{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-034426","form_type":"8-K","ticker":"USIO","cik":"0001088034","company_name":"Usio, Inc.","filed_at":"2025-11-12T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.764676+00:00","generated_at":"2026-05-16T20:53:23.739692+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Usio reports Q3 net loss of $0.4M; ACH revenue up 36% YoY; all-time processing records","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-034426","json":"https://secwatch.observer/filing/0001437749-25-034426.json","markdown":"https://secwatch.observer/filing/0001437749-25-034426.md","text":"https://secwatch.observer/filing/0001437749-25-034426.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1088034/000143774925034426/0001437749-25-034426-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1088034/000143774925034426/usio20250826_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T20:53:23.739692+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"}