USIO

Usio, Inc.
NasdaqGMUSDEQUITY Technology DELAYED
Last price
2.83
▲ 0.03 (1.07%)
MARKET · —

Price

1D — H — L — Range — Vol —
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
—
Prev close
2.80
Day high
2.93
Day low
2.79
Volume
167.76K
Market cap
$80.64M
P/E (TTM)
—
52W range
1.03 – 3.06

Trailing performance

Price return · vs SPY
Returnvs SPY
1W
+9.69% +7.7%
1M
+2.91% +1.8%
3M
+34.76% +30.2%
6M
+139.83% +121.6%
YTD
+108.09% +93.8%
1Y
+93.84% +77.4%
3Y
+61.71% -20.5%
5Y
— —

Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.

Unusual options activity

Account required
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
Free account required

Contracts trading at or above their open interest, ranked by notional and where the print landed.

Free account

10 more panels on USIO open with an account.

Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.

Insider net activity

6m · Form 4 rollup
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
9.99M
Total on file

Insider transactions

Account required
DateInsiderAction SharesValueHeld
Aug 21, 26
HOCH LOUIS A
Chief Executive Officer
CONVERSION 7.00K $19.67K Direct
Aug 21, 26
FROST HOUSTON KORTH
Officer
CONVERSION 6.00K $16.86K Direct
Aug 21, 26
ROLLINS BRADLEY
Director
CONVERSION 7.00K $19.67K Direct
Aug 21, 26
BEYER DEL LA GARZA ERNESTO R.
Director
CONVERSION 7.00K $19.67K Direct
Aug 21, 26
MILLER ELIZABETH MICHELLE
Director
— 7.00K — Direct
Aug 21, 26
WHITE MICHAEL JOSEPH
Officer
CONVERSION 6.00K $16.86K Direct
Aug 21, 26
UFFNER JERRY
Officer
CONVERSION 6.00K $16.86K Direct
Jul 1, 26
FROST HOUSTON KORTH
Officer
STOCK 5.64K $14.39K Direct
Jun 18, 26
HOCH LOUIS A
Chief Executive Officer
— 7.00K — Direct
Jun 18, 26
FROST HOUSTON KORTH
Officer
CONVERSION 4.00K $7.28K Direct
Jun 18, 26
ROLLINS BRADLEY
Director
CONVERSION 7.00K $12.74K Direct
Jun 18, 26
BEYER DEL LA GARZA ERNESTO R.
Director
CONVERSION 7.00K $12.74K Direct
Jun 18, 26
MILLER ELIZABETH MICHELLE
Director
CONVERSION 7.00K $12.74K Direct
Jun 18, 26
WHITE MICHAEL JOSEPH
Officer
CONVERSION 6.00K $10.92K Direct
What this is, and what it is not

These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.

A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.

This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.

Free account required

Officer and director trades in their own stock, straight from Form 4 filings.

Insider holders

10 reporting
NameRelationShares heldLatest
BENDER BLAISE C.
Director 105.88K Conversion of Exercise of derivative security
BEYER DEL LA GARZA ERNESTO R.
Director 100.22K Conversion of Exercise of derivative security
CARTER GREGORY M
Officer 456.89K Conversion of Exercise of derivative security
FROST HOUSTON KORTH
Officer 779.48K Conversion of Exercise of derivative security
HOCH LOUIS A
Chief Executive Officer 3.51M Conversion of Exercise of derivative security
MILLER ELIZABETH MICHELLE
Director 78.19K Conversion of Exercise of derivative security
NATIONAL SERVICES, INC
Beneficial Owner of more than 10% of a Class of Security 2.72M Sale
ROLLINS BRADLEY
Director 150.67K Conversion of Exercise of derivative security
UFFNER JERRY
Officer 249.21K Conversion of Exercise of derivative security
WHITE MICHAEL JOSEPH
Officer 326.18K Conversion of Exercise of derivative security

Fundamentals

TTM · reported
Market cap$80.64M
Enterprise value$78.87M
Revenue (TTM)$92.57M
Gross profit$20.61M
EBITDA$377.19K
Net income$-1.51M
EPS (TTM)$-0.06
Free cash flow$-559.65K
Total cash$6.39M
Total debt$4.61M
Book value / share$0.66
Shares outstanding28.50M
Float20.01M
Short % of float0.23%
Dividend yield0.00%
Beta (5Y)1.36

Valuation & profitability ratios

Account required
Trailing P/E—
Forward P/E16.65
PEG ratio0.95
Price / sales—
Price / book4.29
EV / revenue0.85
EV / EBITDA209.10
Gross margin22.26%
Operating margin1.59%
Profit margin-1.63%
Return on equity-8.04%
Return on assets-0.60%
Debt / equity24.55
Current ratio1.10
Free account required

Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.

