Stock Ratings / Financials / USIO / forecast

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Usio Inc. (USIO) 12-Month Stock Forecast & Price Target Cone

$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 →

INTERACTIVE 12-MONTH POSITION SIMULATOR

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

Shares at $3.25: 3076.9 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $2.43

$7,477

$-2,523 (-25.2%)

12M Consensus BaseTarget $3.12

$9,600

$-400 (-4.0%)

12M Bull Case BreakoutTarget $3.68

$11,323

+$1,323 (+13.2%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (32 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 6

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$3	74%	A
Goldman SachsSector Coverage Lead	UNDERPERFORM	$3	69%	B
JP MorganUS Large-Cap Research	SELL	$3	58%	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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

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

What is USIO's 12-month stock price target?

Usio Inc. (USIO) carries a 12-month consensus base price target of $3.12 (-4% from $3.25), with a bull-case target of $3.68 and a bear-case floor of $2.43.

Is USIO stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates USIO D (Sell — SELL) with an RQD Confidence score of 49/100.

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