Usio, Inc. (USIO)
Usio, Inc. brought in $92.6M of revenue over the twelve months to June 30, 2026, up 10.4% from a year earlier. It posted a net loss of $1.5M. Operating cash flow minus capital spending left $1.1M of free cash flow in fiscal 2025. At June 30, 2026 it held $6.4M in cash against $1.3M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 12, 2026.
Key facts about Usio, Inc.
- Net worth
- Usio, Inc. has a market value (market cap) of $85.5M at the latest share price, and shareholders' equity of $18.8M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $85.4M (+3.0% year on year), with a net loss of $2.5M. Over the 12 months to June 30, 2026: revenue $92.6M, net loss $1.5M.
- Cash flow
- In fiscal 2025 operations brought in $1.5M of cash; after $435K of capital spending, free cash flow was $1.1M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on August 12, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- Usio, Inc.'s next report is expected around November 11, 2026. That is an estimate from its filing rhythm, not a date the company has announced.
What Usio, Inc. does
Usio, Inc. is registered with the SEC under industry code SIC 6099 (Functions Related To Depository Banking, NEC). Its shares trade on NASDAQ under the ticker USIO.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $85.4M | -$2.5M | -$0.09 | $1.1M |
| 2024 | $82.9M | $3.3M | $0.12 | $2.7M |
| 2023 | $84.1M | -$475.1K | -$0.02 | $2.7M |
| 2022 | $69.4M | -$5.5M | -$0.27 | -$17.8M |
| 2021 | $61.9M | -$321.6K | -$0.02 | $28.5M |
| 2020 | $32.3M | -$2.9M | -$0.19 | $5.4M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where USIO ranks in Finance
Latest SEC filings
What Usio, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- August 25, 2026Passive stake (5% or more) SCHEDULE 13G
- August 12, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 19% to $23.7M versus the same quarter last year; diluted EPS $0.01 versus -$0.01.
- August 12, 2026
- June 17, 2026
- June 16, 2026
- June 10, 2026
- May 18, 2026Passive stake changed SCHEDULE 13G/A
- May 18, 2026Passive stake changed SCHEDULE 13G/A
- May 13, 2026
- May 13, 2026Quarterly report 10-Q · period to March 31, 2026Revenue rose 16% to $25.5M versus the same quarter last year; diluted EPS $0.00 versus -$0.01.
What is USIO worth? A DCF from its reported cash flow
Insider trades
What the people running Usio, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider bought or sold shares on the open market in the last 90 days. The 12 reported changes were pay in shares, option exercises, shares withheld for tax or gifts.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| August 21, 2026 | Miller Elizabeth MichelleDirector | Exercised options | 7,000 | $19.7K |
| August 21, 2026 | White Michael JosephSVP, Chief Accounting Officer | Exercised options | 6,000 | $16.9K |
| August 21, 2026 | White Michael JosephSVP, Chief Accounting Officer | Shares withheld for tax | 1,779 | $5K |
| August 21, 2026 | Frost Houston KorthSVP, Chief Product Officer | Exercised options | 6,000 | $16.9K |
| August 21, 2026 | Frost Houston KorthSVP, Chief Product Officer | Shares withheld for tax | 1,630 | $4.6K |
| August 21, 2026 | Uffner JerryHead of Card Issuing | Exercised options | 6,000 | $16.9K |
| August 21, 2026 | Uffner JerryHead of Card Issuing | Shares withheld for tax | 2,058 | $5.8K |
| August 21, 2026 | Hoch Louis AChairman, President and CEO, Director, 10% owner | Exercised options | 7,000 | $19.7K |
Who owns USIO
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| National Services, Inc.13G, passive | 9.86% | May 18, 2026 |
| Whittier Holdings, Inc.13G, passive with 1 related filers | 9.83% | May 18, 2026 |
| S.S. OR I.R.S. INDENTIFICATION NO. OF ABOVE PERSON Katherine Ayers13D, may seek influence | 6.59% | November 29, 2023 |
| Tall Pines Capital, LLC13G, passive with 1 related filers | 5.36% | August 25, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 33 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Whittier Trust Co | 2,713,852 | 0 |
| Vanguard Capital Management LLC | 917,455 | +15,296 |
| Perkins Capital Management Inc | 700,371 | -1,561 |
| Renaissance Technologies LLC | 437,241 | +36,500 |
| Geode Capital Management, LLC | 184,503 | +65,386 |
| North Star Investment Management Corp. | 180,000 | 0 |
| Stonebridge Wealth Management, LLC | 177,084 | new |
| BlackRock, Inc. | 111,768 | +19,778 |
| Vanguard Fiduciary Trust Co | 105,174 | +784 |
| Rothschild Wealth LLC | 79,700 | -6,000 |
| State Street Corp | 76,789 | 0 |
| Citadel Advisors LLC | 71,027 | -109,052 |
| Bridgeway Capital Management, LLC | 71,000 | -30,000 |
| Morgan Stanley | 50,289 | -4,746 |
| Dimensional Fund Advisors LP | 46,421 | 0 |
| Osaic Holdings, Inc. | 46,353 | 0 |
| Northern Trust Corp | 45,040 | +11,644 |
| Allworth Financial LP | 41,234 | 0 |
| Susquehanna International Group, Llp | 28,027 | -39,183 |
| XTX Topco Ltd | 25,368 | +9,860 |
Insiders
9 insiders reported holding 8,372,693 shares in total, about $25.1M at the last price.
| Holder | Shares |
|---|---|
| Hoch Louis AChairman, President and CEO, Director, 10% owner | 3,510,579 |
| National Services, Inc10% owner | 2,721,272 |
| Frost Houston KorthSVP, Chief Product Officer | 779,478 |
| Carter Greg MEVP, Payment Acceptance | 456,890 |
| White Michael JosephSVP, Chief Accounting Officer | 326,179 |
| Uffner JerryHead of Card Issuing | 249,212 |
| Rollins BradDirector | 150,667 |
| Beyer del la Garza Ernesto RDirector | 100,222 |
| Miller Elizabeth MichelleDirector | 78,194 |
Questions about USIO
What does Usio, Inc. do?
Usio, Inc. is a company in the Finance sector, listed on NASDAQ as USIO. Its shares trade on NASDAQ under the ticker USIO.
What is Usio, Inc.'s net worth?
Usio, Inc. has a market value (market cap) of $85.5M at the latest share price, and shareholders' equity of $18.8M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Usio, Inc. profitable?
No. Over the twelve months to June 30, 2026 it reported a net loss of $1.5M on revenue of $92.6M.
How much revenue does Usio, Inc. make?
Over the twelve months to June 30, 2026 Usio, Inc. reported revenue of $92.6M. That is 10.4% more than a year earlier.
When did Usio, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 12, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the insider trade from September 3, 2026.
When is Usio, Inc.'s next earnings report?
Usio, Inc.'s next report is expected around November 11, 2026. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values Usio, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.