---
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"
generated_at: "2026-05-15T09:49:43.282331+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-008836
- JSON: https://secwatch.observer/filing/0001437749-26-008836.json
- Plain text: https://secwatch.observer/filing/0001437749-26-008836.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.