Usio, Inc. (USIO) — SEC Filings
Usio, Inc. (USIO) — 24 SEC filings. Latest: 10-Q (Nov 12, 2025). Includes 9 8-K, 6 10-Q, 2 DEF 14A.
Overview
Usio, Inc. (USIO) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 12, 2025: Usio, Inc. reported a net loss of $415,086 for the three months ended September 30, 2025, a significant decline from the net income of $2,851,267 in the same period of 2024. For the nine months ended September 30, 2025, the company posted a net loss of $1,016,710, compared to a net income of $2,676,
Sentiment Summary
Across 24 filings, the sentiment breakdown is: 2 bullish, 2 bearish, 20 neutral. The dominant filing sentiment for Usio, Inc. is neutral.
Filing Type Overview
Usio, Inc. (USIO) has filed 6 10-Q, 9 8-K, 1 DEFA14A, 2 DEF 14A, 2 10-K, 1 8-K/A, 2 SC 13G/A, 1 SC 13G with the SEC between Feb 2024 to Nov 2025.
Filings by Year
Recent SEC Filings (24)
Risk Profile
Risk Assessment: Of USIO's 21 recent filings, 2 were flagged as high-risk, 10 as medium-risk, and 9 as low-risk. The overall risk profile suggests moderate risk with a balanced mix of positive and cautionary disclosures.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $21,180,333 |
| Net Income | -$415,086 |
| EPS | N/A |
| Debt-to-Equity | 4.32 |
| Cash Position | $7,746,456 |
| Operating Margin | -2.2% |
| Total Assets | $99,401,100 |
| Total Debt | $80,712,546 |
Key Executives
- Louis Hoch
- COLLIN MCBIRNEY
Industry Context
Usio, Inc. operates in the payment processing and financial technology sector, a highly competitive and rapidly evolving industry. Key trends include the increasing demand for digital payment solutions, the rise of fintech innovations, and a growing focus on regulatory compliance and data security. Companies in this space face pressure to innovate, manage transaction volumes efficiently, and maintain robust security protocols.
Top Tags
corporate-governance (6) · financials (6) · financial-reporting (4) · earnings (3) · Net Loss (2) · Payment Processing (2) · Financial Performance (2) · officer-changes (2) · board-of-directors (2) · 10-Q (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Loss (Q3 2025) | $415,086 | Shift from $2,851,267 net income in Q3 2024 |
| Net Loss (9 Months 2025) | $1,016,710 | Shift from $2,676,572 net income in 9 Months 2024 |
| Revenue (Q3 2025) | $21,180,333 | Slight decrease from $21,321,478 in Q3 2024 |
| Revenue (9 Months 2025) | $63,150,373 | Increase from $62,371,752 in 9 Months 2024 |
| Federal Income Tax Benefit (Q3 2024) | $3,186,053 | Absence in Q3 2025 contributed to net loss |
| Cash and Cash Equivalents (Sept 30, 2025) | $7,746,456 | Decrease from $8,056,891 at Dec 31, 2024 |
| Prepaid Card Load Assets (Sept 30, 2025) | $9,387,387 | Significant decrease from $25,648,688 at Dec 31, 2024 |
| Operating Loss (Q3 2025) | $464,171 | Widened from $376,650 in Q3 2024 |
| Outstanding Common Shares (Nov 10, 2025) | 27,307,839 | Indicates share count |
| Accumulated Deficit (Sept 30, 2025) | $69,049,366 | Increased from $68,032,656 at Dec 31, 2024 |
| Net Loss | $3.8M | Increased from $3.3M in prior year, indicating widening losses. |
| Accumulated Deficit | $59.9M | Grew from $59.3M, reflecting ongoing unprofitability. |
| Total Assets | $30.2M | Slight increase from $29.9M, but overall asset base remains modest. |
| Common Shares Outstanding | 30.2M | Increased from 29.9M, potentially diluting existing shareholders. |
| Share-based Compensation | $55,228 | Nearly doubled from $27,615, indicating higher equity incentives. |
Frequently Asked Questions
What are the latest SEC filings for Usio, Inc. (USIO)?
Usio, Inc. has 24 recent SEC filings from Feb 2024 to Nov 2025, including 9 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of USIO filings?
Across 24 filings, the sentiment breakdown is: 2 bullish, 2 bearish, 20 neutral. The dominant sentiment is neutral.
Where can I find Usio, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Usio, Inc. (USIO) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Usio, Inc.?
Key financial highlights from Usio, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for USIO?
The investment thesis for USIO includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Usio, Inc.?
Key executives identified across Usio, Inc.'s filings include Louis Hoch, COLLIN MCBIRNEY.
What are the main risk factors for Usio, Inc. stock?
Of USIO's 21 assessed filings, 2 were flagged high-risk, 10 medium-risk, and 9 low-risk.
What are recent predictions and forward guidance from Usio, Inc.?
Forward guidance and predictions for Usio, Inc. are extracted from SEC filings as they are enriched.