Usio, Inc. (USIO)

Several events impacted USIO's stock in the past six months. The company reported a slight decline in consolidated revenues and a net loss in Q2 2025, leading to an adjustment in its revenue growth guidance. USIO's EPS missed analysts' expectations in Q3 2025, and the stock experienced a -0.7% decline. Usio acquired PostCredit Co. in November 2025 to enhance its business banking services. Usio reported record operational metrics for 2025, but revenue growth was impacted by the loss of a significant reseller account and lower interest rates. The stock price has generally trended downwards, drifting lower by -4.2% since the Q3 2025 earnings report.

Specific information regarding the demand seasonality for USIO, Inc.'s products and services is not readily available. The industries that typically benefit from Usio's offerings include Fintech, E-commerce, Payroll, Government, Healthcare, Insurance, and Education sectors. The inherent nature of these industries may suggest some underlying stability in demand, though specific seasonal fluctuations are not detailed.

USIO, Inc. is a FinTech company offering cloud-based electronic payment and embedded financial solutions. It provides services such as card and ACH payment processing, card issuing and program management, bill presentment and payment, embedded payments, payment facilitation, fund disbursements, and additional payment solutions like Text2Pay and Buy Now Pay Later.

USIO, Inc. is headquartered in San Antonio, Texas, with additional offices in Austin, Texas. Its Usio Output Solutions division also operates from San Antonio, Texas, indicating a primary operational focus within the United States.

USIO, Inc. received positive recognition by earning the "Great Place To Work Certification" for 2025/2026, reflecting strong employee satisfaction and a positive workplace culture.

USIO, Inc. has a mix of institutional and individual ownership. Major institutional owners include Vanguard Group Inc., Perkins Capital Management Inc., and Renaissance Technologies Llc. Louis A Hoch holds the largest number of shares among individual owners. Other significant individual owners and insiders include Houston Korth Frost, Greg M Carter and Michael Joseph White.