Usio, Inc. (USIO)
San Antonio, TX, US
Usio, Inc., established in 1998 and headquartered in San Antonio, Texas, is a company specializing in delivering comprehensive electronic payment solutions to a diverse client base of merchants and enterprises throughout the United States. The company's offerings encompass a broad spectrum of automated clearing house (ACH) processing options, in addition to services for credit, debit, and prepaid card transactions. Key ACH services include the electronic re-presentation of non-sufficient funds (NSF) consumer checks, known as "Represented Check," and the conversion of consumer paper checks into electronic payments for accounts receivable, termed "Accounts Receivable Check Conversion." Usio further provides merchant account services, facilitating the processing of card-based payments across major networks such as VISA, MasterCard, American Express, Discover, and JCB. These services are accessible through online terminals via a website or through physical terminals for retail operations. The firm has also developed a proprietary web-based platform that enables businesses to manage both one-time and recurring payments using e-checks or credit cards. Complementing this, an interactive voice response (IVR) telephone system is available, empowering companies to accept direct customer payments over the phone, also utilizing e-checks or credit cards. Usio is actively involved in the issuance of prepaid and incentive cards and operates a dedicated platform for core prepaid processing. Beyond its primary payment solutions, the company extends its services to include electronic bill presentment, document composition and decomposition, and comprehensive printing and mailing services. These additional offerings cater to various industry verticals, including utility providers and financial institutions. Its ACH products and services are primarily distributed through a network of resellers, while its prepaid card programs are marketed directly to governmental bodies, corporations, and consumers online. The company adopted its current name, Usio, Inc., in June 2019, having previously operated as Payment Data Systems, Inc.
Based on only 1 article — low confidence
- Fast-paced Momentum Stock Usio (USIO) Is Still Trading at a Bargain Zacks Investment Research
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +2.40% | -4.48% | +12.28% | -2.29% | -10.49% | -5.88% | -18.47% | -37.25% | -75.34% | -24.71% | -98.79% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 3 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 1 | 0 |
| Period | # Analysts | Avg Target |
|---|---|---|
| Last Month | — | — |
| Last Quarter | — | — |
| Last Year | — | — |
| All Time | 2 |
5.50
+132.1%
|
-
Revenue growth Information Technology Services: +10.1%+3.0% Q1'26: +15.7% (vs Q1'25)
-
EPS growth Information Technology Services: +16.7%-177.8% Q1'26: +144.0% (vs Q1'25)
-
FCF margin FCF growth · Information Technology Services: +32.8%-1.2% Q1'26: +2.2% (vs Q1'25)
-
EBIT margin Information Technology Services: +9.0%-2.6% Q1'26: +0.0% (vs Q1'25)
-
ROIC Information Technology Services: +9.5%-15.6% Q1'26: +0.0% (vs Q1'25)
-
Share dilution Information Technology Services: +0.0%+0.3% Q1'26: +4.3% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Information Technology Services: -0.83×-13.04× Q1'26: 2.26× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2001 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 3 EPS Ana. |
Dec 2027 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.97M
est: 3.70M (-19.7%)
|
14.57M
est: 14.68M (-0.7%)
|
25.02M
est: 25.36M (-1.3%)
|
28.20M
est: 27.39M (+3.0%)
|
32.25M
est: 31.46M (+2.5%)
|
61.94M
est: 60.31M (+2.7%)
|
69.43M
est: 69.55M (-0.2%)
|
82.59M
est: 80.69M (+2.4%)
|
82.93M
est: 83.05M (-0.1%)
|
85.39M
est: 86.21M (-0.9%)
|
93.98M
93.81M – 94.14M
+9.0% YoY
|
101.91M
100.21M – 103.63M
+8.4% YoY
|
| EBITDA |
-3.07M
est: -10.71M (+71.3%)
|
-1.58M
est: -15.9K (-9,804.5%)
|
-1.90M
est: -27.5K (-6,794.7%)
|
-3.04M
est: -29.7K (-10,122.5%)
|
-2.24M
est: -34.2K (-6,452.3%)
|
2.50M
est: -65.5K (+3,911.3%)
|
-2.46M
est: 501.5K (-591.4%)
|
1.90M
est: 976.1K (+95.1%)
|
3.00M
est: 1.00M (+198.1%)
|
-298.4K
est: 1.04M (-128.6%)
|
1.14M
1.13M – 1.14M
+9.0% YoY
|
1.23M
1.21M – 1.25M
+8.4% YoY
|
| EBIT |
-3.27M
est: -13.06M (+74.9%)
|
-2.84M
est: -549.2K (-416.5%)
|
-3.77M
est: -948.9K (-297.8%)
|
-5.06M
est: -1.02M (-394.1%)
|
-3.76M
est: -1.18M (-219.2%)
|
-147.5K
est: -2.26M (+93.5%)
|
-5.20M
est: -2.69M (-93.4%)
|
-177.4K
est: -727.3K (+75.6%)
|
732.1K
est: -748.6K (+197.8%)
|
-2.24M
est: -777.1K (-188.8%)
|
-847.1K
-848.5K – -845.6K
-9.0% YoY
|
-918.6K
-934.1K – -903.3K
-8.4% YoY
|
| Net Income |
-10.41M
est: -12.60M (+17.4%)
|
-3.01M
est: -9.67M (+68.9%)
|
-3.78M
est: -8.23M (+54.1%)
|
-5.12M
est: -9.80M (+47.8%)
|
-2.91M
est: -7.14M (+59.3%)
|
-321.6K
est: -716.1K (+55.1%)
|
-5.48M
est: -1.70M (-222.4%)
|
-475.1K
est: -1.17M (+59.2%)
|
3.31M
est: 2.37M (+39.7%)
|
-2.51M
est: -2.51M (+0.0%)
|
-1.05M
-1.19M – -908.8K
+58.2% YoY
|
-667.1K
-795.7K – -538.5K
+36.5% YoY
|
| SGA |
6.42M
est: 603.7K (+963.9%)
|
5.35M
est: 2.40M (+123.0%)
|
7.47M
est: 4.14M (+80.3%)
|
8.99M
est: 4.47M (+101.0%)
|
9.61M
est: 5.14M (+87.1%)
|
1.49M
est: 9.85M (-84.9%)
|
17.07M
est: 21.04M (-18.8%)
|
18.44M
est: 12.17M (+51.6%)
|
2.09M
est: 12.52M (-83.3%)
|
20.11M
est: 13.00M (+54.7%)
|
14.17M
14.14M – 14.19M
+9.0% YoY
|
15.37M
15.11M – 15.63M
+8.4% YoY
|
| EPS |
-8.66
est: -15.09 (+42.6%)
|
-0.33
est: -0.36 (+8.3%)
|
-0.31
est: -0.31 (-1.1%)
|
-0.39
est: -0.37 (-6.8%)
|
-0.19
est: -0.27 (+28.6%)
|
-0.02
est: -0.03 (+39.6%)
|
-0.27
est: -0.29 (+6.9%)
|
-0.02
est: -0.04 (+45.4%)
|
0.12
est: 0.09 (+29.7%)
|
-0.09
est: -0.04 (-159.2%)
|
-0.04
-0.04 – -0.03
-8.4% YoY
|
-0.02
-0.03 – -0.02
