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Usio, Inc (USIO) Fair Value & Analysis

Technology · US · Market cap $59.6M

Price$2.15
Fair Value$0.8200
Upside-61.9%
Quality95/100
Evidence: Low Range $0.6200 – $1.17

Fair value as of: Jun 26, 2026

Analysis

Usio, Inc (USIO) currently trades at $2.15, while our model-based Fair Value estimate is $0.8200 — implying the stock looks roughly 61.9% overvalued today. We read business quality at 95/100 (high quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

About the company

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 for fund transfers; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services includes represented check and check conversion for electronic payment facilitation. In addition, the company offers integrated electronic payment processing services to merchants and businesses, including credit, and debit card-based processing services and electronic funds transfer through the ACH network. In addition, it offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, and Discover supported by online and physical terminal access. Further, it provides a proprietary platform, enabling businesses to handle both e-checks and card payments; and an interac…

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Frequently asked questions

Is Usio, Inc (USIO) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $0.8200 versus a price of $2.15 — about −62% (overvalued). Model-based estimate, not financial advice.
What is the fair value of USIO?
Our 21-model fair value for Usio, Inc is $0.8200 (as of Jun 26, 2026), built from audited fundamentals. The current price is $2.15.
What is the quality score of USIO?
Usio, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.