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. director Elizabeth Michelle Miller exercised restricted stock units and received additional common shares as part of her equity compensation. On March 16, 2026, 2,000 restricted stock units vested and converted into 2,000 shares of common stock at a reference price of $1.21 per share. Of these, 500 shares were returned to Usio at $1.21 to satisfy tax obligations. Following the transactions, she directly holds 64,194 shares of common stock and 35,000 restricted stock units.
Usio, Inc. director Brad Rollins exercised restricted stock units and received 7,000 shares of common stock. These shares came from the vesting and conversion of restricted stock units granted on March 16, 2023 and March 16, 2026. After the transaction, he directly holds 136,667 shares of common stock and 35,000 restricted stock units. The filing shows a compensation-related equity award, not an open-market purchase or sale.
Usio, Inc. director Ernesto R Beyer del la Garza acquired 7,000 shares of common stock on March 16, 2026 through the vesting and conversion of restricted stock units granted on March 16, 2023 at $1.21 per unit. Following this compensation-related event, he holds 92,666 shares of common stock and 35,000 restricted stock units directly.
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. is a cloud-based fintech payment processor focused on ACH, card-based payments, prepaid cards and electronic/paper billing for U.S. merchants across many verticals. The company emphasizes integrated solutions such as PayFac-in-a-Box, its UsioCard prepaid platform, and Output Solutions for print, mail and electronic presentment.
In 2025, Usio advanced its “Usio One” strategy to unify onboarding, reporting, fraud monitoring and sales, aiming to cross-sell all payment and disbursement products from a single hub. It acquired PostCredit to enter expense management integrated with ERP systems and launched innovations such as wearable prepaid devices and expanded Consumer Choice disbursement options. Usio reported a $2.5 million net loss in 2025 after $3.3 million net income in 2024, with an accumulated deficit of $70.5 million, cash and equivalents of $7.4 million, and operating cash flow of $1.5 million. As of March 16, 2026, common shares outstanding were 27,746,208. Key risks include cybersecurity threats, complex and evolving payments regulation, intense competition, dependence on banking partners and card networks, the need for additional financing, exposure to fraud and chargebacks, and reliance on Chairman and CEO Louis A. Hoch.
National Services, Inc., a more than 10% owner of Usio, Inc., reported amended insider transactions showing open-market sales of common stock. It sold 10,000 shares at $1.2742 per share on March 10, 2026 and 8,860 shares at $1.3094 per share on March 9, 2026.
After these sales, National Services, Inc. directly held 2,721,272 shares of Usio common stock, which includes 7,420 shares held by the sole shareholder of the reporting person. The amendment states it is filed solely to indicate that National Services, Inc. is no longer subject to Section 16.
National Services, Inc., a more than ten percent owner of Usio, Inc., reported open-market sales of Usio common stock on two consecutive days. It sold 10,000 shares at an average price of $1.2742 per share on March 10, 2026, and 8,860 shares at $1.3094 per share on March 9, 2026, for total sales of 18,860 shares. After these transactions, National Services directly owns 2,721,272 shares of Usio common stock, which includes 7,420 shares held by the sole shareholder of National Services.
Usio, Inc. senior vice president and chief product officer Frost Houston Korth acquired shares through the vesting of restricted stock units. On February 21, 2026, 4,000 restricted stock units vested and converted into 4,000 shares of common stock at $1.34 per share. Following these transactions, Korth directly held 26,000 restricted stock units and 721,108 shares of Usio common stock.
National Services, Inc., a 10% owner of Usio, Inc., reported open-market sales of a total of 9,484 shares of Usio common stock over two days. The shares were sold at prices of $1.3466 and $1.3751 per share, leaving 2,740,132 shares held directly afterward, including 7,420 shares held by the sole shareholder of National Services, Inc.
Usio, Inc. executive Greg M. Carter, EVP of Payment Acceptance, reported the vesting of 4,000 restricted stock units on February 21, 2026, which were converted into 4,000 shares of common stock at $1.34 per share. After this conversion, he directly owned 458,076 common shares. To cover taxes on the vesting, he returned 1,186 common shares to the company at the same $1.34 closing price, leaving him with 456,890 directly owned common shares.