Usio, Inc. is classed by the SEC under Functions Related To Depository Banking, NEC (industry code 6099), based in San Antonio, TX. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $85 million and a loss of $3 million (its filed statements).
Lending businessFunctions Related To Depository Banking, NECSan Antonio, TXfilings since 19999 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6099, Functions Related To Depository Banking, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 3.9 out of ten, 9 of 9 metrics filed: past 5.7 out of ten, present 2.9 out of ten, future 2.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 5.0 out of ten. 4 warning events since 2017; the latest 2025-06-05. 50th percentile among 3 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 5.8 out of ten. +20.3% a year over 7 filed years; profitable in 1 of 7. 58th percentile among 3 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 6.7 out of ten. Share count grew 9.7% a year. 37% of cash flow returned. Insiders: 0 sales, 0 purchases. 67th percentile among 3 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 2.7 out of ten. ROE -14%: lost 14¢ per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar. 27th percentile among 3 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 1.7 out of ten. bottom 17% of 3 in its family; net margin -2.9%. 17th percentile among 3 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 5.0 out of ten. top 50% of 3 in its family for leadership; chief executive since 2016. 50th percentile among 3 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 4.2 out of ten. bottom 42% of 3 in its family for room to expand. 42nd percentile among 3 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 1.7 out of ten. bottom 17% of 3 in its family for growth drivers. 17th percentile among 3 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 1.7 out of ten. bottom 17% of 3 in its family for expectations against reality. 17th percentile among 3 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-18 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-12 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-12 (on EDGAR). Newest filing: Form 4, 2026-09-03. Filings on record since 1999. Read from EDGAR 2026-10-12.
Where the revenue comes from
Lines of business in fiscal 2025: Merchant Services 76%, Output Solutions 24%. As tagged in its annual report (Form 10-K, filed 2026-03-18).
Who runs it
Hoch, Louis A (Chairman, President and CEO); Frost, Houston Korth (SVP, Chief Product Officer); White, Michael Joseph (SVP, Chief Accounting Officer); Uffner, Jerry (Head of Card Issuing); Carter, Greg M (EVP, Payment Acceptance); Miller, Elizabeth Michelle (director); Beyer, Del La Garza Ernesto R (director); Rollins, Brad (director); Bender, Blaise (director). 9 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
Every stock is a company. We grade the company behind the stock. CrossAssetData is a company research product: no investment advice, no price targets, no price predictions; every claim carries its source, and unseen means unseen. The full file draws when the page's script runs: the essentials, the balance sheet, the estimators, the trend, and every filing of the last ten years.