Usio, Inc. (USIO)

Over the past six months, USIO's stock price has fluctuated, with a share price of $1.13 as of April 2, 2026, a 15.67% decline from $1.34 on April 7, 2025. The stock's 52-week range has been between $1.03 and $2.02. Key events include the announcement of Fourth Quarter and Full Year 2025 financial results on March 18, 2026, where USIO reported positive Adjusted EBITDA and Cash Flow from Operations with increased processing volume, leading to a subsequent stock decline and drift higher. Additionally, on November 4, 2025, USIO announced record processing and transaction volumes for the three months ended September 30, 2025, across most of its businesses.

While specific demand seasonality for USIO's products and services is not explicitly detailed, its demand is likely influenced by the seasonality of its diverse client base. As USIO provides payment solutions to various industries, increased transaction volumes for its clients during their respective peak seasons would directly translate to increased demand for USIO's services. USIO's demand seasonality would likely mirror the aggregated peak activity periods of the various industry verticals it serves.

USIO, Inc. is a cloud-based Fintech payment processor offering integrated electronic payment and embedded financial solutions. It operates in the Technology sector, focusing on Financial Software, Data Processing, and Other Financial Services. USIO provides payment acceptance through various methods, including payment facilitation, prepaid cards, and electronic billing products for businesses, merchants, and consumers. Its major products include credit/debit card processing, ACH payment processing, and a turn-key card issuing platform. Through its Output Solutions division, USIO offers electronic bill presentment, document composition, document decomposition, and printing and mailing services, emphasizing integrated solutions like PayFac-in-a-Box and its UsioCard prepaid platform.

USIO, Inc. is headquartered in San Antonio, Texas, with additional offices in Nashville, Tennessee, and a development office in Austin, Texas.

In the past year, USIO has maintained a positive brand reputation, particularly highlighted by user reviews on G2. Users consistently rate Usio among the best payment solutions, emphasizing its reliability, support, and effectiveness. Customers frequently point to a responsive, knowledgeable, and technically proficient support experience. Reviewers highlight the company's stability, with funds settling as expected, accurate files, and systems that perform well under pressure and scale without issues.

USIO, Inc. has a mixed ownership structure including institutional, retail, and individual investors. Institutional investors own approximately 11.68% to 20.23% of the stock, insiders hold about 28.87%, and public companies and individual investors own approximately 55.98%. Major institutional owners include Vanguard Group Inc., Perkins Capital Management Inc., and Perritt Capital Management Inc., among others. Louis A. Hoch, the CEO, owns the most shares among individual investors.