Welcome to our dedicated page for Usio SEC filings (Ticker: USIO), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Usio, Inc. (Nasdaq: USIO) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as filed with the U.S. Securities and Exchange Commission. Usio is incorporated in Nevada and operates as a FinTech company with integrated, cloud-based electronic payment and embedded financial solutions, including ACH, credit card, debit/prepaid card processing and Output Solutions. Its SEC filings give investors detailed information about its operations, governance, compensation arrangements and financial reporting.
Among the key documents available are Form 10-K annual reports and Form 10-Q quarterly reports, which describe Usio’s business lines such as ACH and complementary services, credit card processing (including PayFac), prepaid card services and Output Solutions, along with segment revenues and risk factors. Form 8-K current reports provide timely updates on material events, including quarterly financial result announcements, amendments to independent director agreements, adoption of a Restricted Stock Unit Agreement under the company’s 2025 Comprehensive Equity Incentive Plan, and employment agreements with senior officers.
Investors can also review proxy statements for information on board structure and executive compensation, and Form 4 insider transaction reports to track equity transactions by officers, directors and significant shareholders. Stock Titan enhances these filings with AI-powered summaries that explain complex sections, highlight key changes, and help users quickly identify items such as revenue trends, compensation arrangements, and governance updates relevant to Usio’s payment and Output Solutions businesses.
Filings are updated in near real time as they appear on the SEC’s EDGAR system, allowing users to monitor new 8-Ks, 10-Qs, 10-Ks and other forms for Usio, Inc. and to understand how regulatory disclosures align with the company’s public statements about its ACH, card processing, prepaid and document services operations.
Usio, Inc. (USIO) reported an insider stock sale by major shareholder National Services, Inc. The Form 4 shows National Services, a 10% owner, sold 5,408 shares of Usio common stock on January 13, 2026 at a price of $1.3632 per share. On January 14, 2026, it sold an additional 2,112 common shares at $1.3733 per share.
After these sales, National Services beneficially owned 2,805,652 Usio common shares. This beneficial ownership figure includes 7,420 shares held by the sole shareholder of National Services, as noted in the filing.
Usio, Inc. senior vice president and chief accounting officer Michael Joseph White reported the vesting of restricted stock units and related share issuance. On January 9, 2026, 1,200 restricted stock units granted on January 9, 2023 vested and converted into 1,200 shares of common stock at a reported price of $1.38 per share. Following this transaction, he beneficially owned 267,737 shares of common stock directly and 30,000 restricted stock units directly, reflecting ongoing equity-based compensation rather than an open-market purchase or sale.
A shareholder in USIO has filed a notice of intent to sell up to 349,610 shares of common stock under Rule 144. The planned sale is to be executed through Raymond James & Associates, Inc. on the Nasdaq, with an approximate sale date of 01/12/2026 and an aggregate market value of 489,454. The issuer has 27,307,839 shares outstanding of the same class of common stock. The seller acquired these 349,610 shares in an open market purchase on 10/01/2024, paid in cash on that date.
A shareholder of USIO has filed a notice of proposed sale of up to 349,610 shares of common stock, with an aggregate market value of 489,454. The shares are expected to be sold through Raymond James & Associates, Inc. on or around 01/12/2026 on the Nasdaq exchange.
The securities being sold were previously acquired as open market purchases on 10/01/2024, paid for in cash. The filer also represents that they do not know of any material adverse, non-public information about USIO’s current or prospective operations.
Usio, Inc. reported third‑quarter results with revenue of $21,180,333, essentially flat year over year. Gross profit was $4,870,019 and the company posted an operating loss of $464,171 and a net loss of $415,086, or $0.02 per share. For the first nine months, revenue rose to $63,150,373 with an operating loss of $1,100,725.
Segment trends were mixed: ACH and complementary services grew, while prepaid card services and Output Solutions softened. Cash and cash equivalents were $7,746,456 and stockholders’ equity was $18,688,554. The company recorded a $115,000 legal settlement related to Triple Pay Play that reduced SG&A in the quarter. In the KDHM matter, an appellate court reversed a prior judgment on one claim and remanded others; KDHM has filed a petition for review in the Texas Supreme Court. Liquidity tools include an undrawn $475,000 revolving line of credit and a $474,229 letter of credit. As of November 10, 2025, common shares outstanding were 27,307,839.
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.
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Houston Frost, Senior Vice President and Chief Product Officer of Usio, Inc. (USIO), reported transactions dated 08/21/2025. He acquired 50,000 shares of Common Stock at a price of $1.44 per share, bringing his direct beneficial ownership to 717,108 shares. On the same date he was granted three tranches of 6,000 Restricted Stock Units (RSUs) each that vest on 08/21/2026, 08/21/2027, and 08/21/2028, respectively; an additional grant of 6,000 RSUs vests on 08/21/2035 or upon a change in control as noted. The Form 4 is signed and dated 08/25/2025.
Usio, Inc. director Blaise Bender received three awards of restricted stock units (RSUs) on 08/21/2025, each for 7,000 underlying shares. The RSUs vest in annual tranches: one on 08/21/2026, the second on 08/21/2027 and the third on 08/21/2028, and each converts into common stock with no cash exercise price. After the three awards, the filing reports 45,200 shares of common stock beneficially owned by Mr. Bender following the final tranche. The Form 4 was signed by Blaise Bender on 08/22/2025.