secwatch.observer — SEC 8-K summary
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Issuer:     Usio, Inc. (USIO)
CIK:        0001088034
Form:       8-K
Filed at:   2026-03-18T23:59:59+00:00
Accession:  0001437749-26-008836
Event type: earnings
Sentiment:  neutral
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1088034/000143774926008836/0001437749-26-008836-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1088034/000143774926008836/usio20251119_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-008836

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