | 0.10% | $44.64K | 0.00% | May 31, 2026 |
| Fidelity Series Total Market Index Fund | 23,867 | 0.08% | $38.43K | 0.00% | May 31, 2026 |
| Fidelity Total Market Index Fund | 20,039 | 0.07% | $32.26K | 0.00% | May 31, 2026 |
| Vanguard Balanced Index Fund | 13,812 | 0.05% | $34.25K | 0.00% | Jun 30, 2026 |
| Fidelity Nasdaq Composite Index Fund | 12,705 | 0.04% | $20.46K | 0.00% | May 31, 2026 |
| Dimensional U.S. Core Equity 2 ETF | 5,349 | 0.02% | $11.39K | 0.00% | Jul 31, 2026 |
| JNL/DFA U.S. Small Cap Fund | 4,800 | 0.02% | $11.90K | 0.00% | Jun 30, 2026 |
| 1290 VT Micro Cap Portfolio | 3,761 | 0.01% | $9.33K | 0.00% | Jun 30, 2026 |
Officers, directors and major owners
People who filed Forms 3, 4 or 5 in the last two years
| Name | Role | Shares owned | % of shares | Latest filing |
|---|---|---|---|---|
| Louis A. Hoch | Chairman, President and CEO, Director, 10% owner | 70,280,184 | 246.64% | Aug 25, 2026 |
| Houston Korth Frost | SVP, Chief Product Officer | 785,120 | 2.76% | Aug 26, 2026 |
| Jerry Uffner | Head of Card Issuing | 251,270 | 0.88% | Aug 25, 2026 |
| Michael Joseph White | SVP, Chief Accounting Officer | 326,179 | 1.14% | Aug 25, 2026 |
| Greg M. Carter | EVP, Payment Acceptance | 458,076 | 1.61% | Feb 24, 2026 |
| Elizabeth Michelle Miller | Director | 78,194 | 0.27% | Sep 3, 2026 |
| del la Garza Ernesto R. Beyer | Director | 102,222 | 0.36% | Aug 25, 2026 |
| Brad Rollins | Director | 150,667 | 0.53% | Aug 25, 2026 |
| Blaise Bender | Director | 105,877 | 0.37% | Aug 22, 2025 |
| National Services, Inc | 10% owner | 2,728,692 | 9.58% | Mar 16, 2026 |
Insider trades
Common stock transactions reported on Form 4, newest first
| Insider | Date | Transaction | Shares | Price | Value | Shares after |
|---|---|---|---|---|---|---|
| Elizabeth Michelle Miller Director | Aug 21, 2026 | Option exercise | +7,000 | $2.81 | $19.67K | 78,194 |
| del la Garza Ernesto R. Beyer Director | Aug 21, 2026 | Option exercise | +7,000 | $2.81 | $19.67K | 102,222 |
| del la Garza Ernesto R. Beyer Director | Aug 21, 2026 | Tax withholding | −2,000 | $2.81 | $5.62K | 100,222 |
| Michael Joseph White SVP, Chief Accounting Officer | Aug 21, 2026 | Tax withholding | −1,779 | $2.81 | $5.00K | 326,179 |
| Michael Joseph White SVP, Chief Accounting Officer | Aug 21, 2026 | Option exercise | +6,000 | $2.81 | $16.86K | 327,958 |
| Louis A. Hoch Chairman, President and CEO, Director, 10% owner | Aug 21, 2026 | Option exercise | +7,000 | $2.81 | $19.67K | 3,513,334 |
| Louis A. Hoch Chairman, President and CEO, Director, 10% owner | Aug 21, 2026 | Tax withholding | −2,755 | $2.81 | $7.74K | 3,510,579 |
| Jerry Uffner Head of Card Issuing | Aug 21, 2026 | Option exercise | +6,000 | $2.81 | $16.86K | 251,270 |
| Jerry Uffner Head of Card Issuing | Aug 21, 2026 | Tax withholding | −2,058 | $2.81 | $5.78K | 249,212 |
| Houston Korth Frost SVP, Chief Product Officer | Aug 21, 2026 | Tax withholding | −1,630 | $2.81 | $4.58K | 779,478 |
| Houston Korth Frost SVP, Chief Product Officer | Aug 21, 2026 | Option exercise | +6,000 | $2.81 | $16.86K | 781,108 |
