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Stock Ratings / Financials / USIO / forecast
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Usio Inc. (USIO) 12-Month Stock Forecast & Price Target Cone

$2.92 -10.15% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $2.86

Usio Inc. (USIO) carries a Roarable Rating of D (Sell) with 46/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $83.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on USIO Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is USIO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Usio Inc. (NASDAQ: USIO) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $2.92 (-10.15% 1D, market cap $83.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, USIO ranks #770 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does USIO compare to EVF and SIEB in the Financials sector?
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Within the Financials sector (Investment Bankers/Brokers/Service), USIO carries a Roarable D (46/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -16.1%. By comparison, EVF (Eaton Vance Senior Income Trust) holds a D grade (45/100 RQD, P/E N/A, ROIC —, cap $84.9M) and SIEB (Siebert Financial Corp.) posts a D grade (47/100 RQD, P/E N/A, ROIC 6.2%, cap $79.0M). Among the 5-stock peer group, USIO leads on earnings multiple (N/A) while SIEB leads on capital efficiency (6.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for USIO?
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Per USIO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001088034), Usio Inc. generated $85.4M in revenue (+3.0% YoY), -$2.5M in net income, and $1.1M in free cash flow against $134.9M in total assets and $1.1M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $2.86 (-2.02%)🧬 Dilution Drag (+1.92% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 1.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.1% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510046
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D
Cash (11)Whales (12)SEC (8)Macro (10)CEO (5)
Each axis scored 0–20
12M PRICE TARGET CONE-5.5% Base Target
$3 Bull$3 Base$2 Bear
📬 FREE USIO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for USIO)Realized 20D OHLCV Swing Band: ±12.5%
Deterministic 5-Pillar Attribution (46/100 Composite)
🔍 WHY USIO SCORES 46/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+12/20 pts (26% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 1.3% FCF Margin ($1.1M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution5/20 pts (-15 pt drag)

Dilution Drag (+1.92% YoY Shares) & executive Form 4 sales trim 15 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
38
Grade E$2.67+6.7% Next Q
Q2 (-2Q)
41
Grade D$2.85+12.3% Next Q
Q3 (-1Q)
43
Grade D$3.20-8.8% Next Q
Current
46
Grade D$2.92-6.1% Hist 90D α
Trajectory: E (38) → D (46)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a USIO Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While USIO currently carries a cautious 46/100 (D) rating due to Insider Conviction & Share Dilution (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($2.74) and Max Pain ($3.07) forces dealer call-delta covering toward $3.45.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.92% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $USIO• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “USIO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 46%NO 54%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your USIO Position Size: $10,000

Shares at $2.92: 3424.7 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $2.15
$7,363
$-2,637 (-26.4%)
12M Consensus BaseTarget $2.76
$9,452
$-548 (-5.5%)
12M Bull Case BreakoutTarget $3.45
$11,815
+$1,815 (+18.2%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (35 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 9
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$374%A
Goldman SachsSector Coverage LeadUNDERPERFORM$369%B
JP MorganUS Large-Cap ResearchSELL$258%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring USIO)

  • ✓Walkthrough of USIO's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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USIO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +128.13%▲ ASCENDING CHANNEL
2026-11-03O $3.25H $3.25L $2.92C $2.92VOL 334.5K
RES: $3.34SUP: $2.47SMA50: $2.74SMA200: $1.90
$3.44$2.82$2.20$1.59$0.97RES $3.34SUP $2.47$2.922026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

USIO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 USIO Butterfly Map → + Track USIO →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +3.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on USIO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for USIO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for USIO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (USIO)

Financials Rank #770 of 1097 ⚔️ EVF vs USIO Full Matrix →

1. Head-to-Head Financials Peer Comparison (USIO vs. EVF, SIEB, AIB, GSIW)

Industry: Investment Bankers/Brokers/Service (64 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Usio Inc. (USIO) ranks #770 by composite RQD confidence (46/100, grade D) and #983 by equity capitalization ($83.2M). Within this direct 5-issuer industry benchmark cohort, USIO leads on earnings valuation at N/A trailing P/E, while SIEB leads on capital efficiency and profitability with 6.2% ROIC and — gross margin. SIEB currently holds the highest overall quantitative score in the immediate peer group at 47/100 (D) compared with USIO at 46/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
USIO ACTIVE
Usio Inc.
D 46/100 — — -16.1% -10.15% $83.2M Benchmark Subject
EVF
Eaton Vance Senior Income Trust
D 45/100 — — — -0.21% $84.9M /evf-vs-usio →
SIEB
Siebert Financial Corp.
D 47/100 — — 6.2% +2.19% $79.0M /sieb-vs-usio →
AIB
AIB Data Centers Inc.
D- 43/100 — — — -6.67% $74.5M /aib-vs-usio →
GSIW
Garden Stage Limited (Class A)
E 27/100 — — — 0.00% $97.7M /gsiw-vs-usio →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001088034 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Usio Inc. (USIO) reported GAAP revenue of $85.4M (+3.0% vs. FY2024 revenue of $82.9M , and +1.6% cumulative change since FY2023) , GAAP net income of -$2.5M, operating cash flow of $1.5M, and free cash flow of $1.1M (-60.1% YoY). On the balance sheet, USIO closed FY2025 with $134.9M in total assets against $1.1M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $85.4M -$2.5M $1.5M $1.1M $134.9M $1.1M
FY2024 (FY) 2024-12-31 $82.9M $3.3M $2.9M $2.7M $107.2M $571.9K
FY2023 (FY) 2023-12-31 $84.1M -$475.1K $3.5M $3.5M — —