+36.5% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-11 | B- | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-08 | B- | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-07 | B- | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-06 | B- | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-05 | B- | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-04 | B- | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-01 | B- | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-30 | B- | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-29 | B- | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-28 | B- | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-27 | B- | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-24 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-23 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-22 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-21 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-20 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-17 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-16 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
Owner Earnings
Ownership Overview
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Louis A. Hoch | 21.11M | 23.50% | 21.11M | — | 21.11M | — | IN | United States | 2008-02-11 | ↗ |
| 2 | ROBERT EVANS | 10.50M | 15.00% | 10.50M | — | 10.50M | — | IN | UNITED STATES | 2007-03-16 | ↗ |
| 3 | Collin McBirney | 3.33M | 13.00% | — | 3.33M | — | 3.33M | HC, IN | California | 2022-02-14 | ↗ |
| 4 | Topline Capital Management, LLC | 3.33M | 13.00% | 3.33M | — | 3.33M | — | IA | California | 2022-02-14 | ↗ |
| 5 | Topline Capital Partners, LP | 3.33M | 13.00% | 3.33M | — | 3.33M | — | PN | California | 2022-02-14 | ↗ |
| 6 | CheckFree Corporation | 3.17M | 11.00% | — | 3.17M | — | 3.17M | CO | Delaware | 2003-02-07 | ↗ |
| 7 | CheckFree Investment Corporation | 3.17M | 11.00% | — | 3.17M | — | 3.17M | CO | Nevada | 2003-02-07 | ↗ |
| 8 | 10 | 3.10M | 12.50% | — | 3.10M | — | 3.10M | HC, IN | California | 2020-12-08 | ↗ |
| 9 | 12.5% | 3.10M | 12.50% | 3.10M | — | 3.10M | — | PN | California | 2020-12-08 | ↗ |
| 10 | WHITTIER HOLDINGS, INC. | 2.84M | 10.34% | — | 2.84M | — | — | HC | NEVADA | 2024-10-07 | ↗ |
| 11 | WHITTIER TRUST COMPANY | 2.84M | 10.23% | — | 2.84M | — | — | BK | CALIFORNIA | 2024-10-07 | ↗ |
| 12 | WHITTIER TRUST COMPANY OF NEVADA, INC. | 2.84M | 10.23% | — | 2.84M | — | — | BK | NEVADA | 2024-10-07 | ↗ |
| 13 | 1,828,412 | 1.83M | 8.90% | 1.83M | — | 1.83M | — | IA | USA | 2020-07-08 | ↗ |
| 14 | 8.9% | 1.83M | 8.90% | 1.83M | — | 1.83M | — | PN | USA | 2020-07-08 | ↗ |
| 15 | CheckFree Holdings Corporation | 1.76M | 11.00% | — | 1.76M | — | 1.76M | CO | Delaware | 2000-06-12 | ↗ |
| 16 | Katherine Ayers | 1.73M | 6.59% | — | — | — | — | IN | — | 2023-11-29 | ↗ |
| 17 | Michael Procacci, Jr. | 1.17M | 5.60% | 1.17M | — | 1.17M | — | IN | New Jersey, USA | 2001-12-07 | ↗ |
Institutional Activity (13F)
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | VANGUARD GROUP INC | 1.01M +14.8K (+1.5%) | 1.37M -39.6K (-2.8%) | 3.76% -0.006 pp | 0.00% +0.000 pp | USD4.62 -70.6% | 26 qtrs — |
| 2 | PERKINS CAPITAL MANAGEMENT INC | 705.9K -152.3K (-17.7%) | 960.1K -258.6K (-21.2%) | 2.63% -0.619 pp | 0.76% -0.312 pp | USD1.72 -20.9% | 13 qtrs — |
| 3 | SENTINUS, LLC | 413.7K +413.7K (+100.0%) | 562.6K +562.6K (+100.0%) | 1.54% +1.538 pp | 0.05% +0.054 pp | USD1.36 +0.0% | 1 qtrs NEW |
| 4 | PERRITT CAPITAL MANAGEMENT INC | 413.7K +— (+0.0%) | 562.6K -24.8K (-4.2%) | 1.54% -0.025 pp | 0.94% +0.662 pp | USD1.95 -30.3% | 16 qtrs — |
| 5 | RENAISSANCE TECHNOLOGIES LLC | 406.1K -35.1K (-8.0%) | 552.4K -74.2K (-11.8%) | 1.51% -0.158 pp | 0.00% +0.000 pp | USD2.00 -32.0% | 26 qtrs — |
| 6 | CITADEL ADVISORS LLC | 211.8K +133.3K (+169.8%) | 288.0K +176.6K (+158.4%) | 0.79% +0.491 pp | 0.00% +0.000 pp | USD1.40 -2.9% | 14 qtrs — |
| 7 | GEODE CAPITAL MANAGEMENT, LLC | 183.8K +3.3K (+1.8%) | 250.0K -6.4K (-2.5%) | 0.68% +0.001 pp | 0.00% +0.000 pp | USD4.04 -66.3% | 21 qtrs — |
| 8 | BRIDGEWAY CAPITAL MANAGEMENT, LLC | 101.0K +— (+0.0%) | 137.4K -6.1K (-4.2%) | 0.38% -0.006 pp | 0.00% 0.000 pp | USD2.96 -54.1% | 17 qtrs — |
| 9 | BLACKROCK, INC. | 97.0K +2.3K (+2.4%) | 132.0K -2.6K (-1.9%) | 0.36% +0.003 pp | 0.00% +0.000 pp | USD1.37 -0.7% | 6 qtrs — |
| 10 | SUSQUEHANNA INTERNATIONAL GROUP, LLP | 89.1K +89.1K (+100.0%) | 121.2K +121.2K (+100.0%) | 0.33% +0.332 pp | 0.00% +0.000 pp | USD1.36 +0.0% | 1 qtrs NEW |
| 11 | STATE STREET CORP | 76.8K +— (+0.0%) | 104.4K -4.6K (-4.2%) | 0.29% -0.005 pp | 0.00% +0.000 pp | USD4.64 -70.7% | 19 qtrs — |
| 12 | GSA CAPITAL PARTNERS LLP | 57.9K -32.4K (-35.9%) | 79.0K -49.0K (-38.3%) | 0.22% -0.126 pp | 0.01% -0.004 pp | USD1.47 -7.5% | 4 qtrs — |
| 13 | MORGAN STANLEY | 56.1K -3.6K (-6.0%) | 76.3K -8.5K (-10.0%) | 0.21% -0.017 pp | 0.00% +0.000 pp | USD2.98 -54.4% | 23 qtrs — |
| 14 | GOLDMAN SACHS GROUP INC | 47.9K -1.7K (-3.3%) | 65.1K -5.2K (-7.4%) | 0.18% -0.009 pp | 0.00% +0.000 pp | USD1.47 -7.5% | 5 qtrs — |
| 15 | DIMENSIONAL FUND ADVISORS LP | 46.4K +— (+0.0%) | 63.1K -2.8K (-4.2%) | 0.17% -0.003 pp | 0.00% +0.000 pp | USD5.25 -74.1% | 20 qtrs — |
| 16 | ALLWORTH FINANCIAL LP | 41.2K +— (+0.0%) | 56.1K -2.5K (-4.2%) | 0.15% -0.003 pp | 0.00% +0.000 pp | USD3.58 -62.0% | 16 qtrs — |
| 17 | ADVISOR GROUP HOLDINGS, INC. | 40.9K +1.0K (+2.5%) | 55.6K -1.4K (-2.5%) | 0.15% +0.001 pp | 0.00% +0.000 pp | USD1.48 -8.1% | 18 qtrs — |
| 18 | O'SHAUGHNESSY ASSET MANAGEMENT, LLC | 36.4K +4.7K (+14.9%) | 49.5K +4.5K (+10.0%) | 0.14% +0.016 pp | 0.00% +0.000 pp | USD1.45 -6.2% | 4 qtrs — |
| 19 | NORTHERN TRUST CORP | 33.4K +— (+0.0%) | 45.4K -2.0K (-4.2%) | 0.12% -0.002 pp | 0.00% +0.000 pp | USD4.33 -68.6% | 22 qtrs — |
| 20 | RITHOLTZ WEALTH MANAGEMENT | 27.3K +5.1K (+22.8%) | 37.2K +5.6K (+17.6%) | 0.10% +0.018 pp | 0.00% +0.000 pp | USD1.46 -6.8% | 4 qtrs — |
| 21 | XTX TOPCO LTD | 24.4K +766.0 (+3.2%) | 33.2K -377.0 (-1.1%) | 0.09% +0.001 pp | 0.00% -0.001 pp | USD1.46 -6.8% | 5 qtrs — |
| 22 | INVESTORS ASSET MANAGEMENT OF GEORGIA INC /GA/ /ADV | 20.0K +— (+0.0%) | 27.2K -1.2K (-4.2%) | 0.07% -0.001 pp | 0.01% -0.001 pp | USD1.65 -17.6% | 8 qtrs — |