| Brad Rollins Director | Aug 21, 2026 | Option exercise | +7,000 | $2.81 | $19.67K | 150,667 |
| Houston Korth Frost SVP, Chief Product Officer | Jul 1, 2026 | Award | +5,642 | $0.99 | $5.59K | 785,120 |
| Michael Joseph White SVP, Chief Accounting Officer | Jun 21, 2026 | Option exercise | +6,000 | $1.82 | $10.92K | 323,737 |
| Michael Joseph White SVP, Chief Accounting Officer | Jun 21, 2026 | Tax withholding | −1,779 | $1.82 | $3.24K | 321,958 |
| Elizabeth Michelle Miller Director | Jun 21, 2026 | Option exercise | +7,000 | $1.82 | $12.74K | 71,194 |
| del la Garza Ernesto R. Beyer Director | Jun 21, 2026 | Option exercise | +7,000 | $1.82 | $12.74K | 99,666 |
| Brad Rollins Director | Jun 21, 2026 | Option exercise | +7,000 | $1.82 | $12.74K | 143,667 |
| Louis A. Hoch Chairman, President and CEO, Director, 10% owner | Jun 21, 2026 | Tax withholding | −2,755 | $1.82 | $5.01K | 3,506,334 |
| Louis A. Hoch Chairman, President and CEO, Director, 10% owner | Jun 21, 2026 | Option exercise | +7,000 | $1.82 | $12.74K | 3,509,089 |
| Michael Joseph White SVP, Chief Accounting Officer | Jun 21, 2026 | Option exercise | −1,779 | $1.82 | $3.24K | 321,958 |
| Michael Joseph White SVP, Chief Accounting Officer | Jun 21, 2026 | Option exercise | +6,000 | $1.82 | $10.92K | 323,737 |
| Jerry Uffner SVP, Head of Card Issuing | Jun 21, 2026 | Tax withholding | −1,368 | $1.82 | $2.49K | 245,270 |
| Jerry Uffner SVP, Head of Card Issuing | Jun 21, 2026 | Option exercise | +4,000 | $1.82 | $7.28K | 246,638 |
| Houston Korth Frost SVP, Chief Product Officer | Jun 21, 2026 | Option exercise | +4,000 | $1.82 | $7.28K | 775,108 |
| Houston Korth Frost SVP, Chief Product Officer | Jun 11, 2026 | Award | +50,000 | $1.71 | $85.50K | 771,108 |
| Jerry Uffner SVP Card Issuing SLS & Bus Dev | Jun 11, 2026 | Award | +40,000 | $1.71 | $68.40K | 242,638 |
| Michael Joseph White SVP, Chief Accounting Officer | Jun 11, 2026 | Award | +50,000 | $1.71 | $85.50K | 317,737 |
| Louis A. Hoch Chairman, President and CEO, Director, 10% owner | Jun 11, 2026 | Award | +300,000 | $1.71 | $513.00K | 3,502,089 |
| Elizabeth Michelle Miller Director | Mar 16, 2026 | Option exercise | +2,000 | $1.21 | $2.42K | 64,694 |
| Elizabeth Michelle Miller Director | Mar 16, 2026 | Tax withholding | −500 | $1.21 | $605 | 64,194 |
| Brad Rollins Director | Mar 16, 2026 | Option exercise | +7,000 | $1.21 | $8.47K | 136,667 |
| del la Garza Ernesto R. Beyer Director | Mar 16, 2026 | Option exercise | +7,000 | $1.21 | $8.47K | 92,666 |
| National Services, Inc 10% owner | Mar 10, 2026 | Sale | −10,000 | $1.27 | $12.70K | 2,721,272 |
| National Services, Inc 10% owner | Mar 10, 2026 | Sale | −10,000 | $1.27 | $12.70K | 2,721,272 |
| National Services, Inc 10% owner | Mar 9, 2026 | Sale | −8,860 | $1.31 | $11.61K | 2,731,272 |
| National Services, Inc 10% owner | Mar 9, 2026 | Sale | −8,860 | $1.31 | $11.61K | 2,731,272 |
| National Services, Inc 10% owner | Mar 6, 2026 | Sale | −6,697 | $1.35 | $9.04K | 2,740,132 |
