Usio Q4 revenue $22.2M (+8% YoY); net loss $1.5M; guides 10-12% revenue growth for 2026

Usio, Inc.

Revenue $22.2M, up 8% YoY; ACH & complementary services up 33% to $6.1M.
Net loss $1.5M ($0.05/share) vs net income $0.6M ($0.02/share) Q4 2024; prior year had $1.5M ERTC.
Adjusted EBITDA negative $0.2M in Q4 vs positive $0.5M year ago; full year 2025 Adj. EBITDA positive.
Guides 10-12% revenue growth for 2026 and continued positive Adjusted EBITDA.
Share repurchases $1.1M in 2025; Q4 bought 206,149 shares at avg $1.46.

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