| 23 | JANE STREET GROUP, LLC | 17.1K -9.9K (-36.5%) | 23.3K -15.0K (-39.2%) | 0.06% -0.038 pp | 0.00% +0.000 pp | USD1.42 -4.2% | 2 qtrs — |
| 24 | TOWER RESEARCH CAPITAL LLC (TRC) | 6.0K +3.6K (+143.1%) | 8.2K +4.7K (+132.9%) | 0.02% +0.013 pp | 0.00% +0.000 pp | USD1.43 -4.9% | 23 qtrs — |
| 25 | CIBC PRIVATE WEALTH GROUP, LLC | 5.0K +— (+0.0%) | 6.8K -300.0 (-4.2%) | 0.02% 0.000 pp | 0.00% +0.000 pp | USD1.42 -4.2% | 2 qtrs — |
| 26 | CITIGROUP INC | 2.9K +1.1K (+61.9%) | 3.9K +1.4K (+55.1%) | 0.01% +0.004 pp | 0.00% +0.000 pp | USD1.40 -2.9% | 2 qtrs — |
| 27 | BARD ASSOCIATES INC | 947.00 +947.0 (+100.0%) | 1.3K +1.3K (+100.0%) | 0.00% +0.004 pp | 0.00% +0.000 pp | USD1.36 +0.0% | 1 qtrs NEW |
| 28 | SIMPLEX TRADING, LLC | 901.00 +901.0 (+100.0%) | 1.2K +1.2K (+100.0%) | 0.00% +0.003 pp | 0.00% +0.000 pp | USD1.36 +0.0% | 1 qtrs NEW |
| 29 | SBI SECURITIES CO., LTD. | 175.00 -2.0 (-1.1%) | 238.00 -13.0 (-5.2%) | 0.00% +0.000 pp | 0.00% +0.000 pp | USD1.45 -6.2% | 5 qtrs — |
| 30 | UBS GROUP AG | 30.00 -161.0 (-84.3%) | 40.00 -231.0 (-85.2%) | 0.00% -0.001 pp | 0.00% +0.000 pp | USD1.50 -9.3% | 9 qtrs — |
| 31 | BANK OF AMERICA CORP /DE/ | 29.00 -12.0 (-29.3%) | 39.00 -19.0 (-32.8%) | 0.00% +0.000 pp | 0.00% +0.000 pp | USD1.48 -8.1% | 10 qtrs — |
| 32 | SCOGGIN MANAGEMENT LP | — -80.0K (-100.0%) | — -113.6K (-100.0%) | 0.00% -0.302 pp | 0.00% -0.018 pp | USD— | 2 qtrs SOLD |
| 33 | MADRONA FINANCIAL SERVICES, LLC | — -34.1K (-100.0%) | — -48.4K (-100.0%) | 0.00% -0.129 pp | 0.00% -0.011 pp | USD— | 14 qtrs SOLD |
| 34 | MAIN STREET FINANCIAL SOLUTIONS, LLC | — -10.0K (-100.0%) | — -14.2K (-100.0%) | 0.00% -0.038 pp | 0.00% -0.001 pp | USD— | 2 qtrs SOLD |
| 35 | IFP ADVISORS, INC | — -8.0K (-100.0%) | — -11.4K (-100.0%) | 0.00% -0.030 pp | 0.00% 0.000 pp | USD— | 5 qtrs SOLD |
| 36 | TWO SIGMA SECURITIES, LLC | — -12.5K (-100.0%) | — -17.8K (-100.0%) | 0.00% -0.047 pp | 0.00% -0.003 pp | USD— | 4 qtrs SOLD |
| 37 | WHITTIER TRUST CO | — -2.8M (-100.0%) | — -4.1M (-100.0%) | 0.00% -10.605 pp | 0.00% -0.047 pp | USD— | 6 qtrs SOLD |
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares Micro-Cap ETF IWC | 0.01% | 153.2K | 0.60% |
| 2 | Vanguard Extended Market ETF VXF | 0.00% | 263.5K | 0.05% |
| 3 | Vanguard U.S. Total Market Shares Index ETF VTS.AX | 0.00% | 2.5K | 0.03% |
| 4 | Vanguard U.S. Total Market Index ETF VUN.TO | 0.00% | 6.9K | 0.17% |
| 5 | Vanguard U.S. Total Market Index ETF (CAD-hedged) VUS.TO | 0.00% | 512.86 | 0.17% |
| 6 | Vanguard Total Stock Market ETF VTI | 0.00% | 1.19M | 0.03% |
| 7 | Vanguard All-Equity ETF Portfolio VEQT.TO | 0.00% | 2.6K | 0.22% |
| 8 | Vanguard Growth ETF Portfolio VGRO.TO | 0.00% | 1.4K | 0.22% |
| 9 | Vanguard Balanced ETF Portfolio VBAL.TO | 0.00% | 571.91 | 0.22% |
| 10 | Vanguard Conservative ETF Portfolio VCNS.TO | 0.00% | 63.03 | 0.22% |
Insider Activity
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026-11-20 | Uffner Jerry | Officer | — | D | Restricted Stock Units | 10,000 | 0.00 | — | 0 | — | ↗ |
| 2026-03-16 | Rollins Brad | Director | M-Exempt | A | Common Stock | 7,000 | 1.21 | 8.5K | 136,667 | D | ↗ |
| 2026-03-16 | Miller Elizabeth Michelle | Director | M-Exempt | A | Common Stock | 2,000 | 1.21 | 2.4K | 64,694 | D | ↗ |
| 2026-03-16 | Beyer del la Garza Ernesto R | Director | M-Exempt | A | Common Stock | 7,000 | 1.21 | 8.5K | 92,666 | D | ↗ |
| 2026-03-10 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 10,000 | 1.27 | 12.7K | 2,721,272 | D | ↗ |
| 2026-03-09 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 8,860 | 1.31 | 11.6K | 2,731,272 | D | ↗ |
| 2026-03-06 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 6,697 | 1.35 | 9.0K | 2,740,132 | D | ↗ |
| 2026-03-05 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 2,787 | 1.38 | 3.8K | 2,746,829 | D | ↗ |
| 2026-02-21 | HOCH LOUIS A | Director / Officer / 10% Owner | M-Exempt | D | Restricted Stock Units | 11,000 | 0.00 | — | 35,000 | D | ↗ |
| 2026-02-21 | Frost Houston Korth | Officer | M-Exempt | D | Restricted Stock Units | 4,000 | 0.00 | — | 26,000 | D | ↗ |
| 2026-02-21 | Carter Greg M | Officer | M-Exempt | D | Restricted Stock Units | 4,000 | 0.00 | — | 30,000 | D | ↗ |
| 2026-01-27 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 5,922 | 1.36 | 8.0K | 2,749,616 | D | ↗ |
| 2026-01-26 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 4,502 | 1.35 | 6.1K | 2,755,538 | D | ↗ |
| 2026-01-23 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 8,961 | 1.34 | 12.0K | 2,760,040 | D | ↗ |
| 2026-01-22 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 7,484 | 1.37 | 10.2K | 2,769,001 | D | ↗ |
| 2026-01-21 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 7,512 | 1.36 | 10.2K | 2,776,485 | D | ↗ |
| 2026-01-20 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 10,000 | 1.36 | 13.6K | 2,783,997 | D | ↗ |
| 2026-01-16 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 6,043 | 1.36 | 8.2K | 2,793,997 | D | ↗ |
| 2026-01-15 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 5,612 | 1.37 | 7.7K | 2,800,040 | D | ↗ |
| 2026-01-14 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 2,112 | 1.37 | 2.9K | 2,805,652 | D | ↗ |
| 2026-01-13 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 5,408 | 1.36 | 7.4K | 2,807,764 | D | ↗ |
| 2026-01-09 | White Michael Joseph | Officer | — | D | Restricted Stock Units | 1,200 | 0.00 | — | 0 | — | ↗ |
| 2025-12-08 | HOCH LOUIS A | Director / Officer / 10% Owner | G-Gift | D | Common Stock | 35,433 | 1.42 | 50.3K | 3,196,001 | D | ↗ |
| 2025-08-22 | HOCH LOUIS A | Director / Officer / 10% Owner | A-Award | A | Restriced Stock Units | 7,000 | 0.00 | — | 39,000 | D | ↗ |
| 2025-08-21 | White Michael Joseph | Officer | A-Award | A | Common Stock | 50,000 | 1.44 | 72.0K | 266,537 | D | ↗ |
| 2025-08-21 | Uffner Jerry | Officer | A-Award | A | Common Stock | 40,000 | 1.44 | 57.6K | 242,638 | D | ↗ |
| 2025-08-21 | Rollins Brad | Director | A-Award | A | Restriced Stock Units | 7,000 | 0.00 | — | 35,000 | D | ↗ |
