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Usio, Inc. Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 29 Dec 2025.
Usio, Inc.: what insiders have been doing
Usio, Inc. is a Finance & Banking company. Its directors and officers file their transactions with SEC (Form 4). The last twelve months, up to 18 October 2026, brought 30 filings signed by 9 insiders.
Purchases and sales both appear in the filings: 1 purchase (1 insider, €18k) and 7 sales (1 insider, €52k). Taken together, the sales exceed the purchases by €34k. Unlike grants, an open-market purchase is paid for by the insider, at the market price. One trade stands out by size: a purchase of €18k from National Services, Inc, disclosed on 29 December 2025.
The last insider purchase was made public on 29 December 2025, 293 days ago. Between a trade and the moment it shows up on SEC (Form 4), the median delay is 4 days. For comparison, the SEC allows two business days to file a Form 4. Keep in mind that insiders sell for many reasons unrelated to the outlook, from tax bills to estate planning.
Compared with its exchange (5,458 companies, median 22 filings), a count of 30 filings is above the norm. The full history, which starts in 2016, counts 6 purchases against 68 sales. For the fiscal year to 31 December 2025, the annual 10-K puts revenue at 85.4 m USD and net income at -2.5 m USD.
For comparison within the same sector, see the insider buying recorded at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. This summary is built from SEC (Form 4) disclosures alone and does not predict where the share price will go.
Insider Decl.
180
Thresholds
n/a
Buy Volume
€24,292
6 ops. · all time
Sell Volume
€1M
68 ops. · all time
Who traded when
BuySaleNational Services, Inc7 sales
Since the insiders bought
- -4.7%Entry US$1.50 · Close at T+365 US$1.43
- +4.5%Entry US$1.54 · Close at T+365 US$1.61
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Usio, Inc. Strong Buy (bullish), based on 3 analysts. Average price target: US$5.92.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 20,428 of 24,148 companies
27.2
score / 100
Value31
Quality24
FCF yld-0.0%
Earn yld-3.1%
EV/EBITDA·
ROE-8.0%
Gross mgn23%
Net mgn-2.9%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$2.86
Analyst consensus
3 analystsStrong buy
US$5.00Target US$5.92(+107%)US$6.75
Income statement
RevenueUS$85.4M
Gross profitUS$19.7M23% margin
EBITDA-US$1.2k-0% margin
Net income-US$2.5M-1.6% margin
Valuation
PER (forward)16.8x
P/Book4.3x
Beta1.36
Balance sheet & cash
Market capUS$81.4M
Total debtUS$3.9M
Free Cash Flow-US$23.6k
Debt / Equity25%
Profitability & ownership
ROE-8.0%
ROA-0.6%
% insiders35.1%
% institutions25.2%
Last declaration on 3 September 2026
Declarations180 total
7,000 shares@ US$2.810.029% mcap13.2% of flowCommon StockSEC:0001096906-26-001333:0
5,642 shares@ US$0.9860.0086% mcap0.8% of flowCommon StockSEC:0001096906-26-001306:0
6,000 shares@ US$2.810.025% mcap2.2% of flowCommon StockSEC:0001096906-26-001294:0
1,630 shares@ US$2.810.0069% mcap0.6% of flowCommon StockSEC:0001096906-26-001294:1
7,000 shares@ US$2.810.029% mcap0.6% of flowCommon StockSEC:0001096906-26-001296:0
2,755 shares@ US$2.810.012% mcap0.3% of flowCommon StockSEC:0001096906-26-001296:1
6,000 shares@ US$2.810.025% mcap6.6% of flowCommon StockSEC:0001096906-26-001295:0
7,000 shares@ US$2.810.029% mcap7.7% of flowCommon StockSEC:0001096906-26-001304:0
2,000 shares@ US$2.810.0084% mcap2.2% of flowCommon StockSEC:0001096906-26-001304:1
7,000 shares@ US$2.810.029% mcap13.8% of flowCommon StockSEC:0001096906-26-001305:0
2,058 shares@ US$2.810.0087% mcap2.3% of flowCommon StockSEC:0001096906-26-001295:1
6,000 shares@ US$2.810.025% mcap5.4% of flowCommon StockSEC:0001096906-26-001293:0
1,779 shares@ US$2.810.0075% mcap1.6% of flowCommon StockSEC:0001096906-26-001293:1
7,000 sharesCommon StockSEC:0001096906-26-000986:0
2,000 shares@ US$1.211.7% of flowCommon StockSEC:0001096906-26-000356:0
7,000 shares@ US$1.213.4% of flowCommon StockSEC:0001096906-26-000340:0
7,000 shares@ US$1.216.1% of flowCommon StockSEC:0001096906-26-000341:0
8,860 shares@ US$1.309419.4% of flowCommon StockSEC:0001213900-26-026149:0
