Stock Ratings / Financials / USIO / earnings

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Usio Inc. (USIO) Next Earnings Date & Expected ±12.5% Move

$3.25 +2.52% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $3.26

Usio Inc. (USIO) carries a Roarable Rating of D (Sell) with 49/100 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.

📊 Historical Track Record Warning: Scores below 50 (49/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $92.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $3.26 (+0.26%)🧬 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 (49/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.4% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

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+

Each axis scored 0–20

12M PRICE TARGET CONE-4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for USIO)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (49/100 Composite)

🔍 WHY USIO SCORES 49/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+13/20 pts (27% of score)

FRED Regime × Technicals: 98% of 52W Range • RSI-14 at 51.4 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (24% of score)

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

▼ #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)

Grade D$2.78+1.4% Next Q

Q2 (-2Q)

Grade D$2.82+11.3% Next Q

Q3 (-1Q)

Grade D$3.14+3.5% Next Q

Current

Grade D$3.25-5.4% Hist 90D α

Trajectory: D (41) → D (49)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 49/100 (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 ($2.73) and Max Pain ($3.41) forces dealer call-delta covering toward $3.68.

🚀 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 49%NO 51%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±12.5% Swing Band

±$0.41 Expected Swing

MODEL EARNINGS SETUP GAUGE

USIO Quantitative Pre-Earnings Setup: 49/100

Trailing EPS: $4.25 • YoY Revenue Growth: 3%

Model Bullish Setup (49/100)Model Risk Weight (51/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$85.4M	-$2.5M	$1.1M	52%
FY 2024	2024-12-31	$82.9M	$3.3M	$2.7M	52%
FY 2023	2023-12-31	$84.1M	-$475.1K	$3.5M	52%

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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Join Founding VIP Waitlist (No Card Required) →$100K Arena

USIO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +180.17%⚡ TESTING RESISTANCE

2026-10-30O $3.18H $3.25L $2.83C $3.25VOL 334.5K

RES: $3.33SUP: $2.45SMA50: $2.73SMA200: $1.89

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #879 of 1096 ⚔️ GSIW vs USIO Full Matrix →

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

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

Across 1096 tracked Financials securities in the Roarable RQD universe, Usio Inc. (USIO) ranks #879 by composite RQD confidence (49/100, grade D) and #966 by equity capitalization ($92.6M). Within this direct 5-issuer industry benchmark cohort, USIO leads on earnings valuation at N/A trailing P/E, while USIO leads on capital efficiency and profitability with -16.1% ROIC and — gross margin. EVF currently holds the highest overall quantitative score in the immediate peer group at 60/100 (C-) compared with USIO at 49/100 (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	49/100	—	—	-16.1%	+2.52%	$92.6M	Benchmark Subject
GSIW Garden Stage Limited (Class A)	E	30/100	—	—	—	-6.37%	$97.7M	/gsiw-vs-usio →
WTF Waton Financial Limited	E	32/100	—	—	—	-0.97%	$98.4M	/wtf-vs-usio →
EVF Eaton Vance Senior Income Trust	C-	60/100	—	—	—	+0.83%	$85.1M	/evf-vs-usio →
AIB AIB Data Centers Inc.	D	47/100	—	—	—	-5.40%	$79.8M	/aib-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 2026-11-01, Usio Inc. (NASDAQ: USIO) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 49/100 at a spot price of $3.25 (+2.52% 1D, market cap $92.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, USIO ranks #879 in composite RQD confidence.

How does USIO compare to GSIW and WTF in the Financials sector?

Within the Financials sector (Investment Bankers/Brokers/Service), USIO carries a Roarable D (49/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -16.1%. By comparison, GSIW (Garden Stage Limited (Class A)) holds a E grade (30/100 RQD, P/E N/A, ROIC —, cap $97.7M) and WTF (Waton Financial Limited) posts a E grade (32/100 RQD, P/E N/A, ROIC —, cap $98.4M). Among the 5-stock peer group, USIO leads on earnings multiple (N/A) while USIO leads on capital efficiency (-16.1% 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 $3.25 (+2.52% on volume of 118,910 shares), positioning the stock +19.05% above its 50-day simple moving average ($2.73) and +71.96% above its 200-day simple moving average ($1.89). Across its 52-week range of $1.03 to $3.29, USIO sits at the 98.2% percentile with a 14-day RSI of 51.4 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($2.84 to $3.66).

USIO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is USIO's next earnings date?

Based on SEC filing cadence, Usio Inc. (USIO)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is USIO stock expected to move on earnings?

Volatility modeling currently projects a ±12.5% event move for USIO, spanning a range between $2.84 and $3.66.

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