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Usio

Nasdaq:USIO
Snowflake Description

Adequate balance sheet and overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
USIO
Nasdaq
$36M
Market Cap
  1. Home
  2. US
  3. Software
Company description

Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The last earnings update was 91 days ago. More info.


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  • Usio has significant price volatility in the past 3 months.
USIO Share Price and Events
7 Day Returns
3.4%
NasdaqCM:USIO
2.2%
US IT
0.5%
US Market
1 Year Returns
28.9%
NasdaqCM:USIO
26.3%
US IT
12.8%
US Market
USIO Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Usio (USIO) 3.4% 9.7% -22.5% 28.9% 13.8% -18.5%
US IT 2.2% 0.7% 2.4% 26.3% 89.8% 111.7%
US Market 0.5% 4.3% 8% 12.8% 38.7% 44.5%
1 Year Return vs Industry and Market
  • USIO outperformed the IT industry which returned 26.3% over the past year.
  • USIO outperformed the Market in United States of America which returned 12.8% over the past year.
Price Volatility
USIO
Industry
5yr Volatility vs Market

Value

 Is Usio undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Usio. This is due to cash flow or dividend data being unavailable. The share price is $2.14.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Usio's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Usio's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqCM:USIO PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in USD $-0.32
NasdaqCM:USIO Share Price ** NasdaqCM (2019-11-13) in USD $2.14
United States of America IT Industry PE Ratio Median Figure of 65 Publicly-Listed IT Companies 30.72x
United States of America Market PE Ratio Median Figure of 2,922 Publicly-Listed Companies 18.24x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Usio.

NasdaqCM:USIO PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqCM:USIO Share Price ÷ EPS (both in USD)

= 2.14 ÷ -0.32

-6.62x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Usio is loss making, we can't compare its value to the US IT industry average.
  • Usio is loss making, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does Usio's expected growth come at a high price?
Raw Data
NasdaqCM:USIO PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -6.62x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts
2.1%per year
United States of America IT Industry PEG Ratio Median Figure of 56 Publicly-Listed IT Companies 2.36x
United States of America Market PEG Ratio Median Figure of 2,023 Publicly-Listed Companies 1.46x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Usio, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Usio's assets?
Raw Data
NasdaqCM:USIO PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in USD $0.57
NasdaqCM:USIO Share Price * NasdaqCM (2019-11-13) in USD $2.14
United States of America IT Industry PB Ratio Median Figure of 118 Publicly-Listed IT Companies 3.82x
United States of America Market PB Ratio Median Figure of 5,070 Publicly-Listed Companies 1.73x
NasdaqCM:USIO PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqCM:USIO Share Price ÷ Book Value per Share (both in USD)

= 2.14 ÷ 0.57

3.73x

* Primary Listing of Usio.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Usio is good value based on assets compared to the US IT industry average.
X
Value checks
We assess Usio's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the IT industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the IT industry average (and greater than 0)? (1 check)
  5. Usio has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Usio expected to perform in the next 1 to 3 years based on estimates from 4 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
2.1%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Usio expected to grow at an attractive rate?
  • Unable to compare Usio's earnings growth to the low risk savings rate as it is expected to be loss making during the next 1-3 years.
Growth vs Market Checks
  • Unable to compare Usio's earnings growth to the United States of America market average as it is expected to be loss making during the next 1-3 years.
  • Usio's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqCM:USIO Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqCM:USIO Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts 2.1%
NasdaqCM:USIO Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 4 Analysts 16.7%
United States of America IT Industry Earnings Growth Rate Market Cap Weighted Average 17.5%
United States of America IT Industry Revenue Growth Rate Market Cap Weighted Average 10.5%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqCM:USIO Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqCM:USIO Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 41 1
2020-12-31 34 -4 4
2019-12-31 29 -5 4
2019-11-13
NasdaqCM:USIO Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-06-30 27 -4 -4
2019-03-31 26 -4 -4
2018-12-31 25 -3 -4
2018-09-30 24 -1 -4
2018-06-30 21 -1 -4
2018-03-31 18 0 -4
2017-12-31 15 -1 -3
2017-09-30 12 -1 -2
2017-06-30 11 -1 -2
2017-03-31 12 0 -1
2016-12-31 12 1 -1
2016-09-30 13 1 -1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Usio is not considered high growth as it is expected to be loss making for the next 1-3 years.
  • Usio's revenue is expected to grow by 16.7% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqCM:USIO Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below

