{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-033607","form_type":"8-K","ticker":"USIO","cik":"0001088034","company_name":"Usio, Inc.","filed_at":"2024-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.629475+00:00","generated_at":"2026-05-30T04:18:42.642837+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Usio Q3 net income $2.9M ($0.10/shr) vs loss $0.7M YoY; revenue up 2% to $21.3M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-033607","json":"https://secwatch.observer/filing/0001437749-24-033607.json","markdown":"https://secwatch.observer/filing/0001437749-24-033607.md","text":"https://secwatch.observer/filing/0001437749-24-033607.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1088034/000143774924033607/0001437749-24-033607-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1088034/000143774924033607/usio20240909_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T04:18:42.642837+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}