Usio Inc. Common Stock (USIO)

FairStock Score: 40/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I see a small payment processor with 107 employees. In FY2025, the year ended 2025-12-31, revenue was $85.4M and net income was -$2.5M, or EPS -$0.09, after FY2024, ended 2024-12-31, had revenue of $82.9M, net income of $3.3M, and EPS of $0.12. Revenue edged up, but profits reversed into a loss. The latest data are better: in fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $23.7M, net income was $280,080, and diluted EPS was $0.01. Fiscal Q1 2026, ended 2026-03-31, had revenue of $25.5M, net income of $122,503, and diluted EPS of $0.00. So there are two profitable quarters, but the margin in fiscal Q2 2026 was only 1.18%. FairStock classifies this as a TURNAROUND because the latest filed year showed a loss after earlier profits. At the close on 2026-10-13, the price was $2.67. FairStock calculations show P/B of 4.05, P/E of -44.50, EV/EBITDA of 94.41, FCF yield of -1.5%, ROE of -8.04%, ROCE of -0.60%, Piotroski 5/9, Altman Z -0.06, and a FairStock Score of 40/100. Trailing free cash flow was -$1.1M. Debt-to-equity of 0.25 is modest. The business is competitive and I see no durable moat. I would want to see consistent free cash flow and returns on capital before paying a premium to book value.

In plain English: Usio is a small technology company that handles electronic payments, such as ACH transfers and card processing, for merchants in the United States. The business looks weak and uneven: it lost money in its latest full year, ended 2025-12-31, after a profit in the prior year, ended 2024-12-31, though the two most recent quarters showed small profits. At the 2026-10-13 closing price of $2.67, the stock looks expensive relative to its earnings and accounting value, so it is not an obvious bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer