Usio (USIO) Stock Price, News & Analysis

Company Overview

Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services include Represented Check and Check Conversion for electronic payment facilitation. In addition, the company offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, Discover, and JCB networks, including online terminal services accessed through a website or retail services accessed through a physical terminal. Further, it provides a proprietary web-based customer service application that allows companies to process one-time and recurring payments through e-checks or credit cards; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a prepaid core processing platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.

Key Stats

• Today's Range: $1.40 to $1.49
• 50-Day Range: $1.33 to $1.52
• 52-Week Range: $1.30 to $2.00
• Volume: 134,911 shs
• Average Volume: 73,452 shs
• Market Capitalization: $38.52 million
• P/E Ratio: 15.78
• Dividend Yield: N/A
• Price Target: $5.00
• Consensus Rating: Buy

Usio Stock Analysis - MarketRank™

Usio scored higher than 70% of companies evaluated by MarketBeat, and ranked 125th out of 328 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

Usio has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Usio has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 60.00%

Earnings Growth

Earnings for Usio are expected to grow by 60.00% in the coming year, from $0.10 to $0.16 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Usio is 15.78, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 123.44.

Price to Earnings Ratio vs. Sector

The P/E ratio of Usio is 15.78, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 33.77.

Price to Book Value per Share Ratio

Usio has a P/B Ratio of 2.03. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.09% of the float of Usio has been sold short.

Short Interest Ratio / Days to Cover

Usio has a short interest ratio ("days to cover") of 0.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Usio has recently increased by 3.42%, indicating that investor sentiment is decreasing.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Usio does not currently pay a dividend.

Dividend Growth

Usio does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.09% of the float of Usio has been sold short.

Short Interest Ratio / Days to Cover

Usio has a short interest ratio ("days to cover") of 0.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Usio has recently increased by 3.42%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 0.9 / 5
• News Sentiment: -0.40

News Sentiment

Usio has a news sentiment score of -0.40. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.54 average news sentiment score of Business Services companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Usio this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Usio insiders have not sold or bought any company stock.

Percentage Held by Insiders

20.00% of the stock of Usio is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 20.23% of the stock of Usio is held by institutions.

USIO Stock Analysis - Frequently Asked Questions

How have USIO shares performed this year?

Usio's stock was trading at $1.72 at the beginning of the year. Since then, USIO shares have decreased by 17.4% and is now trading at $1.42.
View the best growth stocks for 2024 here.

How were Usio's earnings last quarter?

Usio, Inc. (NASDAQ:USIO) released its quarterly earnings results on Wednesday, November, 10th. The company reported $0.01 earnings per share (EPS) for the quarter, beating the consensus estimate of ($0.02) by $0.03. The business earned $15.82 million during the quarter, compared to analyst estimates of $14.08 million. Usio had a negative trailing twelve-month return on equity of 2.98% and a net margin of 3.33%.

Who are Usio's major shareholders?

Usio's top institutional investors include Whittier Trust Co. (10.71%), Perkins Capital Management Inc. (3.59%), Geode Capital Management LLC (0.67%) and Creative Planning (0.16%). Insiders that own company stock include Topline Capital Management, Ll, Topline Capital Partners, Lp, Houston Korth Frost, Louis A Hoch and Michael R Long.
View institutional ownership trends.

How do I buy shares of Usio?

Shares of USIO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of Usio own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Usio investors own include NVIDIA (NVDA), Broadcom (AVGO), Arista Networks (ANET), Jabil (JBL), Meta Platforms (META), e.l.f. Beauty (ELF) and Adobe (ADBE).

Company Calendar

• Last Earnings: 11/10/2021
• Today: 11/20/2024
• Fiscal Year End: 12/31/2024
• Next Earnings (Estimated): 3/26/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Business Services
• Industry: Functions related to depository banking
• Sub-Industry: Banking
• Current Symbol: NASDAQ:USIO
• CUSIP: N/A
• CIK: 1088034
• Web: www.usio.com
• Phone: (210) 249-4100
• Fax: 210-249-4130
• Employees: 110
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $5.00
• High Stock Price Target: $6.00
• Low Stock Price Target: $4.00
• Potential Upside/Downside: +252.1%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $0.09
• Trailing P/E Ratio: 15.78
• Forward P/E Ratio: 17.75
• P/E Growth: N/A
• Net Income: $-470,000.00
• Net Margins: 3.33%
• Pretax Margin: -0.25%
• Return on Equity: -2.98%
• Return on Assets: -0.45%

Debt

• Debt-to-Equity Ratio: 0.03
• Current Ratio: 1.10
• Quick Ratio: 1.10

Sales & Book Value

• Annual Sales: $82.59 million
• Price / Sales: 0.47
• Cash Flow: $0.06 per share
• Price / Cash Flow: 24.31
• Book Value: $0.57 per share
• Price / Book: 2.49

Miscellaneous

• Outstanding Shares: 27,130,000
• Free Float: 21,704,000
• Market Cap: $38.52 million
• Optionable: Optionable
• Beta: 1.70