{"filings":[{"id":67886,"accession_number":"0001437749-26-016711","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2026-05-13T20:02:51+00:00","items":["2.02","9.01"],"status":"ready","headline":"Usio Q1 revenue up 16% to record, beats consensus 9%; adjusted EBITDA beats 12%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $0.1M ($0.00 EPS) vs loss of $0.2M ($0.01 loss) a year ago.","Revenue grew 16% YoY; credit card +23%, ACH +25%, Output Solutions +19%.","Total payment dollars processed up 28% YoY; all-time records for volume and transactions.","Adjusted EBITDA $0.8M, above consensus by 12%; operating cash flow $0.9M.","Cash $7.7M at quarter end; repurchased 182k shares for $235k."],"consensus_eps_estimate":-0.0179,"consensus_eps_actual":0.0,"consensus_revenue_estimate":null,"consensus_revenue_actual":25465774.0,"consensus_period":"2026-Q1","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101165,"accession_number":"0001437749-26-008836","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2026-03-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Usio Q4 revenue $22.2M (+8% YoY); net loss $1.5M; guides 10-12% revenue growth for 2026","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $22.2M, up 8% YoY; ACH & complementary services up 33% to $6.1M.","Net loss $1.5M ($0.05/share) vs net income $0.6M ($0.02/share) Q4 2024; prior year had $1.5M ERTC.","Adjusted EBITDA negative $0.2M in Q4 vs positive $0.5M year ago; full year 2025 Adj. EBITDA positive.","Guides 10-12% revenue growth for 2026 and continued positive Adjusted EBITDA.","Share repurchases $1.1M in 2025; Q4 bought 206,149 shares at avg $1.46."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101164,"accession_number":"0001437749-26-002190","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2026-01-27T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Usio reports record $8.4B payment volume in 2025; card issuing declines, expects strong 2026 growth","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Processed >$8.4B in payment volume (+19% YoY) and >60.4M transactions (+29% YoY).","Card Issuing prepaid loads fell to ~$300M (from $500M); transactions down to 8M (from 11M).","Record ACH, PINless debit, and Card/PayFac quarterly volumes in Q4 2025; sequential ACH growth of 14%.","Revenue growth in 2025 not expected to match prior double-digit rates due to lost reseller account and lower rates.","Outlook for 2026: strong double-digit revenue growth, new high-volume card programs, PostCredit acquisition leverage."],"consensus_eps_estimate":0.0051,"consensus_eps_actual":-0.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":85393626.0,"consensus_period":"2025-FY","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117511,"accession_number":"0001437749-25-034426","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2025-11-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Usio reports Q3 net loss of $0.4M; ACH revenue up 36% YoY; all-time processing records","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $0.4M (($0.02)/share) vs net income of $2.9M ($0.10) in Q3 2024; adjusted EBITDA $0.4M down from $0.8M.","Revenue slightly down YoY but up $1M sequentially; ACH revenue up 36% YoY for third consecutive quarter.","All-time quarterly records for all ACH processing metrics, credit card volume, PINless debit volume/transactions.","PINless debit transactions up 96% YoY, dollars up 87%; total payment dollars processed up 8% YoY.","Enterprise card customer went live; potential $100M annual recurring volume; $7.7M cash, $0.76M share repurchases YTD."],"consensus_eps_estimate":0.0077,"consensus_eps_actual":-0.04,"consensus_revenue_estimate":null,"consensus_revenue_actual":63150373.0,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133928,"accession_number":"0001437749-25-028037","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2025-08-29T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Usio amends director compensation; sets quarterly cash fee at $2,000 for four directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Brad Rollins, Blaise Bender, Ernesto R. Beyer de la Garza, and Michelle Miller each receive $2,000 quarterly cash compensation.","Audit Committee Chair Blaise Bender gets additional $20,000 for timely, compliant 10-K filing each year.","CPA-licensed non-chair audit committee members receive $5,000 for timely 10-K filing.","Amendments effective August 28, 2025; prior agreements remain in effect as modified."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133927,"accession_number":"0001437749-25-027881","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2025-08-27T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Usio's Compensation Committee approves new RSU and Restricted Stock Award forms under 2025 Equity Plan","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Compensation Committee approved a new form of Restricted Stock Unit Agreement for use under the 2025 Comprehensive Equity Incentive Plan.","Also approved a new form of Restricted Stock Award Agreement for future grants.","Award forms will be used for eligible employees, officers, and directors of the Company.","No specific grants or dollar amounts disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133926,"accession_number":"0001437749-25-027242","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2025-08-18T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Usio enters employment agreement with CAO Michael White effective Aug 18, 2025","summary_kind":"llm","event_type":"leadership","confidence":"medium","bullets":["Agreement sets term through Jan 1, 2027, with