[Form 4] Usio, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Ernesto R. Beyer, a director of Usio, Inc. (USIO), reported receipt of restricted stock units (RSUs) on 08/21/2025. The filing shows three separate RSU awards of 7,000 shares each granted the same day with vesting dates of 08/21/2026, 08/21/2027 and 08/21/2028. Each RSU tranche is settled into common stock and has a $0.00 per-share price. The filing lists cumulative beneficial ownership after each grant as 28,000, 35,000 and 42,000 shares respectively, held directly. The Form 4 was signed on 08/22/2025.

Insights

Financial Analyst

TL;DR: Director received three annual RSU tranches totaling 21,000 new units; impact on share count is modest and primarily a retention/compensation action.

The Form 4 documents time‑based restricted stock units awarded to a company director. Each tranche vests one, two and three years after grant, indicating standard multi‑year retention alignment without exercise price or cash transfer. The incremental share counts shown after each line imply direct beneficial ownership increases to 28,000 then 35,000 then 42,000 shares. For investors, this is a routine compensation disclosure rather than an active sale or purchase signaling immediate liquidity events or major ownership shifts.

Corporate Governance Expert

TL;DR: Time‑vested RSUs for a director reflect standard governance practice to align incentives; no red flags in the filing.

The structure—three equal RSU tranches with staggered vesting and $0.00 price—matches common practices for director compensation and retention. The direct ownership reporting is clear and the Form 4 is properly executed the day after the transaction date. The disclosure does not show sales, transfers, or derivative transactions that would raise governance concerns.

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

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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^*

Beyer del la Garza Ernesto R

(Last) (First) (Middle)

3611 PAESANOS PARKWAY

SUITE 300

(Street)

SAN ANTONIO TX 78231

(City) (State) (Zip)

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

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

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/21/2025

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

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

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

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

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
Restriced Stock Units	$0.0000	08/21/2025		A		7,000(1)		08/21/2026	08/21/2035	Common Stock	7,000	$0.0000	28,000	D
Restriced Stock Units	$0.0000	08/21/2025		A		7,000(2)		08/21/2027	08/21/2035	Common Stock	7,000	$0.0000	35,000	D
Restriced Stock Units	$0.0000	08/21/2025		A		7,000(3)		08/21/2028	08/21/2035	Common Stock	7,000	$0.0000	42,000	D

Explanation of Responses:

1. Restricted Stock Units vests on 08/21/2026.

2. Restricted Stock Units vests on 08/21/2027.

3. Restricted Stock Units vests on 08/21/2028.

	/s/ Ernesto Beyer	08/22/2025
	** 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.
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FAQ

What did Ernesto R. Beyer report on Form 4 for USIO?

The filing reports three grants of 7,000 restricted stock units each on 08/21/2025, with staggered vesting in 2026, 2027 and 2028.

How many shares will vest and when for the RSUs reported by USIO director?

Each tranche vests one year apart: 7,000 RSUs vest 08/21/2026, 7,000 RSUs vest 08/21/2027, and 7,000 RSUs vest 08/21/2028.

What is the price per share for the RSUs reported by Ernesto Beyer?

The RSUs are reported with a per‑share price of $0.00, indicating restricted units rather than a cash purchase.

How did the reported beneficial ownership change after the transactions?

The Form 4 shows cumulative direct beneficial ownership increasing to 28,000, then 35,000, and then 42,000 shares following each reported grant line.

When was the Form 4 signed and filed for the USIO transaction?

The Form 4 is signed by Ernesto Beyer on 08/22/2025, with the transactions dated 08/21/2025.