Usio, Inc. (USIO)

USIO's stock price has declined over the past six months, with a 46.30% decrease from January 10, 2025, to January 8, 2026. Recent earnings reports have missed revenue estimates, including Q3 2025, Q2 2025, and Q1 2025. The company acquired PostCredit Co. in November 2025 in an all-stock transaction to enhance its business banking services.

While specific monthly demand seasonality for USIO's individual products and services is not explicitly detailed, the payment processing industry experiences seasonal fluctuations, with surges in transaction volumes during peak periods like holidays. The prepaid card market is influenced by the increasing adoption of digital payments and e-commerce, which can have seasonal peaks related to consumer spending habits and gift-giving seasons. Demand for electronic bill presentment and payment solutions is driven by consumer preference for convenient, real-time, and mobile payment options, which can be affected by regular billing cycles and seasonal consumer financial activities.

USIO, Inc. is a FinTech company specializing in integrated electronic payment solutions, operating in the financial software industry. It provides services such as credit, debit, and ACH payment processing, payment gateway services, and prepaid card solutions. The company also offers electronic bill presentment, document composition, and printing and mailing services through its Output Solutions division, focusing on tailored solutions for card issuance, payment acceptance, and bill payments.

USIO, Inc. is headquartered in San Antonio, Texas, with additional offices in Salt Lake City, Utah, and Franklin, Tennessee. While primarily focused on the United States market, its payment processing and technology solutions support businesses engaged in international transactions.

USIO, Inc. achieved the Great Place To Work® Certification™ for 2025/2026, indicating strong employee satisfaction, with 81% of employees rating it as a great workplace. The company's reputation and technology have grown within specific markets, such as governmental entities and the fitness industry, leading to new client acquisitions.

USIO, Inc. has a diverse ownership structure including institutional, insider, and public/individual investors. Institutional investors hold approximately 13.24% to 16.75% of the stock, while insiders own about 19.26%. Public companies and individual investors hold a significant portion, ranging from 3.52% to 63.98%. Major institutional shareholders include Whittier Trust Co., Vanguard Group Inc., and Renaissance Technologies Llc. Louis A. Hoch owns the most shares among individual insiders.