Usio (USIO) EVP Greg Carter logs RSU vesting and tax share return

Rhea-AI Filing Summary

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.

Insider Trade Summary

4,000 shares exercised/converted

Mixed 3 txns

Insider Carter Greg M

Role EVP, Payment Acceptance

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units	4,000	$1.34	$5K
Exercise	Common Stock	4,000	$1.34	$5K
Tax Withholding	Common Stock	1,186	$1.34	$2K

Holdings After Transaction: Restricted Stock Units — 30,000 shares (Direct); Common Stock — 458,076 shares (Direct)

Footnotes (1)

1. The reporting person returned 1,186 shares to the issuer at the closing price on 2/21/2026 of 1.34 to cover taxes due. The reporting person received these shares of common stock due to the vesting and subsequent conversion of restricted stock units granted on February 21, 2023, and vested on February 21, 2026.

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
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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^*

Carter Greg M

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, Payment Acceptance

3. Date of Earliest Transaction (Month/Day/Year)
02/21/2026

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
Common Stock	02/21/2026		M		4,000(2)	A	$1.34	458,076	D
Common Stock	02/21/2026		F		1,186(1)	D	$1.34	456,890	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	02/21/2026		M			4,000(2)	02/21/2026	02/21/2033	Restricted Stock Units	4,000	$1.34	30,000	D

Explanation of Responses:

1. The reporting person returned 1,186 shares to the issuer at the closing price on 2/21/2026 of 1.34 to cover taxes due.

2. The reporting person received these shares of common stock due to the vesting and subsequent conversion of restricted stock units granted on February 21, 2023, and vested on February 21, 2026.

	/s/ Greg Carter	02/24/2026
	** 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.

FAQ

What insider transactions did Usio (USIO) report for Greg M. Carter?

Greg M. Carter reported RSU vesting and tax withholding transactions. 4,000 restricted stock units vested and converted into common shares, and 1,186 shares were returned to Usio to cover taxes at a price of $1.34 per share.

How many Usio (USIO) shares did Greg M. Carter acquire from RSU vesting?

He acquired 4,000 Usio common shares from vesting restricted stock units. These RSUs were granted on February 21, 2023, and vested on February 21, 2026, converting into the same number of common shares at a reference price of $1.34.

Why were 1,186 Usio (USIO) shares returned by Greg M. Carter?

Greg M. Carter returned 1,186 Usio shares to the company to cover taxes due on the RSU vesting. The shares were valued at the February 21, 2026 closing price of $1.34 per share, according to the disclosure footnote.

What is Greg M. Carter’s Usio (USIO) share ownership after these transactions?

Following the RSU vesting and tax withholding, Greg M. Carter directly owned 456,890 Usio common shares. His holdings first increased to 458,076 shares after the conversion, then decreased when 1,186 shares were returned to satisfy tax obligations.

What do the Form 4 transaction codes M and F mean for Usio (USIO)?

Code M reflects the exercise or conversion of a derivative security, here RSUs converting into common stock. Code F represents shares withheld or returned to pay the exercise price or related tax liability, rather than an open-market sale transaction.