automatic one-year renewals unless notice given.","Provides for base salary, bonus, deferred compensation, and standard non-compete/non-solicit clauses.","Deferred compensation payable in 12 monthly installments upon termination without cause or for good reason.","Change of control triggers full vesting of stock options and restricted stock plus deferred compensation.","Specific salary and bonus amounts are not disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133925,"accession_number":"0001437749-25-025069","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2025-08-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Usio reports Q2 net loss of $0.4M; lowers FY25 revenue growth guidance to 5-12%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total payment dollar volume up 15% YoY; ACH electronic check dollar volume increased 19%, transactions up 33%.","Net loss of $0.4M ($0.01 EPS) vs net income of $0.1M a year ago; Adjusted EBITDA $0.5M vs $0.8M.","FY25 revenue growth guidance lowered to 5-12% due to prolonged implementation delays with two large national accounts.","Prepaid card services revenue declined 26% YoY; ACH & complementary services revenue up >30% for second consecutive quarter.","Operating cash flow $1.1M; share repurchases $350k in Q2, over $700k YTD; gross margin expanded 185 bps."],"consensus_eps_estimate":-0.0102,"consensus_eps_actual":-0.02,"consensus_revenue_estimate":null,"consensus_revenue_actual":41970040.0,"consensus_period":"2025-Q2","consensus_source":"xbrl+finnhub","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150670,"accession_number":"0001437749-25-020079","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2025-06-11T23:59:59+00:00","items":["5.07","7.01","9.01"],"status":"ready","headline":"Usio announces shareholder meeting results; director elected, equity plan approved","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elizabeth Michelle Miller elected Class II director with 12,534,631 votes for, 1,481,423 withheld; 4,887,133 broker non-votes.","Advisory say-on-pay vote approved: 12,029,619 for, 1,021,708 against, 964,727 abstain.","2025 Comprehensive Equity Incentive Plan approved: 11,246,673 for, 2,206,436 against, 562,945 abstain.","Ratification of PKF as independent auditor approved: 17,435,039 for, 529,094 against, 939,054 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150669,"accession_number":"0001437749-25-019543","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2025-06-05T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Usio appoints WithumSmith+Brown as new independent auditor after PKF Texas partners join Withum","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["PKF Texas partners became partners of WithumSmith+Brown PC, prompting auditor change.","PKF Texas audit report for FY 2024 had no adverse opinion or qualification.","No disagreements or reportable events in connection with PKF Texas audit through June 2025.","Appointment of Withum approved by audit committee; no prior consultations on accounting matters.","Usio provided PKF Texas disclosures; PKF Texas agreed in letter filed as Exhibit 16.1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150668,"accession_number":"0001437749-25-016824","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2025-05-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Usio Q1 2025 revenue $22.0M, record; net loss $0.2M; ACH volume up 42%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Record Q1 revenue of $22.0M; total payment dollars processed up 34% YoY.","Net loss of $0.2M (($0.01)/share) vs. $0.3M loss a year ago; Adjusted EBITDA $0.7M.","ACH electronic check dollar volume up 42%, transactions up 36%; PayFac revenue up 25%.","Prepaid card load volume $98M; Output Solutions revenue up 4%.","Added $0.7M cash to balance sheet; management cites strong implementation pipeline."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":22009050.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169620,"accession_number":"0001437749-25-009348","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2025-03-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Usio reports Q4 GAAP EPS $0.02, full year EPS $0.12; guides 14-16% revenue growth in 2025","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 revenue $20.6M (+2% YoY); full year dollar processing volume $7.1B (+33%) and transactions +26%.","Full year GAAP net income $3.0M ($0.12 EPS) vs $0.2M ($0.01 EPS) in 2023; adjusted EBITDA positive.","Cash on hand rose to record $8.1M at Dec 31, 2024; board authorized new $4M stock repurchase program.","Q4 ACH & complementary services revenue +17% YoY; Card revenue +6%; Output Solutions +13%.","Fiscal 2025 guidance: 14-16% revenue growth and adjusted EBITDA margin of 5-7%, assuming stable economy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169618,"accession_number":"0001437749-25-007038","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K/A","filed_at":"2025-03-11T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Usio promotes Greg Carter to EVP/CRO; CEO Hoch salary to $900k, CAO White to $230k","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Greg Carter promoted to Executive Vice President, Chief Revenue Officer effective March 1, 2025.","Carter's base salary set at $300,000/year; eligible for equity and bonus plans.","CEO Louis Hoch base salary increased to $900,000/year effective March 1, 2025.","CAO Michael White base salary increased to $230,000/year effective March 1, 2025.","Employment agreement amendments executed for Hoch and Carter; White's salary approved by Compensation Committee."