| 2025-08-21 | Miller Elizabeth Michelle | Director | A-Award | A | Restriced Stock Units | 7,000 | 0.00 | — | 37,000 | D | ↗ |
| 2025-08-21 | HOCH LOUIS A | Director / Officer / 10% Owner | A-Award | A | Common Stock | 300,000 | 1.44 | 432.0K | 3,236,434 | D | ↗ |
| 2025-08-21 | Frost Houston Korth | Officer | A-Award | A | Restricted Stock Units | 6,000 | 0.00 | — | 18,000 | D | ↗ |
| 2025-08-21 | Carter Greg M | Officer | A-Award | A | Common Stock | 50,000 | 1.44 | 72.0K | 454,076 | D | ↗ |
| 2025-08-21 | Beyer del la Garza Ernesto R | Director | A-Award | A | Restriced Stock Units | 7,000 | 0.00 | — | 42,000 | D | ↗ |
| 2025-08-21 | Bender Blaise | Director | A-Award | A | Restriced Stock Units | 7,000 | 0.00 | — | 31,200 | D | ↗ |
| 2025-06-22 | Miller Elizabeth Michelle | Director | F-InKind | D | Common Stock | 5,556 | 1.44 | 8.0K | 62,694 | D | ↗ |
| 2025-06-21 | White Michael Joseph | Officer | M-Exempt | D | Restriced Stock Units | 6,000 | 0.00 | — | 13,200 | D | ↗ |
| 2025-06-21 | Uffner Jerry | Officer | M-Exempt | D | Restriced Stock Units | 4,000 | 0.00 | — | 38,000 | D | ↗ |
| 2025-06-21 | Rollins Brad | Director | M-Exempt | D | Restriced Stock Units | 7,000 | 0.00 | — | 21,000 | D | ↗ |
| 2025-06-21 | Miller Elizabeth Michelle | Director | M-Exempt | A | Common Stock | 7,000 | 1.44 | 10.1K | 47,778 | D | ↗ |
| 2025-06-21 | HOCH LOUIS A | Director / Officer / 10% Owner | M-Exempt | D | Restriced Stock Units | 7,000 | 0.00 | — | 25,000 | D | ↗ |
| 2025-06-21 | Frost Houston Korth | Officer | M-Exempt | D | Restriced Stock Units | 4,000 | 0.00 | — | 12,000 | D | ↗ |
| 2025-06-21 | Carter Greg M | Officer | M-Exempt | A | Common Stock | 6,000 | 1.44 | 8.6K | 405,855 | D | ↗ |
| 2025-06-21 | Beyer del la Garza Ernesto R | Director | M-Exempt | D | Restriced Stock Units | 7,000 | 0.00 | — | 21,000 | D | ↗ |
| 2025-06-21 | Bender Blaise | Director | M-Exempt | A | Common Stock | 7,000 | 1.44 | 10.1K | 105,877 | D | ↗ |
| 2025-03-16 | Rollins Brad | Director | M-Exempt | A | Common Stock | 7,000 | 1.47 | 10.3K | 122,667 | D | ↗ |
| 2025-03-16 | Miller Elizabeth Michelle | Director | M-Exempt | D | Restriced Stock Units | 2,000 | 0.00 | — | 45,222 | D | ↗ |
| 2025-03-16 | Beyer del la Garza Ernesto R | Director | M-Exempt | D | Restriced Stock Units | 7,000 | 0.00 | — | 28,000 | D | ↗ |
| 2025-03-16 | Bender Blaise | Director | M-Exempt | D | Restriced Stock Units | 7,000 | 0.00 | — | 31,200 | D | ↗ |
| 2025-02-21 | White Michael Joseph | Officer | M-Exempt | D | Restriced Stock Units | 1,200 | 0.00 | — | 19,200 | D | ↗ |
| 2025-02-21 | HOCH LOUIS A | Director / Officer / 10% Owner | F-InKind | D | Common Stock | 4,912 | 1.71 | 8.4K | 2,932,189 | D | ↗ |
| 2025-02-21 | Frost Houston Korth | Officer | M-Exempt | A | Common Stock | 4,000 | 1.71 | 6.8K | 664,567 | D | ↗ |
| 2025-02-21 | Carter Greg M | Officer | M-Exempt | D | Restriced Stock Units | 4,000 | 0.00 | — | 22,000 | D | ↗ |
| 2025-01-31 | Frost Houston Korth | Officer | F-InKind | D | Common Stock | 54,460 | 1.88 | 102.4K | 660,567 | D | ↗ |
| 2024-12-29 | HOCH LOUIS A | Director / Officer / 10% Owner | F-InKind | D | Common Stock | 208,615 | 1.45 | 302.5K | 2,926,101 | D | ↗ |
| 2024-11-18 | White Michael Joseph | Officer | M-Exempt | D | Restricted Stock Units | 400 | 0.00 | — | 20,400 | D | ↗ |
| 2024-11-18 | Rollins Brad | Director | M-Exempt | D | Restricted Stock Units | 4,000 | 0.00 | — | 3,500 | D | ↗ |
| 2024-11-18 | HOCH LOUIS A | Director / Officer / 10% Owner | M-Exempt | A | Restricted Stock Units | 10,000 | 0.00 | — | 43,000 | D | ↗ |
| 2024-11-18 | Frost Houston Korth | Officer | M-Exempt | D | Restricted Stock Units | 2,000 | 0.00 | — | 20,000 | D | ↗ |
| 2024-11-18 | Carter Greg M | Officer | F-InKind | D | Restricted Stock Units | 3,000 | 0.00 | — | 26,000 | D | ↗ |
| 2024-11-18 | Beyer del la Garza Ernesto R | Director | M-Exempt | A | Common Stock | 4,000 | 1.47 | 5.9K | 71,666 | D | ↗ |
| 2024-11-18 | Bender Blaise | Director | F-InKind | D | Common Stock | 800 | 1.47 | 1.2K | 91,877 | D | ↗ |
| 2024-10-01 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 6,897 | 1.37 | 9.4K | 2,813,172 | D | ↗ |
| 2024-09-30 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 17,513 | 1.39 | 24.3K | 2,820,069 | D | ↗ |
| 2024-09-27 | National Services, Inc | 10% Owner | S-Sale | D | Common Stock | 7,487 | 1.43 | 10.7K | 2,837,582 | D | ↗ |
| 2024-09-05 | HOCH LOUIS A | Director / Officer / 10% Owner | G-Gift | D | Common Stock | 33,333 | 1.51 | 50.3K | 3,128,651 | — | ↗ |
| 2024-08-23 | HOCH LOUIS A | Director / Officer / 10% Owner | P-Purchase | A | Common Stock | 200 | 1.50 | 300.00 | 3,195,317 | — | ↗ |
| 2024-08-21 | HOCH LOUIS A | Director / Officer / 10% Owner | P-Purchase | A | Common Stock | 300 | 1.50 | 450.00 | 3,195,117 | — | ↗ |
| 2024-08-20 | HOCH LOUIS A | Director / Officer / 10% Owner | P-Purchase | A | Common Stock | 75 | 1.52 | 113.75 | 3,194,592 | — | ↗ |
| 2024-08-19 | HOCH LOUIS A | Director / Officer / 10% Owner | P-Purchase | A | Common Stock | 1,100 | 1.47 | 1.6K | 3,193,917 | — | ↗ |
| 2024-06-22 | Miller Elizabeth Michelle | Director | M-Exempt | A | Common Stock | 22,222 | 1.55 | 34.4K | 45,945 | — | ↗ |
| 2024-06-21 | White Michael Joseph | Officer | A-Award | A | Restricted Stock Units | 6,000 | 0.00 | — | 8,800 | — | ↗ |
| 2024-06-21 | Uffner Jerry | Officer | A-Award | A | Restricted Stock Units | 4,000 | 0.00 | — | 34,000 | — | ↗ |
| 2024-06-21 | Rollins Brad | Director | A-Award | A | Restricted Stock Units | 7,000 | 0.00 | — | 39,000 | — | ↗ |
| 2024-06-21 | Miller Elizabeth Michelle | Director | A-Award | A | Restricted Stock Units | 7,000 | 0.00 | — | 69,444 | — | ↗ |
| 2024-06-21 | HOCH LOUIS A | Director / Officer / 10% Owner | A-Award | A | Common Stock | 160,000 | 1.55 | 248.0K | 3,192,817 | — | ↗ |
| 2024-06-21 | Frost Houston Korth | Officer | A-Award | A | Restricted Stock Units | 4,000 | 0.00 | — | 14,000 | — | ↗ |
