USIO stock forecast, quote, news & analysis
Usio Inc is a cloud-based Fintech payment processor... Show more
Why Usio (USIO) Stock Is Up +30.2% in the Last 30 Days
Key Takeaways
- USIO shares rose about 30% over the 30-day window, from a closing price of $2.12 on July 17, 2026, to $2.76 on August 14, 2026.
- Momentum accelerated after Usio's second-quarter report on August 12, 2026, which featured 19% revenue growth, a second consecutive quarter of positive GAAP net income, and raised full-year guidance.
- Fundamental support came from PayFac-driven card revenue, up 28% year over year, and record ACH transaction activity in July.
- The broader three-month trend was stronger: shares gained roughly 74% from the $1.59 close on May 14, 2026.
- Analyst activity, including a Ladenburg Thalmann price-target increase to $6.75, reinforced the more constructive investor tone.
Usio (USIO) Company Overview and Market Position
Usio, Inc. is a San Antonio, Texas-based fintech company providing integrated, cloud-based electronic payment and embedded financial solutions. The company operates four complementary business lines: ACH and complementary services; credit and debit card processing, including payment facilitator (PayFac) offerings; prepaid and card-issuing programs; and Output Solutions, which handles electronic bill presentment, document printing, and mailing. The model emphasizes diversified, recurring revenue; in the second quarter of fiscal 2026, no single customer represented more than 10% of total revenue. Investors follow USIO for its shift toward sustained profitability, PayFac growth momentum, and cross-selling across the Usio ONE platform.
Usio (USIO) Stock Price Performance: Last 30 Days vs. Quarter
Over the 30-day window, USIO rose from a close of $2.12 on July 17, 2026, to $2.76 on August 14, 2026, a gain of approximately 30.2%. The move was not linear: the stock consolidated in the low-$2 range in mid-July before rallying sharply after second-quarter results. On August 13, 2026, shares surged on volume of roughly 1.45 million, well above typical daily turnover, and reached an intraday high near $2.98.
Over the trailing quarter, the trend was even stronger. From a close of $1.59 on May 14, 2026, the stock climbed roughly 73.6% to $2.76 on August 14, 2026. The pattern reflects consecutive quarters of record revenue, improving profitability, and a post-earnings breakout following a midsummer consolidation.
What Drove USIO Stock Price in the Last 30 Days
The decisive catalyst was Usio's second-quarter fiscal 2026 report, released after the market close on August 12, 2026. The company posted revenue of $23.68 million, up 19% from $19.96 million a year earlier, and GAAP net income of $280,000, or $0.01 per share. That marked the second consecutive quarter of positive GAAP net income, and adjusted EBITDA of $1.1 million was more than double the year-earlier figure. Management also raised its full-year revenue growth outlook to 14%–16%, up from 10%–12%.
Segment results supported the advance. Card revenue increased 28% year over year to $9 million, led by a 43% gain in PayFac revenue, which represented more than three-quarters of card revenue. ACH revenue, the company's most profitable unit, grew 21%, and July set a monthly ACH transaction record. Output Solutions revenue rose 22%. Management also highlighted school voucher programs in approximately five or six states, representing roughly $1.5 billion in expected total volume, plus a Title IV university refund opportunity in the second half.
Analyst actions added momentum. Ladenburg Thalmann maintained a Buy rating and raised its price target to $6.75 from $6.25 on August 13, 2026, while Maxim Group reiterated a Buy rating with a $5.00 target.
What Drove USIO Stock Performance Over the Last Quarter
The three-month advance built on fundamentals that predated the latest earnings report. In May 2026, Usio reported first-quarter revenue of $25.5 million, up 16% year over year and the highest quarterly revenue in company history. Total payment dollars processed rose 28% and total payment transactions increased 22%, while the company generated positive operating income, adjusted EBITDA, net income, and operating cash flow.
The broader narrative shifted from a micro-cap payments provider to a growth-and-margin story. PayFac momentum accelerated, enterprise account implementations began contributing recurring volume, and Output Solutions sustained double-digit growth. The balance sheet strengthened, with operating cash above $7.7 million at the end of the first quarter, and the company continued modest share repurchases. Improving profitability, rising volumes, and raised guidance reinforced the stock's re-rating.
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USIO Stock Forecast Drivers: What Investors Should Watch Next
Looking ahead, investors are likely to monitor whether Usio can sustain double-digit revenue growth while expanding margins. Key items include the ramp of school voucher programs across five or six states, the rollout of Title IV university refund distributions through a fintech partner, and the commercialization of Usio Ion, the company's post-credit platform. Margin trajectory also matters: management has pointed to 23%–25% gross margins in the near term, with potential to move higher as Ion scales. Additional watchpoints include PayFac merchant and ISV growth, RTP adoption, Output Solutions efficiency gains from new equipment, and broader macro variables such as consumer spending, inflation, and interest rates. These factors will help determine whether recent gains are sustained as execution continues.
Disclaimer
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USIO's MACD Histogram crosses above signal line
The Moving Average Convergence Divergence (MACD) for USIO turned positive on August 04, 2026. Looking at past instances where USIO's MACD turned positive, the stock continued to rise in of 45 cases over the following month. The odds of a continued upward trend are .
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on July 31, 2026. You may want to consider a long position or call options on USIO as a result. In of 100 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are .
Following a 3-day Advance, the price is estimated to grow further. Considering data from situations where USIO advanced for three days, in of 217 cases, the price rose further within the following month. The odds of a continued upward trend are .
Bearish Trend Analysis
The RSI Indicator demonstrated that the stock has entered the overbought zone. This may point to a price pull-back soon.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In of 56 cases where USIO's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are .
USIO broke above its upper Bollinger Band on August 13, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for USIO entered a downward trend on August 06, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Price Growth Rating for this company is (best 1 - 100 worst), indicating steady price growth. USIO’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (4.261) is normal, around the industry mean (22.706). P/E Ratio (12.864) is within average values for comparable stocks, (70.701). Projected Growth (PEG Ratio) (0.000) is also within normal values, averaging (2.165). USIO has a moderately low Dividend Yield (0.000) as compared to the industry average of (0.021). P/S Ratio (0.835) is also within normal values, averaging (111.908).
The Tickeron Seasonality Score of (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is (best 1 - 100 worst), indicating that the returns do not compensate for the risks. USIO’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 92, placing this stock worse than average.
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General Information
a company, which engages in providing integrated payment solutions.
Industry ComputerCommunications