Financial statements

As reported · 4 years · 5 quarters
Blank means not reported, not zero
Line item2025202420232022YoY
Total revenue $85.39M$82.93M$84.07M$69.43M +3.0%
Operating revenue $85.39M$82.93M$84.07M$69.43M +3.0%
Cost of revenue $65.70M$63.32M$63.99M$54.84M +3.8%
Gross profit $19.69M$19.61M$20.07M$14.59M +0.4%
Selling, general & admin $20.11M$18.82M$2.22M$2.07M +6.8%
Total operating expense $22.05M$21.08M$20.52M$19.81M +4.6%
Operating income -$2.36M-$1.47M-$447.36K-$5.21M -60.5%
Net interest income $355.08K$410.94K$214.78K$11.19K -13.6%
Pre-tax income -$2.00M$678.28K-$182.58K-$5.20M -394.8%
Tax provision $512.81K-$2.63M$292.52K$280.00K +119.5%
Net income -$2.51M$3.31M-$475.10K-$5.48M -176.0%
Net income to common -$2.51M$3.31M-$475.10K-$5.48M -176.0%
Basic EPS -0.090.12-0.02-0.27 -175.0%
Diluted EPS -0.090.12-0.02-0.27 -175.0%
EBIT -$1.95M$732.09K-$177.38K-$5.20M -366.0%
EBITDA -$1.22K$3.00M$1.90M-$2.46M -100.0%
Basic shares 26.93M26.85M26.49M20.38M +0.3%
Diluted shares 26.93M26.85M26.49M20.38M +0.3%

Options analytics

Account required
Put / call volume
0.00
Call-heavy session
Put / call open interest
0.00
Positioning, not flow
Max pain
2.50
-11.7% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
+25.0%
Puts bid over calls
Call volume
3
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
5.00
200 contracts
Heaviest put OI
2.50
1 contracts

Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.

Free account required

Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.

Earnings

History & consensus estimates
Reported vs expected · EPS
QuarterEst.ActualSurprise
Jun 2026 -0.010.01 +249.9%
Mar 2026 -0.020.00 +100.0%
Dec 2025 0.01-0.05 -1,100.0%
Sep 2025 0.01-0.02 -500.0%
Forward consensus
PeriodEPSAnalystsRevenueGrowth
Current quarter 0.02 2 $23.89M +12.8%
Next quarter 0.03 2 $24.56M +10.4%
Current year 0.09 2 $97.83M +14.6%
Next year 0.17 2 $109.55M +12.0%

Analyst targets & ownership

Account required
Mean target$5.92
High target$6.75
Low target$5.00
Implied upside109.07%
Analyst count3
ConsensusSTRONG BUY
Strong buy / Buy1 / 2
Hold0
Sell / Strong sell0 / 0
Held by insiders35.08%
Held by institutions24.78%
Institutions holding37
Free account required

Price targets, consensus spread, insider and institutional ownership.

Moving averages & technicals

Computed from 2Y daily closes
SMA 10
2.59
+9.35% from price
SMA 20
2.48
+14.14% from price
SMA 50
2.50
+13.04% from price
SMA 100
2.20
+28.67% from price
SMA 200
1.74
+62.39% from price
EMA 12
2.64
+7.28% from price
EMA 26
2.56
+10.54% from price
EMA 50
2.46
+15.02% from price
RSI (14)
63.0
Neutral
MACD (12,26,9)
0.08
Hist 0.06
ATR (14)
0.16
5.75% of price
Realised vol 30D
55.6%
Annualised
Bollinger upper
2.92
20, 2σ
Bollinger lower
2.04
20, 2σ
50 / 200 cross
Golden
2.50 vs 1.74
Trend bias
Above 200
+62.39%

Options chain

Account required
Expiry
Spot 2.83
Calls
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Puts
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Free account required

Every listed expiry, both sides of the book, with volume, open interest and implied volatility.

Risk profile

Daily returns · 1Y window
Beta vs SPY
0.88
Less volatile than market
Correlation to SPY
0.20
Largely independent
Realised vol 30D
55.6%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-30.5%
Peak to trough
Max drawdown 5Y
-87.3%
Peak to trough
ATR 14
0.16
5.75% of price
Beta (reported)
1.36
5Y monthly, from filing

Short interest

Semi-monthly exchange report · lags by ~2 weeks
Shares short
53.69K
Prior 55.41K
Change vs prior
-3.1%
Shorts covering
% of float
0.23%
Normal
% of shares out
0.19%
Against total outstanding
Days to cover
0.1
Liquid
Float
20.01M
Freely tradeable shares

Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.

Rating changes

15 on file
DateFirm ActionFromTo
Aug 13, 26 Ladenburg Thalmann MAINTAINED Buy Buy
May 15, 26 Ladenburg Thalmann MAINTAINED Buy Buy
Mar 20, 26 HC Wainwright & Co. MAINTAINED Buy Buy
Mar 27, 25 HC Wainwright & Co. MAINTAINED Buy Buy
Jan 29, 25 HC Wainwright & Co. MAINTAINED Buy Buy
Aug 16, 24 HC Wainwright & Co. MAINTAINED Buy Buy
Jun 5, 24 Litchfield Hills INITIATED — Buy
May 17, 24 HC Wainwright & Co. MAINTAINED Buy Buy
Apr 1, 24 HC Wainwright & Co. MAINTAINED Buy Buy
Aug 16, 23 HC Wainwright & Co. MAINTAINED Buy Buy
May 25, 23 Barrington Research MAINTAINED Market Perform Market Perform
May 17, 23 HC Wainwright & Co. INITIATED — Buy

Dividends & splits

Declared · from the issuer
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split1:15
Split dateJul 23, 2015

PRIVATE STRATEGY · BY QUALIFICATION

The same data. A different seat.

The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.