Usio, Inc. (USIO) stock
USIONasdaqFunctions Related To Depository Banking, NECFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 10, 2026Score 5/3087% above fair value
$2.04−0.01 (-0.73%)
Close on Nov 13, 2026Market cap $57.99MP/E –Yield –
Usio statistics
95 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Mar 17, 2027 (estimated, during market hours)
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 2.97
- 1.52
- P/OCF Ratio
- 17.07
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 0.55
- 2.95
- EV / FCF
- 41.88
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 4.16%
- 0.33%
- Shares Change (QoQ)
- -0.01%
- 0.00%
- Shares Held by Institutions
- 21.9%
- 61.3%
Short sellingIndustry
- Short Interest
- 41,890
- –
- Short Interest Change
- -15.5%
- -4.13%
- Short % of Shares Outstanding
- 0.15%
- 3.18%
- Days to Cover
- 1.00
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $3.29
- –
- 52-Week Low
- $1.03
- –
- 20-Day Moving Average
- $2.89
- –
- 50-Day Moving Average
- $2.70
- –
- 200-Day Moving Average
- $1.95
- –
- Average True Range (14)
- $0.23
- –
- Price Change (1 Week)
- -31.3%
- 0.69%
- Price Change (1 Month)
- -28.7%
- 3.79%
- Price Change (3 Months)
- -16.9%
- -2.72%
- Price Change (6 Months)
- 33.9%
- 12.2%
- Price Change (YTD)
- 49.6%
- 19.9%
- Price Change (1 Year)
- 42.3%
- 25.7%
- Price Change (3 Years)
- 26.4%
- 65.1%
- Price Change (5 Years)
- -66.4%
- 26.9%
- Price Change (10 Years)
- 7.11%
- 66.8%
- Average Volume (10 Days)
- 234,347
- –
- Average Volume (20 Days)
- 218,766
- –
- Average Volume (90 Days)
- 302,865
- –
- Relative Volume
- 0.84
- 0.68
- Relative Strength Index (14)
- 28.5
- 53.1
- Volatility (1 Year)
- 66.1%
- 24.4%
- Beta (5 Years)
- 0.42
- 0.63
MarginsIndustry
- Pretax Margin
- -0.09%
- 37.0%
- EBITDA Margin
- 1.08%
- 32.4%
- FCF Margin
- 1.31%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- -4.58%
- 10.7%
- Return on Assets (ROA)
- -0.81%
- 1.16%
- Return on Invested Capital (ROIC)
- -2.34%
- 7.75%
- Return on Capital Employed (ROCE)
- -1.64%
- –
Financial positionIndustry
- Current Ratio
- 1.10
- –
- Quick Ratio
- 0.14
- –
- Debt / Equity
- 0.08
- 0.21
- Debt / EBITDA
- 1.45
- 3.82
- Debt / FCF
- 1.19
- 1.48
- Net Debt / EBITDA
- -5.72
- 1.91
- Interest Coverage
- -4.41
- 0.65
GrowthIndustry
- Revenue Growth (YoY)
- 13.7%
- 11.7%
- FCF Growth (YoY)
- -39.4%
- 27.2%
- Revenue Growth (3Y CAGR)
- 7.14%
- 5.82%
- Revenue Growth (5Y CAGR)
- 21.5%
- 6.17%
EfficiencyIndustry
- Asset Turnover
- 0.88
- 0.04
- Inventory Turnover
- 153.12
- –
- Revenue Per Employee
- $889.27K
- $358.92K
- Profits Per Employee
- -$8.18K
- $110.51K
- Employee Count
- 107
- 492
- WACC
- 7.52%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- -$87.75K
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $5.85M
- $165.09M
- Net Cash Per Share
- $0.21
- $8.07
- Equity (Book Value)
- $19.52M
- $570.13M
- Book Value Per Share
- $0.68
- $28.12
- Tangible Book Value
- $19.51M
- $478.27M
- Working Capital
- $9.08M
- –
Cash flow (TTM)Industry
- Capital Expenditures
- -$2.15M
- -$4.24M
- FCF Per Share
- $0.04
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- -1.51%
- 8.29%
- FCF Yield
- 2.15%
- 9.18%
- Buyback Yield
- 1.17%
- 1.82%
- Shareholder Yield
- 1.17%
- 3.26%
Taxes and interestIndustry
- Interest Expense
- $85.62K
- $24.37M
- Income Tax
- $787.92K
- $16.14M
Scores and fair valueIndustry
- Altman Z-Score
- 0.41
- 0.22
- Piotroski F-Score
- 3
- 6
- Beneish M-Score
- -2.71
- –
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | USIO | S&P 500 | Difference | USIO per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -23.8% | -3.0% | −20.7 pts | ||
| 3 months | -21.4% | -2.8% | −18.6 pts | ||
| Year to date | +49.6% | +11.5% | +38.1 pts | ||
| 1 year | +43.3% | +13.5% | +29.8 pts | ||
| 3 years | +27.2% | +77.7% | −50.5 pts | +8.3% | +21.1% |
| 5 years | -66.4% | +72.6% | −139.0 pts | -19.6% | +11.5% |
| 10 years | +17.6% | +308.2% | −290.5 pts | +1.6% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M USIO shares were sold short on Oct 30, 2026, down 15.5% from the previous report. At recent volumes it would take 1.0 days to buy them back. Over the last 20 sessions, 45.6% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 41,890 | -15.5% | 194,895 | 1.0 |
| Oct 15, 2026 | 49,549 | -22.3% | 157,839 | 1.0 |
| Sep 30, 2026 | 63,806 | +18.8% | 253,561 | 1.0 |
| Sep 15, 2026 | 53,694 | -16.0% | 281,339 | 1.0 |
| Aug 31, 2026 | 63,926 | +15.4% | 450,821 | 1.0 |
| Aug 14, 2026 | 55,406 | -16.4% | 733,128 | 1.0 |
| Jul 31, 2026 | 66,304 | -12.5% | 192,590 | 1.0 |
| Jul 15, 2026 | 75,761 | +47.0% | 127,046 | 1.0 |
| Jun 30, 2026 | 51,544 | +1.5% | 201,768 | 1.0 |
| Jun 15, 2026 | 50,790 | +64.7% | 88,808 | 1.0 |
| May 29, 2026 | 30,835 | -57.4% | 124,638 | 1.0 |
| May 15, 2026 | 72,407 | +1168.7% | 119,462 | 1.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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