3. USIO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is USIO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Usio Inc. (NASDAQ: USIO) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $2.92 (-10.15% 1D, market cap $83.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, USIO ranks #770 in composite RQD confidence.

How does USIO compare to EVF and SIEB in the Financials sector?

Within the Financials sector (Investment Bankers/Brokers/Service), USIO carries a Roarable D (46/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -16.1%. By comparison, EVF (Eaton Vance Senior Income Trust) holds a D grade (45/100 RQD, P/E N/A, ROIC —, cap $84.9M) and SIEB (Siebert Financial Corp.) posts a D grade (47/100 RQD, P/E N/A, ROIC 6.2%, cap $79.0M). Among the 5-stock peer group, USIO leads on earnings multiple (N/A) while SIEB leads on capital efficiency (6.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for USIO?

Per USIO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001088034), Usio Inc. generated $85.4M in revenue (+3.0% YoY), -$2.5M in net income, and $1.1M in free cash flow against $134.9M in total assets and $1.1M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is USIO trading relative to its 50-day, 200-day, and 52-week technical levels?

USIO last traded at $2.92 (-10.15% on volume of 334,488 shares), positioning the stock +6.57% above its 50-day simple moving average ($2.74) and +53.68% above its 200-day simple moving average ($1.90). Across its 52-week range of $1.03 to $3.29, USIO sits at the 83.6% percentile with a 14-day RSI of 50.2 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($2.56 to $3.28).

Direct Sub-Reports: USIO RQD Cockpit USIO 12M Forecast USIO Earnings & Move USIO Dividends & DRIP USIO Insiders & 13F USIO Whale Options USIO Profit Sankey USIO News & Why
ROARABLE RATING BRIEF • RQD 46/100 (D) ✓ SEC XBRL & RQD VERIFIED

USIO — Usio Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Usio Inc. (USIO) earns a live Roarable RQD composite score of 46/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $2.92 (-10.15% 1D, market capitalization $83.2M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of -16.1%, gross margin of —, operating margin of -2.8%, and free cash flow yield of 1.16%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (5/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (8/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Usio Inc. Is a NASDAQ-listed company in the Financials sector, operating within the Investment Bankers/Brokers/Service industry. The profile describes its market capitalization as $0.1B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Usio Inc. (USIO) reported $85.4M in annual revenue (up from $82.9M in FY2024, +3.0% YoY) and -$2.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($84.1M revenue, -$475.1K net income) through FY2025, USIO scaled operating cash flow to $1.5M and free cash flow to $1.1M, backed by $134.9M in total assets against $1.1M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 46/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 1.16% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $1.03 – $3.29 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -2.8% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Investment Bankers/Brokers/Service (Financials), USIO carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can USIO sustain or expand its -2.8% operating margin and -16.1% ROIC against Investment Bankers/Brokers/Service peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $85.4M and free cash flow of $1.1M, how will capital allocation balance growth reinvestment against $1.1M in total debt?
  • Key Question #3: How sensitive is USIO's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

USIO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Usio Inc. (USIO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to USIO Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

USIO Bull vs. Bear Conversation Board — What's Your Call at $2.92?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON USIO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on USIO:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $3.56 (+21.9%)
📌 Pinned Debate

Institutional accumulation and options positioning score 15/20 in the RQD rating, the strongest pillar in the scorecard.

Picked up a starter position in USIO in my $100K Virtual Cash book at $2.92. Institutional accumulation and options positioning score 15/20 in the RQD rating, the strongest pillar in the scorecard.. Trading inside a $1.03–$3.29 52-week range with 1.16% FCF yield gives solid downside support if Investment Bankers/Brokers/Service multiples expand this quarter.

VolSurface_Trader 🐂 BULL

Both sides have a point here — USIO's 8/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $2.39 (-18.2%)
Spot @ $2.92

Negative ROIC of -16.1% and an operating margin of -2.8% show the company is not yet generating returns on invested capital.

Fading this rally in USIO at $2.92. Negative ROIC of -16.1% and an operating margin of -2.8% show the company is not yet generating returns on invested capital.. With a beta of 1.0 and the stock sitting at $2.92 (52-wk range $1.03–$3.29), the easy multiple expansion is already priced in.

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