All data from Usio Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:USIO Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31
2020-12-31 -0.32 -0.30 -0.34 3.00
2019-12-31 -0.35 -0.34 -0.36 2.00
2019-11-13
NasdaqCM:USIO Past Financials Data
Date (Data in USD Millions) EPS *
2019-06-30 -0.32
2019-03-31 -0.31
2018-12-31 -0.31
2018-09-30 -0.36
2018-06-30 -0.40
2018-03-31 -0.38
2017-12-31 -0.33
2017-09-30 -0.23
2017-06-30 -0.20
2017-03-31 -0.18
2016-12-31 -0.15
2016-09-30 -0.10

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Usio will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Usio's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Usio has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Usio performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Usio's growth in the last year to its industry (IT).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Usio does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare Usio's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Usio's 1-year growth to the US IT industry average as it is not currently profitable.
Earnings and Revenue History
Usio's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Usio Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:USIO Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 26.64 -4.04 7.97
2019-03-31 25.77 -3.80 7.54
2018-12-31 25.02 -3.78 7.47
2018-09-30 24.22 -4.20 7.47
2018-06-30 21.34 -4.27 7.06
2018-03-31 17.60 -3.77 6.18
2017-12-31 14.57 -3.01 5.35
2017-09-30 11.84 -1.95 4.40
2017-06-30 11.32 -1.63 4.31
2017-03-31 11.66 -1.45 4.38
2016-12-31 12.08 -1.20 4.24
2016-09-30 12.85 -0.79 4.32
2016-06-30 13.33 -0.10 4.10
2016-03-31 13.87 0.28 3.76
2015-12-31 14.38 1.02 3.52
2015-09-30 14.48 3.35 2.98
2015-06-30 14.53 3.92 2.36
2015-03-31 14.41 4.39 2.09
2014-12-31 13.40 3.84 1.89
2014-09-30 11.86 1.39 1.83
2014-06-30 9.23 0.36 1.76
2014-03-31 6.85 -0.39 1.71
2013-12-31 5.18 -0.79 1.70
2013-09-30 5.20 -0.36 1.70
2013-06-30 6.57 0.60 1.74
2013-03-31 7.11 0.97 1.75
2012-12-31 7.35 1.28 1.76

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Usio has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Usio has efficiently used its assets last year compared to the US IT industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Usio improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Usio's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the IT industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Usio has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Usio's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Usio's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Usio is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Usio's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Usio's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Usio has no debt, it does not need to be covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Usio Company Filings, last reported 4 months ago.

NasdaqCM:USIO Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 9.69 0.00 3.28
2019-03-31 10.63 0.00 4.47
2018-12-31 9.63 0.00 2.70
2018-09-30 10.23 0.00 2.72
2018-06-30 10.76 0.00 2.72
2018-03-31 11.49 0.00 3.47
2017-12-31 13.12 0.00 4.80
2017-09-30 11.36 0.00 2.20
2017-06-30 8.52 0.00 3.23
2017-03-31 8.90 0.00 3.62
2016-12-31 9.01 0.00 4.12
2016-09-30 9.41 0.00 4.29
2016-06-30 9.33 0.00 4.38
2016-03-31 9.39 0.00 4.22
2015-12-31 9.12 0.00 4.06
2015-09-30 8.65 0.00 52.17
2015-06-30 8.09 0.00 64.87
2015-03-31 7.80 0.00 65.32
2014-12-31 7.02 0.00 2.80
2014-09-30 2.20 0.00 60.78
2014-06-30 1.44 0.00 60.79
2014-03-31 0.88 0.00 54.61
2013-12-31 0.64 0.00 26.57
2013-09-30 0.52 0.00 9.06
2013-06-30 0.78 0.00 2.35
2013-03-31 0.98 0.00 2.40
2012-12-31 2.14 0.00 3.76
  • Usio has no debt.
  • Usio has not taken on any debt in the past 5 years.
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • Usio has less than a year of cash runway based on current free cash flow.
  • Usio has less than a year of cash runway if free cash flow continues to grow at historical rates of 102% each year.
X
Financial health checks
We assess Usio's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Usio has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Usio's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Usio dividends.
If you bought $2,000 of Usio shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Usio's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Usio's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqCM:USIO Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
United States of America IT Industry Average Dividend Yield Market Cap Weighted Average of 34 Stocks 1.3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1948 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqCM:USIO Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-12-31
2020-12-31
2019-12-31
2019-11-13

