Usio, Inc. (USIO)

1.36 0 (0%)

As of 2025-12-31 16:10:04 EST

Usio, Inc. is an American financial technology company headquartered in San Antonio, Texas. It provides integrated electronic payment services, including ACH processing, credit card and debit card acceptance, payment facilitation for software platforms, prepaid card issuing and a document print and mail operation.

Traded asNasdaq: USIO
ISINUS9173131080
CIK0001088034
LEI2549006D7UF7072T7I27
EIN980190072
SectorFinancial technology
IndustryFunctions Related To Depository Banking, NEC
CEO—
Employees—
Fiscal Year End1231
Address3611 PAESANOS PARKWAY, SAN ANTONIO, TX, 78231
Phone2102494100
Websitehttps://usio.com/
Stock Quotes
trading_symbolregistrant_nametimepricechangepercentage_change
USIOUsio, Inc.2025-12-31 16:10:041.3600
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Company Information
trading_symbolcentral_index_keyregistrant_nameisin_numberlei_numberein_numberexchangesic_codesic_descriptionfiscal_year_endstate_of_incorporationaddress_streetaddress_cityaddress_stateaddress_zip_codeaddress_countryaddress_country_codephone_numbermailing_addressbusiness_addressformer_nameindustryfounding_datechief_executive_officernumber_of_employeeswebsitemarket_capshares_issuedshares_outstandingdescriptionupdate_time
USIO0001088034Usio, Inc.US91731310802549006D7UF7072T7I27980190072Nasdaq6099Functions Related To Depository Banking, NEC1231NV3611 PAESANOS PARKWAYSAN ANTONIOTX78231UNITED STATESUS21024941003611 PAESANOS PARKWAY, SAN ANTONIO, TX, 782313611 PAESANOS PARKWAY, SAN ANTONIO, TX, 78231PAYMENT DATA SYSTEMS INCFinancial technology1998——https://usio.com/29,845,56331,191,73327,307,839Usio, Inc. is an American financial technology company headquartered in San Antonio, Texas. It provides integrated electronic payment services, including ACH processing, credit card and debit card acceptance, payment facilitation for software platforms, prepaid card issuing and a document print and mail operation. 2025-12-25 21:49:03
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USIO Stock Price (End-of-Day)
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USIO Stock Price (1-Minute)
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Market Cap
Fiscal YearMarket CapChange In Market CapPercentage Change In Market CapShares OutstandingChange In Shares OutstandingPercentage Change In Shares Outstanding
202429,845,563579,3891.979726,514,356171,8970.6525
202329,266,174-9,275,410-24.06626,342,459-194,179-0.7317
202238,541,584-62,708,416-61.934226,536,6381,003,6253.9307
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Executive Compensation
Executive NameExecutive PositionFiscal YearSalaryBonusStock AwardsIncentive Plan CompensationOther CompensationTotal Compensation
Greg CarterEVP2024264,9780162,680—16,569444,227
Michael WhiteChief Accounting Officer2024177,3480213,900—17,516408,765
Louis A. HochChairman, President2024783,222250,000280,550—34,6751,348,447
Houston FrostChief Product Officer, SVP2024236,466080,600—3,747320,813
Louis A. HochPresident, Vice Chairman2023633,4620577,500—34,0751,245,037
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Employee Count
Fiscal YearEmployee Count
2024107
2023126
2022117
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Income Statements
Fiscal Year202420232022
Revenue82,931,84082,591,10969,428,285
Cost Of Revenue63,317,39663,992,41754,835,069
Gross Profit19,614,44418,598,69214,593,216
Research And Development Expenses———
General And Administrative Expenses———
Operating Expenses21,084,78920,521,19219,807,646
Operating Income-1,470,345-1,922,500-5,214,430
Net Income3,305,497-475,104-5,483,244
Earnings Per Share Basic0.12-0.02-0.27
Earnings Per Share Diluted0.12-0.02-0.27
Weighted Average Shares Outstanding Basic26,852,12920,105,96820,379,386
Weighted Average Shares Outstanding Diluted26,852,12920,105,96820,379,386
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Balance Sheet Statements
Fiscal Year202420232022
Cash And Cash Equivalents8,056,8917,155,6875,709,117
Marketable Securities Current———
Accounts Receivable5,053,6395,564,1384,371,640
Inventories403,796422,808507,355
Non Trade Receivables———
Other Assets Current———
Total Assets Current95,156,03897,241,10687,409,953
Marketable Securities Non Current———
Property Plant And Equipment3,194,8183,660,0923,222,816
Other Assets Non Current357,877355,357355,357
