What Is Usio, Inc. (USIO) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Usio, Inc.'s intrinsic value is estimated at $1.48. Trading at its current price of $2.47, the valuation engine raises significant caution: 12 of 13 models flag downside risk, projecting an average implied return of -40.0%. Model dispersion is worth noting: Regime Cross targets $3.80 (+53.9%), versus Dynamic NAV at $0.32 (-86.9%). This +140.8% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About USIO?
13 of 13 models are currently active for USIO. Of these, 1 model suggests upside while 12 models suggest overvaluation. The Bayesian DCF estimates USIO's intrinsic value at $1.11, implying -55.0% downside from the current price. See which stocks rank higher →
How Does USIO Rank in Functions Related To Depository Banking, NEC?
Among 3 Functions Related To Depository Banking, NEC stocks, USIO ranks #2 by Quality of Company score. CirclFi's QOC score of 8.0/10 evaluates 32 fundamental signals. A score of 8.0 indicates above-average quality.
Usio, Inc.'s positioning within the Functions Related To Depository Banking, NEC segment means that deposit growth plays an outsized role in fundamental analysis. The sector's unique characteristics — including loan portfolio growth — shape both the opportunity set and risk profile.
Is USIO a Value Trap?
CirclFi's Value Trap algorithm assigns USIO a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
13 of 13 models are active for Usio, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, Usio, Inc. earns a quality score of 8.0/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.
The gap between the most bullish and bearish model spans +140.8% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every USIO valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across USIO's 13 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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