| 2024-06-21 | Carter Greg M | Officer | A-Award | A | Restricted Stock Units | 6,000 | 0.00 | — | 17,000 | — | ↗ |
| 2024-06-21 | Beyer del la Garza Ernesto R | Director | A-Award | A | Restricted Stock Units | 7,000 | 0.00 | — | 39,000 | — | ↗ |
| 2024-06-21 | Bender Blaise | Director | A-Award | A | Restricted Stock Units | 7,000 | 0.00 | — | 42,200 | — | ↗ |
| 2024-06-20 | Uffner Jerry | Officer | — | D | Common Stock | 0 | 0.00 | — | 100,000 | — | ↗ |
| 2024-03-16 | Rollins Brad | Director | M-Exempt | D | Restricted Stock Units | 7,000 | 0.00 | — | 18,000 | — | ↗ |
| 2024-03-16 | Miller Elizabeth Michelle | Director | F-InKind | D | Common Stock | 500 | 1.65 | 825.00 | 23,723 | — | ↗ |
| 2024-03-16 | Beyer del la Garza Ernesto R | Director | M-Exempt | A | Restricted Stock Units | 7,000 | 0.00 | — | 18,000 | — | ↗ |
| 2024-03-16 | Bender Blaise | Director | M-Exempt | A | Restricted Stock Units | 7,000 | 0.00 | — | 21,200 | — | ↗ |
| 2024-02-21 | HOCH LOUIS A | Director / Officer / 10% Owner | F-InKind | D | Common Stock | 4,912 | 1.57 | 7.7K | 3,032,817 | — | ↗ |
| 2024-02-21 | Frost Houston Korth | Officer | M-Exempt | A | Common Stock | 4,000 | 1.57 | 6.3K | 673,027 | — | ↗ |
| 2024-02-21 | Carter Greg M | Officer | M-Exempt | A | Common Stock | 4,000 | 1.57 | 6.3K | 315,000 | — | ↗ |
| 2024-02-08 | Frost Houston Korth | Officer | M-Exempt | A | Common Stock | 500 | 1.67 | 835.00 | 669,027 | — | ↗ |
| 2024-02-01 | White Michael Joseph | Officer | — | D | Common Stock | 0 | 0.00 | — | 91,181 | — | ↗ |
| 2023-11-18 | Rollins Brad | Director | M-Exempt | A | Common Stock | 4,000 | 1.70 | 6.8K | 104,667 | — | ↗ |
| 2023-11-18 | Jewell Lowell Thomas | Officer | M-Exempt | D | Restricted Stock Units | 7,000 | 0.00 | — | 32,381 | — | ↗ |
| 2023-11-18 | HOCH LOUIS A | Director / Officer / 10% Owner | M-Exempt | A | Common Stock | 10,000 | 1.70 | 17.0K | 3,030,656 | — | ↗ |
| 2023-11-18 | Frost Houston Korth | Officer | M-Exempt | D | Restricted Stock Units | 2,000 | 0.00 | — | 14,500 | — | ↗ |
| 2023-11-18 | Carter Greg M | Officer | M-Exempt | A | Restricted Stock Units | 3,000 | 0.00 | — | 15,000 | — | ↗ |
| 2023-11-18 | Beyer del la Garza Ernesto R | Director | M-Exempt | A | Restricted Stock Units | 4,000 | 0.00 | — | 25,000 | — | ↗ |
| 2023-11-18 | Bender Blaise | Director | M-Exempt | A | Restricted Stock Units | 4,000 | 0.00 | — | 28,200 | — | ↗ |
| 2023-08-22 | Miller Elizabeth Michelle | Director | M-Exempt | A | Common Stock | 22,223 | 1.79 | 39.8K | 22,223 | — | ↗ |
| 2023-06-23 | Miller Elizabeth Michelle | Director | M-Exempt | D | Restricted Stock Units | 22,223 | 0.00 | — | 50,444 | — | ↗ |
| 2023-06-20 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 9,000 | 1.96 | 17.6K | 2,845,069 | D | ↗ |
| 2023-06-16 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 772 | 1.90 | 1.5K | 2,836,069 | D | ↗ |
| 2023-06-07 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 9,000 | 2.06 | 18.5K | 2,835,297 | D | ↗ |
| 2023-06-06 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 27,881 | 2.06 | 57.4K | 2,826,297 | D | ↗ |
| 2023-06-05 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 16,141 | 2.07 | 33.4K | 2,798,416 | D | ↗ |
| 2023-06-01 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 18,000 | 2.06 | 37.1K | 2,782,275 | D | ↗ |
| 2023-05-31 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 27,200 | 2.07 | 56.3K | 2,764,275 | D | ↗ |
| 2023-05-30 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 18,000 | 2.09 | 37.6K | 2,737,075 | D | ↗ |
| 2023-05-26 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 9,000 | 2.10 | 18.9K | 2,719,075 | D | ↗ |
| 2023-05-25 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 18,000 | 2.09 | 37.6K | 2,710,075 | D | ↗ |
| 2023-05-24 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 9,000 | 2.12 | 19.1K | 2,692,075 | D | ↗ |
| 2023-05-23 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 18,000 | 2.10 | 37.8K | 2,683,075 | D | ↗ |
| 2023-05-18 | National Services, Inc | 10% Owner | P-Purchase | A | Common Stock | 9,000 | 2.12 | 19.1K | 2,665,075 | D | ↗ |
| 2023-05-17 | National Services, Inc | 10% Owner | — | — | Common Stock | 0 | 0.00 | — | 7,420 | I | ↗ |
| 2023-04-01 | Rollins Brad | Director | M-Exempt | A | Common Stock | 10,000 | 1.74 | 17.4K | 100,667 | — | ↗ |
| 2023-04-01 | Bender Blaise | Director | M-Exempt | A | Common Stock | 3,333 | 1.74 | 5.8K | 79,477 | — | ↗ |
| 2023-03-16 | Rollins Brad | Director | A-Award | A | Restricted Stock Units | 7,000 | 0.00 | — | 25,000 | — | ↗ |
| 2023-03-16 | Miller Elizabeth Michelle | Director | A-Award | A | Restricted Stock Units | 2,000 | 0.00 | — | 68,667 | — | ↗ |
| 2023-03-16 | Beyer del la Garza Ernesto R | Director | A-Award | A | Restricted Stock Units | 7,000 | 0.00 | — | 29,000 | — | ↗ |
| 2023-03-16 | Bender Blaise | Director | A-Award | A | Restricted Stock Units | 7,000 | 0.00 | — | 18,333 | — | ↗ |
| 2023-02-21 | Jewell Lowell Thomas | Officer | A-Award | A | Restricted Stock Units | 7,000 | 0.00 | — | 21,000 | — | ↗ |
| 2023-02-21 | HOCH LOUIS A | Director / Officer / 10% Owner | A-Award | A | Restricted Stock Units | 11,000 | 0.00 | — | 31,000 | — | ↗ |
| 2023-02-21 | Frost Houston Korth | Officer | A-Award | A | Restricted Stock Units | 4,000 | 0.00 | — | 8,500 | — | ↗ |
| 2023-02-21 | Carter Greg M | Officer | A-Award | A | Restricted Stock Units | 4,000 | 0.00 | — | 10,000 | — | ↗ |
| 2023-02-08 | Frost Houston Korth | Officer | M-Exempt | A | Common Stock | 500 | 2.05 | 1.0K | 566,527 | — | ↗ |
| 2022-11-18 | Rollins Brad | Director | M-Exempt | A | Common Stock | 4,000 | 2.35 | 9.4K | 90,667 | — | ↗ |
| 2022-11-18 | Jewell Lowell Thomas | Officer | M-Exempt | A | Restricted Stock Units | 7,000 | 0.00 | — | 14,000 | — | ↗ |
| 2022-11-18 | HOCH LOUIS A | Officer | F-InKind | D | Common Stock | 3,935 | 2.35 | 9.2K | 2,690,656 | — | ↗ |
| 2022-11-18 | Frost Houston Korth | Officer | M-Exempt | D | Restricted Stock Units | 2,000 | 0.00 | — | 5,000 | — | ↗ |
