Usio, Inc.: valuation

USIONASDAQFinancial services · Functions Related To Depository Banking, NECBank

Price

$2.04

November 13, 2026Market cap $56M

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What Ploutos Investor adds for Usio

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The full history: 16 fiscal years, from 2010
The estimated fair value, with its range and its certainty
The full analysis, 18 a month
More questions to the chat on its filings
Excel with every year
An email when it reports, changes its dividend or an officer buys

Notes on these figures

The share price has fallen 30% since Nov 10, 2026, when the 10-Q these figures come from was filed ($2.91 then, $2.04 on Nov 13, 2026). The figures date from before that move.10-Q

Valuation today

What the market pays for the bank's earnings and book value at $2.04 (November 13, 2026), beside the median of its past fiscal years.

Today's P/B (2.9) is 37% above the median of the chart's 3 years (2.1).

Earnings yield: –
Market cap: $56M

2025
P/E–
2024
P/E12.2
2023
P/E–

Year	Price	P/E	P/B	P/S
2025	$1.36	–	2.1	0.4
2024	$1.46	12.2	2.0	0.5
2023	$1.72	–	3.0	0.5

Each multiple at the closing price of the fiscal year's last trading day and the same year's figures. A year with a loss or negative free cash flow has no P/E or P/FCF.

Valuation against its own past

USIO's P/E, P/FCF and P/B at each year-end price, from 2010 to 2022, 13 more fiscal years

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DCF calculator

What is Usio worth on your own assumptions?

The calculator opens with the bank's figures already filled in from its filings. A bank's cash flow does not describe it (deposits are its raw material, not its financing), so it starts from book value and earnings: you set how fast they grow and the return you ask for, and see the value those assumptions give.

Net income, 12 months: -$875.7K
Shares: 27.75M
EPS, 5-year average a year: –
Book value, 5-year average a year: -0.7%
Revenue, 5-year average a year: +21.5%
Price: $2.04

Value USIO

The full analysis

What do Usio's filings show?

The multiples say what the market pays for Usio. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

A fair value range built from the filings
Earnings quality, debt and red flags
Insider and institutional moves
The case for and the case against

Questions about USIO's valuation

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How do I work out what USIO is worth?

With the DCF calculator: it opens with Usio's figures from its filings, you enter your assumptions for growth and the return you ask for, and see the value they give. The company pages give no price target of their own. A full analysis gives a fair-value range, which is an estimate, not a target.

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. The estimated fair value, where shown, is our estimate, labelled as one: not a fact, not a score and not a recommendation to buy or sell.