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Usio has not reported any payouts.
  • Unable to verify if Usio's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Usio's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Usio has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Usio's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Usio afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Usio has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Usio's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Louis Hoch
COMPENSATION $365,926
AGE 53
TENURE AS CEO 3.3 years
CEO Bio

Mr. Louis A. Hoch is Co-Founder of Payment Data Systems, Inc. and has been its Chief Executive Officer since August 4, 2016 and its President and Chief Operating Officer since July 1998. Mr. Hoch serves as Chairman, Chief Executive Officer and President of FiCentive, Inc. He served as the President of USIO, INC. (formerly known as Payment Data Systems, Inc.) since July 1998 until September 23, 2016. He has 18 years of management experience in large systems development. Before Billserv Inc., his background has been primarily in the telecommunications industry. From April to November 1998, He was the Subject Matter Expert for Call Centers in Telecom, at Andersen Consulting. While employed at U. S. Long Distance, Inc. and its spin-off company, Billing Concepts, Inc., from June 1991 to April 1998, he successfully built large billing systems that were proven flexible enough to sustain exponential growth in record volumes and call centers that integrated the latest in technology and processes. During his tenure at Billing Concepts, He held successive positions; as a Tech Support Representative, Program Analyst, Program Manager, MIS Manager and finally, Director of Information Technology. He served as Secretary of Payment Data Systems, Inc.until September 23, 2015. He has been Vice-Chairman of Payment Data Systems, Inc. since February 22, 2007 and Director since July 1998. He serves as a Director on the advisory board for Lady of the Lake University Business School and is also an executive lecturer in the school's weekend MBA program. He is a Member of the Board of Directors of Billserv Australia and Office e-procure, Inc., which provides branded office supply eCommerce sites for businesses. Mr. Hoch holds a B.B.A. in Computer Information Systems and an M.B.A. in International Business Management, both from Lady of the Lake University. He is certified as a Computer Professional (CCP) by the Institute for Certification of Computing Professionals (ICCP).

CEO Compensation
  • Louis's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Louis's remuneration is about average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Usio management team in years:

2.8
Average Tenure
53
Average Age
  • The tenure for the Usio management team is about average.
Management Team

Michael Long

TITLE
Co-Founder & Chairman
COMPENSATION
$270K
AGE
74

Louis Hoch

TITLE
Co-Founder
COMPENSATION
$366K
AGE
53
TENURE
3.3 yrs

Tom Jewell

TITLE
Senior VP & CFO
COMPENSATION
$201K
AGE
62
TENURE
2.8 yrs

Vaden Landers

TITLE
Executive VP & Chief Revenue Officer
COMPENSATION
$301K
AGE
49
TENURE
2.2 yrs

Ken Keller

TITLE
Chief Technology Officer & Senior VP
COMPENSATION
$109K
AGE
53
TENURE
11.8 yrs

Joe Hassett

TITLE
Investor Relations

Wayne Gonzales

TITLE
Senior Vice President of Risk Management & Compliance

Matt Morris

TITLE
Vice President of Marketing
TENURE
1.8 yrs

Larry Morrison

TITLE
Senior Vice President of Business Development
COMPENSATION
$46K
AGE
59
TENURE
1.8 yrs

Houston Frost

TITLE
Senior Vice President of Prepaid Products
COMPENSATION
$344K
AGE
37
TENURE
4.9 yrs
Board of Directors Tenure