| 2022-11-18 | Carter Greg M | Officer | M-Exempt | D | Restricted Stock Units | 3,000 | 0.00 | — | 6,000 | — | ↗ |
| 2022-11-18 | Beyer del la Garza Ernesto R | Director | M-Exempt | A | Restricted Stock Units | 4,000 | 0.00 | — | 8,000 | — | ↗ |
| 2022-11-18 | Bender Blaise | Director | F-InKind | D | Common Stock | 1,200 | 2.35 | 2.8K | 76,134 | — | ↗ |
| 2022-11-11 | Topline Capital Partners, LP | Director | S-Sale | D | Common Stock | 357,529 | 2.06 | 736.5K | 2,427,912 | — | ↗ |
| 2022-11-11 | Topline Capital Management, LLC | Director | S-Sale | D | Common Stock | 357,529 | 2.06 | 736.5K | 2,427,912 | — | ↗ |
| 2022-11-10 | Topline Capital Partners, LP | Director | S-Sale | D | Common Stock | 39,994 | 1.93 | 77.2K | 2,785,441 | — | ↗ |
| 2022-11-10 | Topline Capital Management, LLC | Director | S-Sale | D | Common Stock | 39,994 | 1.93 | 77.2K | 2,785,441 | — | ↗ |
| 2022-11-09 | Topline Capital Partners, LP | Director | S-Sale | D | Common Stock | 112,508 | 2.11 | 237.4K | 2,825,435 | — | ↗ |
| 2022-11-09 | Topline Capital Management, LLC | Director | S-Sale | D | Common Stock | 112,508 | 2.11 | 237.4K | 2,825,435 | — | ↗ |
| 2022-10-19 | Topline Capital Partners, LP | Director | S-Sale | D | Common Stock | 47,974 | 2.13 | 102.2K | 2,937,943 | — | ↗ |
| 2022-10-19 | Topline Capital Management, LLC | Director | S-Sale | D | Common Stock | 47,974 | 2.13 | 102.2K | 2,937,943 | — | ↗ |
| 2022-10-06 | Topline Capital Partners, LP | Director | S-Sale | D | Common Stock | 11,771 | 1.68 | 19.8K | 2,985,917 | — | ↗ |
| 2022-10-06 | Topline Capital Management, LLC | Other | S-Sale | D | Common Stock | 11,771 | 1.68 | 19.8K | 2,985,917 | — | ↗ |
| 2022-10-06 | McBirney Collin | Director | S-Sale | D | Common Stock | 11,771 | 1.68 | 19.8K | 2,985,917 | — | ↗ |
| 2022-10-05 | Topline Capital Partners, LP | Director | S-Sale | D | Common Stock | 9,717 | 1.74 | 16.9K | 2,997,688 | — | ↗ |
| 2022-10-05 | Topline Capital Management, LLC | Other | S-Sale | D | Common Stock | 9,717 | 1.74 | 16.9K | 2,997,688 | — | ↗ |
| 2022-10-05 | McBirney Collin | Director | S-Sale | D | Common Stock | 9,717 | 1.74 | 16.9K | 2,997,688 | — | ↗ |
| 2022-10-04 | HOCH LOUIS A | Officer | F-InKind | D | Common Stock | 26,234 | 1.63 | 42.8K | 2,684,591 | — | ↗ |
| 2022-08-29 | Beyer del la Garza Ernesto R | Director | M-Exempt | A | Common Stock | 22,222 | 1.52 | 33.8K | 52,666 | D | ↗ |
| 2022-08-22 | Frost Houston Korth | Officer | P-Purchase | A | Common Stock | 5,000 | 1.44 | 7.2K | 554,027 | — | ↗ |
| 2022-08-16 | Topline Capital Management, LLC | Other | S-Sale | D | Common Stock | 44,950 | 1.60 | 71.9K | 3,007,405 | — | ↗ |
| 2022-08-15 | Topline Capital Partners, LP | 10% Owner | S-Sale | D | Common Stock | 144,042 | 1.69 | 243.4K | 3,052,355 | — | ↗ |
| 2022-08-15 | Topline Capital Management, LLC | Other | S-Sale | D | Common Stock | 144,042 | 1.69 | 243.4K | 3,052,355 | — | ↗ |
| 2022-08-12 | Topline Capital Partners, LP | Director | S-Sale | D | Common Stock | 44,950 | 1.60 | 71.9K | 3,007,405 | — | ↗ |
| 2022-08-12 | Topline Capital Management, LLC | Other | S-Sale | D | Common Stock | 129,352 | 1.73 | 223.8K | 3,196,397 | — | ↗ |
| 2022-08-12 | McBirney Collin | Director | S-Sale | D | Common Stock | 44,950 | 1.60 | 71.9K | 3,007,405 | — | ↗ |
| 2022-04-01 | Rollins Brad | Director | M-Exempt | A | Common Stock | 10,000 | 3.51 | 35.1K | 86,667 | — | ↗ |
| 2022-04-01 | Bender Blaise | Director | M-Exempt | A | Common Stock | 3,333 | 3.51 | 11.7K | 73,334 | — | ↗ |
| 2022-02-08 | Frost Houston Korth | Officer | A-Award | A | Restricted Stock Units | 500 | 0.00 | — | 7,000 | — | ↗ |
| 2022-01-06 | Jewell Lowell Thomas | Officer | D-Return | D | Common Stock | 11,361 | 4.21 | 47.8K | 562,222 | — | ↗ |
| 2021-12-07 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 5.55 | 11.1K | 1,901,873 | — | ↗ |
| 2021-12-06 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 5.60 | 11.2K | 1,903,873 | — | ↗ |
| 2021-12-02 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.51 | 13.0K | 1,905,873 | — | ↗ |
| 2021-12-01 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 999 | 7.50 | 7.5K | 1,907,873 | — | ↗ |
| 2021-11-30 | Topline Capital Partners, LP | 10% Owner | S-Sale | D | Common Stock | 320 | 7.91 | 2.5K | 3,325,749 | — | ↗ |
| 2021-11-30 | Topline Capital Management, LLC | — | S-Sale | D | Common Stock | 320 | 7.91 | 2.5K | 3,325,749 | — | ↗ |
| 2021-11-30 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 7.90 | 15.8K | 1,908,872 | — | ↗ |
| 2021-11-29 | Topline Capital Partners, LP | 10% Owner | S-Sale | D | Common Stock | 14,018 | 7.98 | 111.9K | 3,326,069 | — | ↗ |
| 2021-11-29 | Topline Capital Management, LLC | — | S-Sale | D | Common Stock | 14,018 | 7.98 | 111.9K | 3,326,069 | — | ↗ |
| 2021-11-29 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 8.17 | 16.3K | 1,910,872 | — | ↗ |
| 2021-11-26 | Topline Capital Partners, LP | 10% Owner | S-Sale | D | Common Stock | 7,117 | 8.00 | 56.9K | 3,340,087 | — | ↗ |
| 2021-11-26 | Topline Capital Management, LLC | — | S-Sale | D | Common Stock | 7,117 | 8.00 | 56.9K | 3,340,087 | — | ↗ |
| 2021-11-26 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 8.22 | 16.4K | 1,912,872 | — | ↗ |
| 2021-11-24 | Topline Capital Partners, LP | 10% Owner | S-Sale | D | Common Stock | 99,682 | 8.17 | 814.4K | 3,347,204 | — | ↗ |
| 2021-11-24 | Topline Capital Management, LLC | — | S-Sale | D | Common Stock | 99,682 | 8.17 | 814.4K | 3,347,204 | — | ↗ |
| 2021-11-23 | Topline Capital Partners, LP | 10% Owner | S-Sale | D | Common Stock | 28,114 | 7.93 | 222.9K | 3,446,886 | — | ↗ |
| 2021-11-23 | Topline Capital Management, LLC | — | S-Sale | D | Common Stock | 28,114 | 7.93 | 222.9K | 3,446,886 | — | ↗ |
| 2021-11-22 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 7.59 | 15.2K | 1,918,872 | — | ↗ |
| 2021-11-22 | HOCH LOUIS A | Director / Officer / 10% Owner | S-Sale | D | Common Stock | 2,000 | 8.44 | 16.9K | 2,710,825 | — | ↗ |
| 2021-11-19 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.45 | 12.9K | 1,920,872 | — | ↗ |
