secwatch.observer — SEC 8-K summary
======================================

Issuer:     Usio, Inc. (USIO)
CIK:        0001088034
Form:       8-K
Filed at:   2025-03-26T23:59:59+00:00
Accession:  0001437749-25-009348
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Usio reports Q4 GAAP EPS $0.02, full year EPS $0.12; guides 14-16% revenue growth in 2025
--------------------------------------------------------------------------------

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1088034/000143774925009348/0001437749-25-009348-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1088034/000143774925009348/usio20240924_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-009348

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer