Usio (USIO) SVP gains 6,000 shares from RSU vesting, returns 1,779 for taxes

Rhea-AI Filing Summary

Usio, Inc. senior vice president and chief accounting officer Michael Joseph White reported routine equity compensation activity. On June 21, 2026, restricted stock units vested and converted into 6,000 shares of common stock at a reference price of $1.82 per share. Of these, 1,779 shares were returned to Usio at $1.82 to cover taxes due, leaving a net increase of 4,221 shares. Following these transactions, he directly held 321,958 shares of Usio common stock.

Insider Trade Summary

6,000 shares exercised/converted

Mixed 3 txns

Insider White Michael Joseph

Role SVP, Chief Accounting Officer

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units	6,000	$1.82	$11K
Exercise	Common Stock	6,000	$1.82	$11K
Tax Withholding	Common Stock	1,779	$1.82	$3K

Holdings After Transaction: Restricted Stock Units — 39,000 shares (Direct, null); Common Stock — 323,737 shares (Direct, null)

Footnotes (1)

1. The reporting person received these shares of common stock due to the vesting and subsequent conversion of restricted stock units granted on 06/21/2024 and vested 06/21/2026. The reporting person returned 1779 shares to the issuer on 06/21/2026 at the closing price of 1.82 to cover taxes due.

Key Figures

RSU vesting into shares: 6,000 shares Shares returned for taxes: 1,779 shares at $1.82 Net shares gained from event: 4,221 shares +2 more

5 metrics

RSU vesting into shares 6,000 shares Restricted stock units converted to common stock on June 21, 2026

Shares returned for taxes 1,779 shares at $1.82 Returned to issuer on June 21, 2026 to cover tax liability

Net shares gained from event 4,221 shares Difference between 6,000 vested and 1,779 returned for taxes

Post-transaction holdings 321,958 shares Common stock directly owned after June 21, 2026 transactions

Reference price per share $1.82 per share Closing price used for tax-withholding share return

Key Terms

Restricted Stock Units, tax-withholding disposition, derivative exercise/conversion, Exercise or conversion of derivative security, +1 more

5 terms

Restricted Stock Units financial

"The reporting person received these shares of common stock due to the vesting and subsequent conversion of restricted stock units"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

tax-withholding disposition financial

"transaction_action": "tax-withholding disposition""

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

derivative exercise/conversion financial

"transaction_action": "derivative exercise/conversion""

Exercise or conversion of derivative security financial

"transaction_code_description": "Exercise or conversion of derivative security""

returned 1779 shares to the issuer financial

"The reporting person returned 1779 shares to the issuer on 06/21/2026 at the closing price of 1.82 to cover taxes due"

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Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

White Michael Joseph

(Last) (First) (Middle)

3611 PAESANOS PARKWAY

SUITE 300

(Street)

SAN ANTONIO TEXAS 78231

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Usio, Inc. [ USIO ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SVP, Chief Accounting Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/21/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)
06/22/2026

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	06/21/2026		M		6,000(1)	A	$1.82	323,737	D
Common Stock	06/21/2026		F		1,779(2)	D	$1.82	321,958	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	$0.0000	06/21/2026		M			6,000(1)	06/21/2026	06/21/2034	Common Shares	6,000	$1.82	39,000	D

Explanation of Responses:

1. The reporting person received these shares of common stock due to the vesting and subsequent conversion of restricted stock units granted on 06/21/2024 and vested 06/21/2026.

2. The reporting person returned 1779 shares to the issuer on 06/21/2026 at the closing price of 1.82 to cover taxes due.

	/s/ Michael White	06/23/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transactions did Usio (USIO) report for Michael Joseph White?

Usio reported that SVP and chief accounting officer Michael Joseph White had 6,000 restricted stock units vest into common shares, then returned 1,779 shares to the company to cover taxes, resulting in a net increase of 4,221 shares held.

How many Usio (USIO) shares did Michael Joseph White acquire through RSU vesting?

Michael Joseph White acquired 6,000 Usio common shares when his restricted stock units vested on June 21, 2026. These shares came from equity compensation rather than open-market purchases, reflecting routine stock-based compensation for a senior executive.

Why did Michael Joseph White return 1,779 Usio (USIO) shares to the company?

He returned 1,779 shares to Usio on June 21, 2026 at a price of $1.82 per share to cover taxes due on the vesting of his restricted stock units, a common tax-withholding mechanism rather than an open-market sale.

What is Michael Joseph White’s Usio (USIO) shareholding after these transactions?

After the June 21, 2026 vesting and tax-withholding transactions, Michael Joseph White directly held 321,958 shares of Usio common stock, as reported in the filing. This reflects his updated ownership position following the equity compensation event.

Were Michael Joseph White’s Usio (USIO) transactions open-market buys or sells?

The transactions were not open-market trades. They involved the vesting and conversion of 6,000 restricted stock units into common shares and the return of 1,779 shares to Usio to cover tax obligations, categorized as a tax-withholding disposition.

What does the Form 4/A for Usio (USIO) indicate about derivative exercises?

The Form 4/A shows a derivative exercise where 6,000 restricted stock units converted into Usio common shares on June 21, 2026 at a reference price of $1.82 per share, representing routine equity compensation for the executive.