2,787 shares@ US$1.37516.4% of flowCommon StockSEC:0001213900-26-025172:0
4,000 shares@ US$1.340.7% of flowCommon StockSEC:0001096906-26-000288:0
4,000 shares@ US$1.340.8% of flowCommon StockSEC:0001096906-26-000261:0
11,000 shares@ US$1.340.5% of flowCommon StockSEC:0001096906-26-000259:0
4,502 shares@ US$1.34769.9% of flowCommon StockSEC:0001213900-26-009004:0
7,484 shares@ US$1.368416.9% of flowCommon StockSEC:0001213900-26-007785:0
10,000 shares@ US$1.357922.5% of flowCommon StockSEC:0001213900-26-006773:0
25 of 180 declarations
About Usio, Inc.
Usio, Inc. is a U.S.-listed fintech company traded on the Nasdaq under the ticker USIO. Headquartered in San Antonio, Texas, the company operates in the United States and focuses on integrated cloud-based electronic payment and embedded financial solutions. For investors, Usio should be viewed as a payment infrastructure and software-enabled financial services business rather than a traditional bank: it serves merchants, billers, banks, card issuers, software partners and other B2B customers with tools designed to move, collect and present payments more efficiently. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1088034/000143774926008836/ex_890951.htm?utm_source=openai))
Usio’s business model is built around several complementary operating lines: payment facilitation, ACH processing, card issuing and output solutions. In practical terms, the company provides electronic bill presentment and payment capabilities, ACH-based payment processing, physical and virtual card issuance, and transaction-printing, mailing and document-delivery services. This multi-product structure gives Usio a more comprehensive platform offering, allowing it to cross-sell across customer relationships and build recurring revenue streams. Management has repeatedly emphasized the goal of increasing the share of wallet from existing clients through a more unified operating approach. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1088034/000143774926008836/ex_890951.htm?utm_source=openai))
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From a historical perspective, Usio traces its roots to an electronic bill presentment and payment product and then expanded into ACH, PINless debit, remotely created checks, account validation and related payment services. The company changed its name from Payment Data Systems to Usio in July 2019, a rebranding intended to reflect the fusion of its multiple products and services into a single platform identity. That transition matters strategically because it marks the shift from a narrower payments provider to a broader fintech platform with multiple monetization channels. ([usio.com](https://usio.com/singular-payments-payment-data-systems-usio/?utm_source=openai))
In competitive terms, Usio is a small-cap player relative to the large global processors and networks, but it can differentiate through specialization, integration and niche use cases. Its positioning is strongest where clients need embedded payment flows, automated onboarding, disbursements, incentives, expense programs, loyalty use cases and transactional print/mail services. The company also highlights its Nacha-certified third-party sender status, which supports credibility in ACH processing, and its partnership-led go-to-market strategy. ([usio.com](https://usio.com/wp-content/uploads/2025/06/Final-IR-Pres.pdf?utm_source=openai))
Recent developments suggest improving operational momentum. In January 2026, Usio published its annual shareholder letter and highlighted the integration of PostCredit as well as its Usio One initiative, a unifying commercial and operational framework designed to support growth and cross-selling. In March 2026, the company reported full-year 2025 results with higher revenue, higher processing volume and improved adjusted profitability and cash flow. In March 2025, the board also extended and expanded the share repurchase program to $4 million, which indicates management’s confidence in intrinsic value and balance-sheet flexibility. ([nasdaq.com](https://www.nasdaq.com/press-release/usio-inc-publishes-2025-annual-letter-shareholders-2026-01-21?utm_source=openai))
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