{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-008836","form_type":"8-K","ticker":"USIO","cik":"0001088034","company_name":"Usio, Inc.","filed_at":"2026-03-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.522858+00:00","generated_at":"2026-05-15T09:49:43.282331+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Usio Q4 revenue $22.2M (+8% YoY); net loss $1.5M; guides 10-12% revenue growth for 2026","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-008836","json":"https://secwatch.observer/filing/0001437749-26-008836.json","markdown":"https://secwatch.observer/filing/0001437749-26-008836.md","text":"https://secwatch.observer/filing/0001437749-26-008836.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1088034/000143774926008836/0001437749-26-008836-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1088034/000143774926008836/usio20251119_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T09:49:43.282331+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"}