USIO
Usio, Inc. Common Stock
FUNCTIONS RELATED TO DEPOSITORY BANKING, NEC
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Usio (USIO) Stock: Buy, Sell, or Hold?
$2.04
-0.01 (-0.73%)
▼
5d:
-31.25%
30d:
-28.72%
90d:
-16.94%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (57%)
Quality Score
42/100
Position
OVERSOLD
30-Day Fair Range
$2.72 – $3.12
Position: OVERSOLD
Forward P/E & Valuation
7.0x
CHEAP
vs 52.1x historical avg
Wall Street Target
$5.92
+190.7% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$1.97 / $3.15
Trend: Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
⏸️ WAIT FOR STABILIZATION: USIO is down 31.2% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$14.12
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$8.77
76.8% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 25.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: USIO is currently trading at $2.04, which is considered oversold relative to its 30-day fair value range of $2.72 to $3.12. From a valuation perspective, the stock is trading at a discount (Forward PE: 7.0) compared to its historical average (52.1). Remarkably, the market is currently pricing in an annual earnings decline of 48.7% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, USIO is in a uptrend. Immediate support is located at $1.97, while resistance sits at $3.15.
Market Sentiment: USIO scores 25/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $5.92 (+190.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, USIO is in a uptrend. Immediate support is located at $1.97, while resistance sits at $3.15.
Market Sentiment: USIO scores 25/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $5.92 (+190.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$2.72 -
$3.12
Company Quality Score
42/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
Trading Range & Key Levels
30-Day Trading Range
$2.72 -
$3.12
Current vs Trading Range
OVERSOLD
Support Level
$1.97
Resistance Level
$3.15
Current Trend
Uptrend
Technical data as of
Nov 13, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 190.7% below Wall St target ($5.92)
- WARNING: Composite score 42/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
7.02
Wall Street Target
$5.92
(+190.7%)
Revenue Growth (YoY)
12.2%
Earnings Growth (YoY)
-63.3%
Profit Margin
-0.9%
Valuation Discount vs History
-48.7% cheaper
PE vs Historical
7.0 vs 52.1
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-48.7%
(market-implied from PE analysis)
1-Year Target
$1.83
(-10%)
2-Year Target
$1.65
(-19%)
3-Year Target
$1.48
(-27%)
3-Yr Target (if PE normalizes)
(PE: 7→52)
$11.01
(+441%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 81.2%)
$19.44
(+855%)
Base:
(SPY PE: 7.0, Growth: 81.2%)
$6.87
(+238%)
Bear:
(PE: 6.0, Growth: 81.2%)
$5.84
(+187%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.0 to 52.1
Stabilization Target:
$15.11
(+642.5%)
PE Expansion Potential:
+642.5%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (USIO)
Bullish
4 Retail Mentions
StockTwits Volume
4 msgs
24h retail stream
Last Tracked
Nov 11, 2026
Daily AI digest
AI Retail Discussion Summary:
Usio reported a third quarter of positive net income, with revenue growth and cost control contributing to expanded profitability. The company reiterated its revenue growth forecast for the year and expects record adjusted EBITDA.
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
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Last updated: November 13, 2026 6:03 PM ET
Data refreshes hourly during market hours. Next update: 7:03 PM
Data refreshes hourly during market hours. Next update: 7:03 PM
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| Ticker | Score | Recommendation | Change % |
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Technical Signals Check
Is USIO showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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