Average tenure and age of the Usio board of directors in years:

12.8
Average Tenure
53
Average Age
  • The average tenure for the Usio board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Michael Long

TITLE
Co-Founder & Chairman
COMPENSATION
$270K
AGE
74
TENURE
21.3 yrs

Louis Hoch

TITLE
Co-Founder
COMPENSATION
$366K
AGE
53
TENURE
12.8 yrs

Blaise Bender

TITLE
Independent Director
AGE
62
TENURE
0.6 yrs

Jason Moore

TITLE
Member of Advisory Board
TENURE
13.4 yrs

Tom DeBrooke

TITLE
Member of Advisory Board
TENURE
13.4 yrs

Miguel Chapa

TITLE
Independent Director
COMPENSATION
$4K
AGE
48
TENURE
4.6 yrs

Brad Rollins

TITLE
Independent Director
COMPENSATION
$4K
AGE
47
TENURE
2.5 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
27. Feb 19 Sell Steve Huffman Individual 25. Feb 19 25. Feb 19 -17,186 $2.75 $-47,193
X
Management checks
We assess Usio's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Usio has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

The Usio (NASDAQ:USIO) Share Price Is Up 35% And Shareholders Are Holding On

However, it's unlikely many shareholders are elated with the share price gain of 35% over that time, given the rising market. … See our latest analysis for Usio Given that Usio didn't make a profit in the last twelve months, we'll focus on revenue growth to form a quick view of its business development. … The share price rise of 11% per year throughout that time is nice to see, and given the revenue growth, that gain seems somewhat justified.

Simply Wall St -

Do Insiders Own Shares In Usio, Inc. (NASDAQ:USIO)?

Our analysis of the ownership of the company, below, shows that institutional investors have not yet purchased much of the company. … View our latest analysis for Usio NasdaqCM:USIO Ownership Summary, August 7th 2019 What Does The Institutional Ownership Tell Us About Usio? … Private Company Ownership It seems that Private Companies own 8.2%, of the USIO stock.

Simply Wall St -

Usio, Inc. (NASDAQ:USIO): What Does Its Beta Value Mean For Your Portfolio?

Beta is a widely used metric to measure a stock's exposure to market risk (volatility). … Before we go on, it's worth noting that Warren Buffett pointed out in his 2014 letter to shareholders that 'volatility is far from synonymous with risk.' Having said that, beta can still be rather useful. … Given that it has a beta of 1.53, we can surmise that the Usio share price has been fairly sensitive to market volatility (over the last 5 years).

Simply Wall St -

Company Info

Description

Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing; and credit, prepaid card, and debit card-based processing services. Its ACH processing services include Represented Check, a consumer non-sufficient funds check that is represented for payment electronically rather than through the paper check collection system; and Accounts Receivable Check Conversion, a consumer paper check payment, which is converted into an e-check. The company also offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, Discover, and JCB networks, including online terminal services accessed through a Website or retail services accessed through a physical terminal. In addition, it provides a proprietary Web-based customer service application that allows companies to process one-time and recurring payments through e-checks or credit cards; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. The company markets and sells ACH products and services primarily through resellers, as well as markets and sells prepaid card program directly to corporations and to consumers through the Internet. Usio, Inc. has a strategic partnership agreement with Pineapple Payments. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was founded in 1998 and is headquartered in San Antonio, Texas.

Details
Name: Usio, Inc.
USIO
Exchange: NasdaqCM
Founded: 1998
$36,059,000
16,850,000
Website: http://www.usio.com
Address: Usio, Inc.
3611 Paesanos Parkway,
Suite 300,
San Antonio,
Texas, 78231,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqCM USIO Common Stock Nasdaq Capital Market US USD 24. Nov 1998
Number of employees
Current staff
Staff numbers
43
Usio employees.
Industry
Data Processing and Outsourced Services
Software
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/11/13 23:33
End of day share price update: 2019/11/13 00:00
Last estimates confirmation: 2019/11/05
Last earnings filing: 2019/08/14
Last earnings reported: 2019/06/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.