| 2021-11-18 | Rollins Brad | Director | A-Award | A | Restricted Stock Units | 4,000 | 0.00 | — | 32,000 | — | ↗ |
| 2021-11-18 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.15 | 12.3K | 1,922,872 | — | ↗ |
| 2021-11-18 | Jewell Lowell Thomas | Officer | A-Award | A | Restricted Stock Units | 7,000 | 0.00 | — | 7,000 | — | ↗ |
| 2021-11-18 | HOCH LOUIS A | Director / Officer / 10% Owner | A-Award | A | Common Stock | 100,000 | 6.39 | 639.0K | 2,712,825 | — | ↗ |
| 2021-11-18 | Frost Houston Korth | Officer | A-Award | A | Restricted Stock Units | 2,000 | 0.00 | — | 2,000 | — | ↗ |
| 2021-11-18 | Carter Greg M | Officer | A-Award | A | Restricted Stock Units | 3,000 | 0.00 | — | 6,000 | — | ↗ |
| 2021-11-18 | Beyer del la Garza Ernesto R | Director | A-Award | A | Restricted Stock Units | 4,000 | 0.00 | — | 34,222 | — | ↗ |
| 2021-11-18 | Bender Blaise | Director | A-Award | A | Restricted Stock Units | 4,000 | 0.00 | — | 10,666 | — | ↗ |
| 2021-11-17 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.05 | 12.1K | 1,924,872 | — | ↗ |
| 2021-11-16 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.00 | 12.0K | 1,926,872 | — | ↗ |
| 2021-11-15 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.05 | 12.1K | 1,928,872 | — | ↗ |
| 2021-11-12 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.00 | 12.0K | 1,930,872 | — | ↗ |
| 2021-11-11 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.21 | 12.4K | 1,934,759 | — | ↗ |
| 2021-11-10 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 5.90 | 11.8K | 1,937,508 | — | ↗ |
| 2021-11-09 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 1,251 | 6.00 | 7.5K | 1,939,508 | — | ↗ |
| 2021-11-08 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.07 | 12.1K | 1,940,759 | — | ↗ |
| 2021-11-05 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.24 | 12.5K | 1,942,759 | — | ↗ |
| 2021-11-04 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 113 | 6.40 | 723.20 | 1,944,759 | — | ↗ |
| 2021-11-03 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.40 | 12.8K | 1,944,872 | — | ↗ |
| 2021-11-02 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.45 | 12.9K | 1,946,872 | — | ↗ |
| 2021-11-01 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 6.38 | 12.8K | 1,948,872 | — | ↗ |
| 2021-10-29 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 8,000 | 6.17 | 49.4K | 1,950,872 | — | ↗ |
| 2021-10-28 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 2,000 | 5.90 | 11.8K | 1,958,872 | — | ↗ |
| 2021-10-27 | LONG MICHAEL R | Director | S-Sale | D | Common Stock | 1,471 | 6.05 | 8.9K | 1,960,872 | — | ↗ |
Executive team
Executive compensation
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2025 | Louis A. Hoch Chairman, President, and Chief Executive and Operating Officer | 878.8K | — | 462.2K | — | — | 30.5K | 1.37M | 33.70% | ↗ |
| 2 | 2025 | Greg Carter EVP, Payment Acceptance | 289.4K | — | 97.9K | — | — | 28.7K | 416.1K | 23.53% | ↗ |
| 3 | 2025 | Houston Frost SVP, Chief Product Officer | 240.0K | — | 97.9K | — | — | 10.7K | 348.6K | 28.09% | ↗ |
| 4 | 2025 | Michael White Chief Accounting Officer | 219.4K | — | 97.9K | — | — | 16.2K | 333.5K | 29.36% | ↗ |
| 5 | 2024 | Louis A. Hoch Chairman, President, and Chief Executive and Operating Officer | 783.2K | 250.0K | 280.6K | — | — | 34.7K | 1.35M | 20.81% | ↗ |
| 6 | 2024 | Greg Carter EVP, Payment Acceptance | 265.0K | — | 151.9K | — | — | 16.6K | 433.4K | 35.04% | ↗ |
| 7 | 2024 | Michael White Chief Accounting Officer | 177.3K | — | 213.9K | — | — | 17.5K | 408.8K | 52.33% | ↗ |
| 8 | 2024 | Houston Frost SVP, Chief Product Officer | 236.5K | — | 80.6K | — | — | 3.7K | 320.8K | 25.12% | ↗ |
| 9 | 2022 | Louis A. Hoch Vice Chairman, President and Chief Executive and Operating Officer | 588.0K | — | — | — | — | 33.2K | 621.2K | 0.00% | ↗ |
| 10 | 2022 | Tom Jewell Chief Financial Officer | 325.0K | — | — | — | — | 23.7K | 348.7K | 0.00% | ↗ |
| 11 | 2022 | Greg Carter EVP, Payment Acceptance | 250.0K | — | — | — | — | 20.1K | 270.1K | 0.00% | ↗ |
| 12 | 2022 | Houston Frost SVP, Corporate Development and Prepaid Services | 209.0K | — | 3.4K | — | — | 9.0K | 221.3K | 1.52% | ↗ |
| 13 | 2021 | Louis A. Hoch Vice Chairman, President and Chief Executive Officer | 495.4K | — | 830.7K | — | — | 29.4K | 1.36M | 61.28% | ↗ |
| 14 | 2021 | Louis A. Hoch Vice Chairman, President and Chief Executive and Operating Officer | 495.4K | — | 830.7K | — | — | 29.4K | 1.36M | 61.28% | ↗ |
| 15 | 2021 | Tom Jewell Chief Financial Officer | 246.5K | — | 453.7K | — | — | 19.8K | 720.0K | 63.01% | ↗ |
| 16 | 2021 | Greg Carter EVP, Payment Acceptance | 208.5K | — | 249.2K | — | — | 20.0K | 474.6K | 52.51% | ↗ |
| 17 | 2021 | Houston Frost SVP, Corporate Development and Prepaid Services | 174.2K | — | 198.1K | — | — | 7.6K | 379.8K | 52.15% | ↗ |
| 18 | 2020 | Louis A. Hoch Vice Chairman, President and Chief Executive Officer | 350.0K | — | 540.0K | — | — | 27.1K | 917.1K | 58.88% | ↗ |
| 19 | 2020 | Tom Jewell Chief Financial Officer | 223.8K | — | 216.0K | — | — | 16.5K | 456.4K | 47.33% | ↗ |
| 20 | 2020 | Houston Frost Senior Vice President, Corporate Development and Prepaid Products | 162.4K | 35.0K | 162.0K | — | — | 8.5K | 367.8K | 44.05% | ↗ |
| 21 | 2020 | Houston Frost SVP, Corporate Development and Prepaid Services | 162.4K | 35.0K | 162.0K | — | — | 8.5K | 367.8K | 44.05% | ↗ |
| 22 | 2020 | Greg Carter EVP, Payment Acceptance | 205.0K | — | — | — | — | 14.7K | 219.7K | 0.00% | ↗ |
| 23 | 2019 | Louis A. Hoch Vice Chairman, President and Chief Executive Officer | 350.0K | 150.0K | — | — | — | 16.3K | 516.3K | 0.00% | ↗ |
| 24 | 2019 | Vaden Landers Chief Revenue Officer | 300.0K | — | — | — | — | 588.00 | 300.6K | 0.00% | ↗ |
| 25 | 2019 | Tom Jewell Chief Financial Officer | 220.0K | — | — | — | — | 9.4K | 229.4K | 0.00% | ↗ |
| 26 | 2019 | Houston Frost Senior Vice President, Corporate Development and Prepaid Products | 160.0K | — | — | — | — | 7.0K | 167.0K | 0.00% | ↗ |
