Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States.
Positioning no disclosures inside 60 days, left as found
Options put/call open interest 1.90, read 2026-11-03
Ethical passes the values gate
Price3.00 USD
Fair value4.79
Ethical score70.0/100
Value readUndervaluedas of 4 Nov 2026
Our investment reviews on this name
2026-11-01Read Accumulation2.92+2.7% to today ✓Markup gives way to Accumulation first Accumulation read since October
2026-10-25Read Markup2.86+5.1% to today ✓Accumulation gives way to Markup after a 25% rise in 2 weeks
2026-10-11Read Accumulation2.29+31.0% to today ✓Distribution gives way to Accumulation while volume is distributing
2026-10-02Read Distribution2.29+31.0% to today Markup gives way to Distribution after a 16% slide in 2 weeks
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Usio Inc holds its Markup at $3.00. Consolidating, no directional conviction, held for 30 days.
As held on the ledger · 2026-11-04
Phase
Markup
Quantitative state
Consolidating, no directional conviction, held for 30 days
Price at the screen
$3.00
Valuation
N/A trailing · 18.24 forward price to earnings
Values screen
PASS· score 70.0
Beta
1.36
The Workings
Five Screens, Shown in Full
Full pass across all five screens. This security clears the Titan Ethical Standard: its business and its balance sheet both stay inside the lines.
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
2.88%
Below 33%
Interest-bearing debt is just 2.9% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
0.00%
Below 33%
Cash held in interest-bearing accounts and securities is 0.0% of assets, under the one-third limit.
Pass
Receivables
9.42%
Below 49%
Money owed to the company is 9.4% of assets, under the 49% limit.
Pass
Revenue purity
0.48%
Below 5%
Only 0.5% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Clears, in Plain English
Usio clears all five screens. Its business is in a permissible area, its interest-bearing debt is about 3%, inside the ~33% line, and almost none of its income is interest, so it passes.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Undervalued vs our fair value, as of 4 Nov 2026: it trades at roughly a 37% discount to our $4.79 fair value, none competitive moat, 18.60% revenue growth.
Fair value range in USD, drawn from the 2026-11-04 screen. The gold marker is the market price at the same screen. A 37.4% discount to the base estimate.
Where our models see it going: fair-value estimate $4.79, with a range of $4.50 to $5.50, dated to the 2026-11-04 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Why it stands out
A 19%-growth business trading at just 18.2x forward earnings, with a none competitive moat and minimal debt. That is a 37% discount to our $4.79 fair value: the market is pricing it cautiously while the fundamentals argue otherwise.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market; it already moves more than the market on an average day.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
USIO trades on NASDAQ. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The framework has shifted from markup to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 2.3% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it A. Technically it is holding around 71% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $6.
2026-10-25Markup · changed$2.86+0.0%Entry 9
The framework has shifted from accumulation to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B. Technically it is holding around 57% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $6.
2026-10-18Accumulation$2.86+24.7%Entry 8
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 24.7% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $6.
2026-10-11Accumulation · changed$2.29+0.0%Entry 7
The framework has shifted from distribution to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $6.
The framework has shifted from markup to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 16.4% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $6.
2026-09-15Markup · changed$2.74+29.2%Entry 5
The framework has shifted from distribution to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 29.2% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $6.
The framework has shifted from markup to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved up 17.1% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $6.
2026-07-18Markup$1.81+0.0%Entry 3
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $6.
2026-07-03Markup$1.81+0.0%Entry 2
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows modest positive risk-adjusted returns.
2026-07-02Markup$1.81Entry 1
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows modest positive risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.