MARKET WIRESeekingAlpha • 11h ago
Usio, Inc. (USIO) Presents at LD Micro 20th Annual Main Event Conference - Slideshow2026-11-01. The following slide deck was published by Usio, Inc.
Why USIO Stock surged +2.52% Today — RQD Quant Desk Flash
$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.
ROARABLE D • SELL / AVOID
Cap $92.6M
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🤖 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 2026-11-01, 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.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does USIO compare to GSIW and WTF in the Financials sector?
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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).
✓ 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:
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
41
Q2 (-2Q)Grade D$2.82+11.3% Next Q
44
Q3 (-1Q)Grade D$3.14+3.5% Next Q
46
CurrentGrade D$3.25-5.4% Hist 90D α
49
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why USIO Stock surged +2.52% Today — RQD Quant Desk Flash
Usio Inc. (USIO) surged +2.52% to $3.25, trading at 98% of its 52-week range ($1.03 – $3.29). Stretched risk/reward at current multiples (-16% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 98% of its 52-week range ($1.03 – $3.29) with RSI-14 at 51.4 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±12.5% around $3.25 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D (Sell) backed by 52% gross margin and $1.1M annual free cash flow.
Live USIO Headlines & Catalysts
MARKET WIREBenzinga • 2d ago
Apollo Commercial Real Estate Finance shares are trading higher after the company announced it entered into a definitive agreement to sell the company's commercial real estate loan portfolio to Athene Holding.CATALYSTYahoo • 3d ago
Usio Conference Highlights ACH Growth, Banking Platform and Utility Payments OpportunityUsio (NASDAQ:USIO) outlined growth across its payment processing, ACH, card issuing and print-and-mail operations, while highlighting new opportunities in business banking, education disbursements and utility payments. C
CATALYSTYahoo • 10d ago
Usio Sees ACH Records, Education Payments and Ion Platform Fueling Profit GrowthUsio (NASDAQ:USIO) executives outlined growth across its payment-processing businesses, highlighted new opportunities in education and government payments, and pointed to operating leverage and its Usio Ion platform as p
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: +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
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 0001088034In 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 ENABLEDIs 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 × FREDWhy is USIO stock moving today?
Why USIO Stock surged +2.52% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-16% return on capital) under elevated 10-year interest-rate pressure.