[Form 4] Usio, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Usio, Inc. (USIO) director Brad Rollins reported receipt of three separate grants of 7,000 restricted stock units (RSUs) on 08/21/2025. Each tranche vests on sequential anniversaries: one on 08/21/2026, one on 08/21/2027, and one on 08/21/2028, all with an expiration or settlement reference of 08/21/2035. The Form 4 shows the underlying title as Common Stock and lists beneficial ownership figures following each reported grant as 28,000, 35,000, and 42,000 shares respectively. The grants are reported as acquisitions with a $0.00 price per unit.

Positive

• Clear time-based vesting schedule across three tranches (08/21/2026, 08/21/2027, 08/21/2028) supports retention alignment.
• Grants reported at $0.00 as restricted stock units, indicating compensation rather than a cash purchase.

Negative

• Reported grants increase potential outstanding common shares upon vesting as shown by rising beneficial ownership from 28,000 to 42,000 shares.

Insights

Corporate Governance Expert

TL;DR: Director received time-based RSUs in three annual tranches, indicating standard equity compensation and retention alignment.

The filing documents routine, time‑based restricted stock unit grants to a non-employee director on 08/21/2025. Each RSU tranche vests on successive anniversaries (2026, 2027, 2028) and is recorded with $0.00 per unit, consistent with restricted awards rather than purchases. Beneficial ownership totals reported after each grant are explicitly shown as 28,000; 35,000; and 42,000 shares, reflecting the director's aggregate holdings as reported. This is a standard governance disclosure of insider equity grants.

Securities Analyst

TL;DR: Three 7,000 RSU grants were reported, exercisable into common stock by specified vesting dates, with no cash price reported.

The Form 4 registers three acquisitions of 7,000 restricted stock units each, all reported on 08/21/2025 with vesting dates of 08/21/2026, 08/21/2027, and 08/21/2028 and an ultimate date noted as 08/21/2035. Each award shows a price of $0.00 and the underlying security is common stock. The disclosure provides clear, transaction-level detail necessary for tracking insider holdings and potential future share issuance upon vesting.

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^*

Rollins Brad

(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/ Brad Rollins	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 Brad Rollins report on the Form 4 for USIO?

The Form 4 reports three acquisitions of 7,000 restricted stock units (RSUs) each on 08/21/2025, with vesting on 08/21/2026, 08/21/2027, and 08/21/2028.

How many RSUs in total were granted to the reporting person on 08/21/2025?

Three separate grants of 7,000 RSUs were reported, totaling 21,000 RSUs granted on 08/21/2025.

What are the beneficial ownership figures reported after each transaction for USIO?

The Form shows beneficial ownership following each reported grant as 28,000, 35,000, and 42,000 shares respectively.

What price was recorded for the restricted stock units in the Form 4?

Each restricted stock unit is recorded with a price of $0.00 in the filing.

Are the RSUs tied to specific expiration or settlement dates in the filing?

The awards include an ultimate date reference of 08/21/2035 alongside the stated vesting dates.