| National Services, Inc 10% owner | Mar 5, 2026 | Sale | −2,787 | $1.38 | $3.85K | 2,746,829 |
| Houston Korth Frost SVP, Chief Product Officer | Feb 21, 2026 | Option exercise | +4,000 | $1.34 | $5.36K | 721,108 |
| Greg M. Carter EVP, Payment Acceptance | Feb 21, 2026 | Option exercise | +4,000 | $1.34 | $5.36K | 458,076 |
| Greg M. Carter EVP, Payment Acceptance | Feb 21, 2026 | Tax withholding | −1,186 | $1.34 | $1.59K | 456,890 |
| Louis A. Hoch Chairman, President and CEO, Director, 10% owner | Feb 21, 2026 | Option exercise | +11,000 | $1.34 | $14.74K | 3,207,001 |
| Louis A. Hoch Chairman, President and CEO, Director, 10% owner | Feb 21, 2026 | Tax withholding | −4,912 | $1.34 | $6.58K | 3,202,089 |
| National Services, Inc 10% owner | Jan 27, 2026 | Sale | −5,922 | $1.36 | $8.05K | 2,749,616 |
| National Services, Inc 10% owner | Jan 26, 2026 | Sale | −4,502 | $1.35 | $6.08K | 2,755,538 |
| National Services, Inc 10% owner | Jan 23, 2026 | Sale | −8,961 | $1.34 | $12.01K | 2,760,040 |
| National Services, Inc 10% owner | Jan 22, 2026 | Sale | −7,484 | $1.37 | $10.25K | 2,769,001 |
| National Services, Inc 10% owner | Jan 21, 2026 | Sale | −7,512 | $1.36 | $10.22K | 2,776,485 |
| National Services, Inc 10% owner | Jan 20, 2026 | Sale | −10,000 | $1.36 | $13.60K | 2,783,997 |
| National Services, Inc 10% owner | Jan 16, 2026 | Sale | −6,043 | $1.36 | $8.22K | 2,793,997 |
| National Services, Inc 10% owner | Jan 15, 2026 | Sale | −5,612 | $1.37 | $7.69K | 2,800,040 |
| National Services, Inc 10% owner | Jan 14, 2026 | Sale | −2,112 | $1.37 | $2.89K | 2,805,652 |
| National Services, Inc 10% owner | Jan 13, 2026 | Sale | −5,408 | $1.36 | $7.35K | 2,807,764 |
| Michael Joseph White SVP, Chief Accounting Officer | Jan 9, 2026 | Option exercise | +1,200 | $1.38 | $1.66K | 267,737 |
| Louis A. Hoch Chairman, President and CEO, Director, 10% owner | Dec 8, 2025 | Gift | −35,433 | $1.42 | $50.31K | 3,196,001 |
| Louis A. Hoch Chairman, President and CEO, Director, 10% owner | Dec 8, 2025 | Gift | −5,000 | $1.42 | $7.10K | 3,231,434 |
| Houston Korth Frost SVP, Chief Product Officer | Aug 21, 2025 | Award | +50,000 | $1.44 | $72.00K | 717,108 |
| Greg M. Carter EVP, Chief Revenue Officer | Aug 21, 2025 | Award | +50,000 | $1.44 | $72.00K | 454,076 |
| Jerry Uffner SVP, Card Issuing | Aug 21, 2025 | Award | +40,000 | $1.44 | $57.60K | 242,638 |
Awards, option exercises, tax withholding and gifts are shown alongside open-market buys and sales. Each name links to the filing on SEC EDGAR.
Planned insider sales
Notices of proposed sale filed on Form 144 before shares are sold
| Seller | Filed | Shares | Market value | Planned sale | Acquired through |
|---|---|---|---|---|---|
| Trust Company Whittier 10% Stockholder | Jan 9, 2026 | 349,610 | $489.45K | Jan 12, 2026 | Open market purchases |
| Services Inc. National 10% Stockholder | Jan 9, 2026 | 349,610 | $489.45K | Jan 12, 2026 | Open market purchase |
| Trust Company Whittier 10% Stockholder | Mar 7, 2025 | 1,025,625 | $1.58M | Mar 7, 2025 | Open market purchases |