{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-009348","form_type":"8-K","ticker":"USIO","cik":"0001088034","company_name":"Usio, Inc.","filed_at":"2025-03-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.901262+00:00","generated_at":"2026-05-24T04:44:36.301065+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Usio reports Q4 GAAP EPS $0.02, full year EPS $0.12; guides 14-16% revenue growth in 2025","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-009348","json":"https://secwatch.observer/filing/0001437749-25-009348.json","markdown":"https://secwatch.observer/filing/0001437749-25-009348.md","text":"https://secwatch.observer/filing/0001437749-25-009348.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1088034/000143774925009348/0001437749-25-009348-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1088034/000143774925009348/usio20240924_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T04:44:36.301065+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"}