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169619,"accession_number":"0001437749-25-006298","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2025-03-05T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Usio sets CEO base salary at $900k, promotes Carter to EVP CRO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Louis Hoch base salary increased to $900,000 per annum, effective March 3, 2025.","Greg Carter promoted to EVP Chief Revenue Officer with $300,000 base salary plus 10% override on direct sales commissions.","SVP/CAO Michael White receives base salary of $230,000 per annum, effective March 3, 2025.","All salary changes approved by Compensation Committee on Feb 20, 2025; documented in employment agreement amendments."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186680,"accession_number":"0001437749-24-033607","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2024-11-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Usio Q3 net income $2.9M ($0.10/shr) vs loss $0.7M YoY; revenue up 2% to $21.3M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 net income $2.9M (incl. $3.2M tax benefit) vs net loss $0.7M YoY; adjusted EBITDA $0.8M vs $0.4M.","Revenue $21.3M (+2% YoY); total payment dollars processed up 46% to $2.0B.","ACH dollar volume +61%; PayFac credit card +27%; prepaid card load record $140M.","Gross margin improved to 23.0% from 22.2%; SG&A down 4%.","Cash $8.4M, up $1.2M YTD; management sees potential >$100M annual revenue run rate for 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":0.1,"consensus_revenue_estimate":null,"consensus_revenue_actual":62371752.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":203239,"accession_number":"0001437749-24-026783","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2024-08-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Usio Q2 revenue down 6% to $20.1M, lowers FY2024 revenue guidance to 3-7%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $0.1M ($0.00 EPS) vs $0.2M ($0.01 EPS) a year ago; adjusted EBITDA $0.8M down from $1.3M.","Total payment dollars processed up 29% YoY to $1.7B; prepaid card load volume up 55% to record $133M.","FY2024 revenue growth guidance lowered to 3-7%; EPS guidance cut to $0.0-$0.03 per share.","FY2024 adjusted EBITDA guidance raised to $4.25M-$5.0M; cash balance $7.5M, up $1.0M YoY.","CEO cites slower PayFac ISV implementations for guidance cut; backlog of $1.4B in potential processing dollars."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":41050274.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219571,"accession_number":"0001437749-24-020777","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2024-06-20T23:59:59+00:00","items":["5.07","7.01","9.01"],"status":"ready","headline":"Usio annual meeting elects two directors, approves compensation and auditor","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["Elected directors Hoch (12.6M for, 179K withheld) and Bender (12.3M for, 458K withheld).","Advisory vote on NEO compensation approved: 11.9M for, 706K against, 174K abstain.","Ratification of PKF as independent auditor for FY2024 approved: 18.7M for, 407K against, 57K abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219570,"accession_number":"0001437749-24-017057","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2024-05-15T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Usio Q1 revenue $20.3M down 5% YoY; net loss $0.3M; reiterates FY revenue growth 10-12%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total payment dollars processed $1.5B, up 19% YoY; ACH revenue up 16%, Credit card revenue up 3% with record volumes.","Net loss of $0.3M ($0.01 per share) vs net income $0.015M a year ago; Adjusted EBITDA $0.1M vs $1.0M.","Cash $7.1M; generated $0.7M interest income in Q1; reduced accounts payable by $1.2M.","Reaffirms FY 2024 guidance of 10-12% revenue growth; entered contract with potential $20M annual recurring revenue."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":20321615.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219569,"accession_number":"0001437749-24-012341","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2024-04-17T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Usio appoints PKF as new auditor after ADKF declines reappointment","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["ADKF declined re-appointment to focus on non-issuer clients; engagement ended immediately.","No disagreements or reportable events in fiscal years 2022 and 2023; audit reports were unqualified.","Audit Committee engaged PKF effective April 12, 2024, as independent auditor for fiscal year 2024.","Company did not consult PKF on accounting principles or any disputed matters prior to engagement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239386,"accession_number":"0001437749-24-009584","cik":1088034,"company_name":"Usio, Inc.","ticker":"USIO","form_type":"8-K","filed_at":"2024-03-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Usio reports record FY2023 revenue of $82.6M (+19% YoY); guides FY2024 revenue growth 10-12%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full year 2023 revenue $82.6M (+19% YoY, 7th consecutive record); Adj. EBITDA $2.4M.","Q4 revenue $19.4M (+4% YoY); net income $0.03M vs loss of $0.15M in Q4 2022.","Prepaid revenues up 105% in FY2023; card load volumes exceeded $100M in Q3 and Q4.","FY2024 guidance: revenue growth 10-12%, Adj. EBITDA $4-4.5M, EPS $0.05-0.07.","Ended FY2023 with $7.2M cash, no significant debt; repurchased $0.6M in shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":40840000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}