Every 8-K that Usio, Inc. (USIO) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow USIO and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full USIO filings page.
Usio, Inc. reported strong second quarter 2026 results, with revenue of $23.7 million, up 19% from the prior-year quarter, led by growth in Card, ACH and Output Solutions. GAAP net income was approximately $0.3 million, or $0.01 per share, compared to a net loss of ($0.4) million, or ($0.01) per share, a year earlier.
Adjusted EBITDA rose to $1.1 million, up 128% year over year, and Adjusted EBITDA margin improved to 4.8%. Total payment dollars processed reached $2.47 billion, up 27%, with total transactions up 27%. Management raised full-year 2026 revenue guidance, now expecting revenues to be up 14–16% versus the prior year, compared with previous guidance of 10–12%. Operating cash flow for the first half declined to $0.3 million, and cash and cash equivalents were $6.4 million at June 30, 2026 after share repurchases and one-time cash outlays.
Usio, Inc. reported changes to executive compensation. On June 11, 2026, the board’s Compensation Committee approved a new annual base salary of $995,000 for Chairman, President and CEO Louis Hoch, effective August 3, 2026.
The committee also approved an annual base salary of $325,000 for Senior Vice President and Chief Accounting Officer Greg Carter and $260,000 for Senior Vice President and Chief Accounting Officer Michael White, each effective August 3, 2026. These executives remain eligible for grants under the company’s equity incentive programs, annual bonus plans, and standard employee benefits.
Usio, Inc. amended and restated its bylaws, designating Nevada state courts as the exclusive forum for most internal corporate disputes and U.S. federal district courts as the exclusive forum for Securities Act claims, subject to law. The company also made clarifying changes to officer titles.
At the annual meeting, stockholders elected Class III directors Ernesto R. Beyer and Bradley Rollins. They approved, on a non-binding basis, executive compensation and ratified Withum Smith+Brown, P.C. as independent auditor for the fiscal year ending December 31, 2026. Voting was based on 27,621,564 shares entitled to vote, with 19,455,022 shares present or represented.
Usio, Inc. reported governance changes and voting results from its annual stockholder meeting. The board amended and restated the company’s bylaws to add detailed advance notice procedures for stockholder proposals and director nominations, generally requiring notice 90 to 120 days before the anniversary of the prior annual meeting. The revised bylaws also incorporate SEC “universal proxy” rules, permit stockholder meetings by remote communication, and allow director written consents to be delivered electronically.
At the meeting, 27,621,564 shares were entitled to vote and 19,455,022 shares were present or represented by proxy, including 6,570,848 broker non-votes. Stockholders elected Class III directors Ernesto R. Beyer and Bradley Rollins, approved on an advisory basis the 2025 executive compensation program, and ratified the appointment of Withum Smith+Brown, P.C. as independent registered public accounting firm for the fiscal year ending December 31, 2026.
Usio, Inc. reported a record first quarter for 2026, with revenue of $25.5 million, up 16% from $22.0 million a year earlier, driven by growth across most business lines except prepaid and interest income. Total payment dollars processed reached $2.50 billion, up 28%, and transactions climbed to 16.8 million, up 22%.
ACH and complementary services revenue rose 25% to $6.3 million, credit card revenue grew 23% to $9.7 million, and Output Solutions revenue increased 19% to $6.8 million, while prepaid card services declined 18%. Gross profit increased to $5.1 million, though gross margin eased to 20.2% from 21.9% on lower high-margin interest income and mix.
Usio generated operating income of $0.2 million, compared with a ($0.2) million operating loss in the prior-year quarter, and reported net income of $0.1 million, or $0.00 per share, versus a net loss of ($0.2) million, or ($0.01) per share. Adjusted EBITDA improved to $0.8 million from $0.7 million, and operating cash flow was $0.9 million. Cash and cash equivalents were $7.7 million at March 31, 2026, up $0.3 million after repurchasing 182,000 shares of common stock.
Usio, Inc. reported record 2025 processing metrics with modest revenue growth but weaker profitability. Revenue reached $85.4 million, up 3% from 2024, driven by a 33% increase in ACH and complementary services and steady credit card and Output Solutions performance, partially offset by a 22% decline in prepaid card revenue.
Fourth quarter 2025 revenue was $22.2 million, up 8% year over year, yet gross margins compressed to 21.9% in the quarter and 23.1% for the year due to mix shifts and lower interest income. Usio posted a 2025 net loss of $2.5 million, or $(0.09) per share, versus net income of $3.3 million, or $0.12 per share, in 2024, reflecting higher operating costs and the absence of prior-year tax benefits and employee retention credits.
Adjusted EBITDA declined to $1.3 million from $2.9 million, though cash flow from operations remained positive at $1.5 million and the company repurchased $1.1 million of stock. Management issued 2026 guidance for 10–12% revenue growth and continued positive Adjusted EBITDA, assuming no major deterioration in economic conditions.
Usio, Inc. filed a current report describing that on January 21, 2026 it issued an annual letter to its shareholders, which is furnished as Exhibit 99.1. The letter includes forward-looking statements about the company’s business, technology progress, growth and future financial performance, identified by terms such as “believe,” “expect,” and “anticipate.” These statements are described as subject to risks including technology changes, regulatory compliance, relationships with banking partners and card associations, exposure to credit and fraud risks, data breaches, software failures, and broader uncertainties such as pandemic effects, as previously outlined in Usio’s Form 10-K for the year ended December 31, 2024.
Usio, Inc. (USIO) filed an 8-K stating it furnished a press release announcing financial results for the quarter ended September 30, 2025. The press release is included as Exhibit 99.1 and, as noted, the information is furnished and not deemed “filed” for purposes of Section 18 of the Exchange Act.
The filing also includes forward‑looking statements with customary risk factors, referencing the company’s Form 10‑K for the year ended December 31, 2024 for additional risks.
Usio, Inc. amended independent director agreements on August 28, 2025, to set standard quarterly cash compensation of $2,000 for four non-employee directors: Brad Rollins, Blaise Bender, Ernesto R. Beyer de la Garza, and Michelle Miller. In addition, as Audit Committee Chair, Mr. Bender will receive a $20,000 payment upon the timely and compliant filing of the company's annual Form 10-K (including SEC-granted extensions). The filing notes that full amendment texts are filed as exhibits and that the summary here is qualified by those documents. No changes to executive officers, major transactions, earnings, or financial statements are disclosed in this report.
On August 27, 2025, the Compensation Committee of Usio, Inc. approved a new form of Restricted Stock Unit Agreement for use under the company's 2025 Comprehensive Equity Incentive Plan. The RSU Agreement will be used for future grants of restricted stock units to eligible employees, officers, and directors. A copy of the form of the RSU Agreement is attached as Exhibit 10.1 and is incorporated by reference. No financial terms, grant sizes, or specific participants were disclosed in the report.
Usio, Inc. reported that effective August 18, 2025 it entered into an employment agreement with Michael White, who will serve as Senior Vice President and Chief Accounting Officer. The filing states the description is not complete and refers readers to the full employment agreement filed as Exhibit 10.1 to the Current Report, which is incorporated by reference. The report is a Form 8-K disclosure of an officer appointment and the related employment contract; no financial statements, compensation details, or other terms are provided in the text of this filing.