Total Assets Non Current12,052,4099,693,56410,503,016
Total Assets107,208,447106,934,67097,912,969
Accounts Payable1,256,8191,031,141858,622
Deferred Revenue—00
Short Term Debt147,581107,27056,429
Other Liabilities Current3,366,9253,801,2783,721,108
Total Liabilities Current84,945,60589,227,70781,624,930
Long Term Debt719,443718,98014,994
Other Liabilities Non Current———
Total Liabilities Non Current3,105,8792,638,1242,353,941
Total Liabilities88,051,48491,865,83183,978,871
Common Stock198,317197,087195,471
Retained Earnings-68,032,656-71,338,153-70,863,049
Accumulated Other Comprehensive Income———
Total Shareholders Equity19,156,96315,068,83913,934,098
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Cash Flow Statements
Fiscal Year202420232022
Depreciation And Amortization2,263,3022,081,5332,735,118
Share Based Compensation Expense2,093,4062,222,9692,072,041
Other Non Cash Income Expense-18,340——
Change In Accounts Receivable-510,4991,192,498-607,853
Change In Inventories-19,012-84,54772,823
Change In Non Trade Receivables———
Change In Other Assets———
Change In Accounts Payable-208,675252,689853,965
Change In Other Liabilities———
Cash From Operating Activities2,896,25114,915,902-17,036,477
Purchases Of Marketable Securities———
Sales Of Marketable Securities———
Acquisition Of Property Plant And Equipment991,881834,964812,242
Acquisition Of Business———
Other Investing Activities———
Cash From Investing Activities-944,381-834,964-812,242
Tax Withholding For Share Based Compensation597,568—227,975
Payments Of Dividends———
Issuance Of Common Stock97,663——
Repurchase Of Common Stock1,408,442456,9611,344,569
Issuance Of Long Term Debt——0
Repayment Of Long Term Debt106,80756,99254,771
Other Financing Activities———
Cash From Financing Activities-5,143,468-513,953-1,399,340
Change In Cash-3,191,59813,566,985-19,248,059
Cash At End Of Period8,056,8917,155,6875,709,117
Income Taxes Paid290,144116,204269,500
Interest Paid53,8025,2024,051
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Key Metrics
Fiscal Year202420232022
Earnings Per Share0.12-0.02-0.27
Price To Earnings Ratio12.1667-86-6.1111
Earnings Growth Rate-700-92.59261,250
Price Earnings To Growth Ratio-0.01740.9288-0.0049
Book Value Per Share0.71340.74950.6837
Price To Book Ratio2.04652.2952.4132
Ebitda5,912,7451,727,835-2,474,575
Enterprise Value32,014,241.3428,252,827.9627,988,292.9
Dividend Yield———
Dividend Payout Ratio———
Debt To Equity Ratio0.04530.05480.0051
Capital Expenditures1,798,0282,518,8092,350,777
Free Cash Flow1,098,22312,397,093-19,387,254
Return On Equity0.1725-0.0315-0.3935
One Year Beta0.47091.11590.9297
Three Year Beta0.88371.05950.6501
Five Year Beta0.66960.68960.6125
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Insider Transactions
Insider NameRelationship To IssuerTransaction DateAmount Of SecuritiesAcquired Or DisposedSecurities Owned Following Transaction
HOCH LOUIS ADirector, Chairman, President and CEO, 10% owner2025-12-085,000D3,231,434
HOCH LOUIS ADirector, Chairman, President and CEO, 10% owner2025-12-0835,433D3,196,001
HOCH LOUIS ADirector, Chairman, President and CEO, 10% owner2025-08-227,000A39,000
HOCH LOUIS ADirector, Chairman, President and CEO, 10% owner2025-08-21300,000A3,236,434
HOCH LOUIS ADirector, Chairman, President and CEO, 10% owner2025-08-217,000A32,000
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Institutional Holdings
Investor NamePeriod Of ReportMarket ValueAmount Of SecuritiesPrice Per Security
Allworth Financial LP2025-09-3058,55341,2341.42
CIBC Private Wealth Group LLC2025-09-307,1185,0131.4199
Perritt Capital Management Inc2025-09-30587,454413,7001.42
GOLDMAN SACHS GROUP INC2025-09-3070,33449,5311.42
CITADEL ADVISORS LLC2025-09-30111,46078,4931.42
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Mutual Fund Holdings
Registrant NamePeriod Of ReportFund NameFund SymbolAmount Of UnitsValue In UsdPercentage Value Compared To Assets
PERRITT FUNDS INC2025-10-31Investor ClassPRCGX340,000499,8000.8331
iSHARES TRUST2025-09-30iShares Micro-Cap ETFIWC49,88570,836.70.0072
VANGUARD INDEX FUNDS2025-09-30Institutional Select SharesVSEMX161,053228,695.260.0003
VANGUARD INDEX FUNDS2025-09-30Institutional Plus SharesVEMPX161,053228,695.260.0003
VANGUARD INDEX FUNDS2025-09-30ETF SharesVXF161,053228,695.260.0003
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