Usio, Inc. 8-K

What Happened

• Usio, Inc. (USIO) filed a Form 8-K on January 27, 2026 to furnish its annual letter to shareholders dated January 21, 2026. The letter is provided as Exhibit 99.1 and is disclosed under Item 2.02 (Results of Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure).
• The 8-K notes the letter contains forward‑looking statements (e.g., about growth, commercial operations, technology progress and future financial performance) and refers investors to the company’s Form 10‑K for the year ended December 31, 2024 for additional risk factors.

Key Details

• Date of shareholder letter: January 21, 2026; 8‑K filed January 27, 2026.
• Exhibit provided: Exhibit 99.1 (annual letter to shareholders); Cover Page Interactive Data File included as Exhibit 104.
• Disclosure status: Information in Exhibit 99.1 is furnished, not “filed” for purposes of Section 18 of the Exchange Act (limits certain liabilities).
• Forward‑looking statements: Identified in the letter and subject to risks including security, regulatory compliance, relationships with ACH/bank sponsors and credit card associations, data breaches, fraud, and pandemic uncertainty.

Why It Matters

• For investors, the furnished annual letter is a source of management’s current view on operations, strategy and outlook; it may include commentary on financial condition even though the 8‑K itself does not present detailed financial results.
• Because the letter is furnished (not filed), it provides disclosure without the same Section 18 filing liability; however, its forward‑looking statements remain subject to the listed risks and the company’s disclosures in its 2024 Form 10‑K. Investors should review the Exhibit 99.1 letter and the 10‑K for full context.