secwatch.observer — SEC 8-K summary
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Issuer:     Usio, Inc. (USIO)
CIK:        0001088034
Form:       8-K
Filed at:   2025-11-12T23:59:59+00:00
Accession:  0001437749-25-034426
Event type: earnings
Sentiment:  negative
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Usio reports Q3 net loss of $0.4M; ACH revenue up 36% YoY; all-time processing records
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1088034/000143774925034426/0001437749-25-034426-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1088034/000143774925034426/usio20250826_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-034426

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