| 27 | 2018 | Louis A. Hoch Vice Chairman, President and Chief Executive Officer | 350.0K | — | — | — | — | 15.9K | 365.9K | 0.00% | ↗ |
| 28 | 2018 | Vaden Landers Chief Revenue Officer | 300.0K | — | — | — | — | 588.00 | 300.6K | 0.00% | ↗ |
| 29 | 2018 | Tom Jewell Chief Financial Officer | 192.3K | — | — | — | — | 8.3K | 200.6K | 0.00% | ↗ |
| 30 | 2017 | Louis A. Hoch Vice Chairman, President and Chief Executive Officer | 350.0K | 70.0K | 663.0K | — | — | 15.6K | 1.10M | 60.35% | ↗ |
| 31 | 2017 | Tom Jewell Chief Financial Officer | 170.4K | 30.0K | 331.5K | — | — | 7.4K | 539.3K | 61.47% | ↗ |
| 32 | 2017 | Houston Frost Senior Vice President, Corporate Development and Prepaid Products | 132.3K | — | 143.1K | — | — | 68.4K | 343.8K | 41.62% | ↗ |
| 33 | 2016 | Louis A. Hoch Vice Chairman, President and Chief Executive Officer | 272.6K | — | 226.4K | — | — | 320.2K | 819.3K | 27.64% | ↗ |
| 34 | 2016 | Michael R. Long Chairman, Former Chief Executive Officer | 255.0K | — | 212.2K | — | — | 81.4K | 548.5K | 38.68% | ↗ |
| 35 | 2016 | Houston Frost Senior Vice President, Corporate Development and Prepaid Products | 130.0K | — | 139.4K | — | — | 5.8K | 275.2K | 50.66% | ↗ |
| 36 | 2016 | Larry Morrison Senior Vice President, Sales and Marketing | 130.0K | — | 68.8K | — | — | 34.6K | 233.4K | 29.48% | ↗ |
| 37 | 2015 | Michael R. Long Chairman, Former Chief Executive Officer | 255.0K | 90.5K | 223.2K | — | — | 66.7K | 635.4K | 35.13% | ↗ |
| 38 | 2015 | Michael R. Long Chairman, Chief Executive Officer | 255.0K | 90.5K | 223.2K | — | — | 86.7K | 635.4K | 35.13% | ↗ |
| 39 | 2015 | Louis A. Hoch Vice Chairman, President and Chief Executive Officer | 235.0K | 20.0K | 243.4K | — | — | 127.8K | 626.2K | 38.87% | ↗ |
| 40 | 2015 | Louis A. Hoch Vice Chairman, President and Chief Operating Officer | 235.0K | 20.0K | 243.4K | — | — | 127.8K | 626.2K | 38.87% | ↗ |
| 41 | 2015 | Houston Frost Senior Vice President | 130.0K | 43.1K | 139.4K | — | — | 6.4K | 319.0K | 43.71% | ↗ |
| 42 | 2015 | Houston Frost Senior Vice President, Corporate Development and Prepaid Products | 130.0K | 43.1K | 139.4K | — | — | 6.4K | 319.0K | 43.71% | ↗ |
| 43 | 2014 | Louis A. Hoch Vice Chairman, President and Chief Operating Officer | 235.0K | 45.0K | 107.4K | — | — | 14.1K | 401.6K | 26.75% | ↗ |
| 44 | 2014 | Michael R. Long Chairman, Chief Executive and Chief Financial Officer | 255.0K | 25.0K | 87.2K | — | — | 14.9K | 382.2K | 22.83% | ↗ |
| 45 | 2014 | Michael R. Long Chairman, Chief Executive Officer | 255.0K | 25.0K | 87.2K | — | — | 14.9K | 382.2K | 22.83% | ↗ |
| 46 | 2014 | Larry Morrison Vice President, Sales and Marketing Officer | 110.0K | 11.5K | 18.6K | — | — | 6.6K | 146.7K | 12.66% | ↗ |
| 47 | 2014 | Kenneth Keller Senior Vice President, Chief Technology Officer | 104.2K | 9.0K | 21.9K | — | — | 4.3K | 139.4K | 15.68% | ↗ |
| 48 | 2013 | Michael R. Long Chairman, Chief Executive and Chief Financial Officer | 255.0K | 20.0K | 87.2K | — | — | 12.1K | 374.4K | 23.30% | ↗ |
| 49 | 2013 | Louis A. Hoch Vice Chairman, President and Chief Operating Officer | 235.0K | — | 107.4K | — | — | 3.4K | 345.8K | 31.06% | ↗ |
| 50 | 2013 | Larry Morrison Vice President, Sales and Marketing Officer | 110.0K | — | 18.6K | — | — | 1.7K | 130.3K | 14.26% | ↗ |
| 51 | 2013 | Kenneth Keller Senior Vice President, Chief Technology Officer | 104.2K | — | 21.9K | — | — | 947.00 | 127.0K | 17.21% | ↗ |
| 52 | 2007 | Chairman, Chief Executive Officer | 190.0K | 231.0K | 153.2K | — | — | 12.1K | 586.3K | 26.13% | ↗ |
| 53 | 2007 | Vice Chairman, President and Chief Operating Officer | 175.0K | 231.0K | 166.6K | — | — | 2.5K | 575.1K | 28.97% | ↗ |
| 54 | 2007 | Vice President, Business | 100.0K | — | 19.8K | — | — | 1.9K | 121.7K | 16.25% | ↗ |
| 55 | 2006 | Vice Chairman, President and Chief Operating Officer | 175.0K | — | 367.5K | — | — | 2.5K | 545.0K | 67.43% | ↗ |
| 56 | 2006 | Chairman, Chief Executive Officer and Chief Financial Officer | 190.0K | — | 225.1K | — | — | 12.1K | 427.2K | 52.68% | ↗ |
| 57 | 2006 | Chairman, Chief Executive Officer | 190.0K | — | 84.6K | — | — | 12.1K | 286.7K | 29.50% | ↗ |
| 58 | 2006 | Vice Chairman, President and Chief Operating Officer | 175.0K | — | 83.7K | — | — | 2.5K | 261.2K | 32.05% | ↗ |
| 59 | 2006 | Vice President, Business Development | 100.0K | — | 90.0K | — | — | 1.0K | 191.0K | 47.12% | ↗ |
| 60 | 2006 | Vice President, Business | 100.0K | — | 10.8K | — | — | 1.0K | 111.8K | 9.64% | ↗ |
| 61 | 2005 | Vice Chairman, President and Chief Operating Officer | 175.0K | — | 370.7K | — | — | 2.1K | 547.8K | 67.67% | ↗ |
| 62 | 2005 | Chairman, Chief Executive Officer and Chief Financial Officer | 190.0K | — | 331.6K | — | — | 11.5K | 533.1K | 62.20% | ↗ |
| 63 | 2005 | Vice President, Business Development | 100.0K | — | 37.8K | — | — | 846.00 | 138.6K | 27.27% | ↗ |
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Louis A. Hoch | Co-Founder, Chairman, President, Chief Executive Officer & Chief Operating Officer | 909.3K | male |
| Gregory Mark Carter | Executive Vice President of Payment Acceptance & Chief Revenue Officer | 318.2K | male |
| Houston Korth Frost | Senior VP of Corporate Development & Prepaid Products and Chief Product Officer | 250.7K | male |
| Michael White | Senior Vice President, Chief Accounting Officer and Principal Accounting & Financial Officer | 235.6K | male |
| Kenneth Wayne Keller | Chief Technology Officer & Senior Vice President | 117.5K | male |
| Silas Green | Senior Vice President of Output Solutions | — | male |
| Joe Huch | Vice President of Sales | — | male |
| Wayne Gonzales | Senior Vice President & Chief Compliance Officer | — | male |
| Joseph Saahene | Vice President & General Counsel | — | male |
| Paul Manley | Senior Vice President of Investor Relations | — | male |
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Community Opinion for USIO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

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