UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): ~~December~~January 1122, ~~2025~~2026

MITEK SYSTEMS, INC.

(Exact name of registrant as specified in its charter)


Delaware		001-35231	87-0418827
(State or other jurisdiction of incorporation)		(Commission File Number)	(IRS Employer Identification No.)

770 First Avenue, Suite 425
San Diego,	California		92101
(Address of principal executive offices)			(Zip Code)

Registrant’s telephone number, including area code: (619) 269-6800

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2. below):


☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, par value $0.001 per share	MITK	NASDAQ Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).


Emerging growth company			☐


If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.			☐

Item 2.0203. ~~Results~~Creation of ~~Operations~~a ~~and~~Direct Financial ~~Condition~~Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

On ~~December 11~~January 21, ~~2025~~2026, Mitek Systems, Inc. (the “Company”) ~~issued~~borrowed a$50,000,000 ~~press~~under ~~release~~its ~~announcing~~delayed draw term loan facility established under that certain Loan and Security Agreement, dated February 13, 2024, by and among the Company’s, ~~financial~~A2iA ~~results~~Corp., ~~for~~ID ~~the~~R&D, ~~fourth~~Inc. ~~fiscal~~and ~~quarter~~Silicon Valley Bank, a division of First-Citizens Bank & Trust Company, as amended by that certain First Amendment to Loan and ~~fiscal~~Security ~~year~~Agreement, ~~ended~~dated ~~September~~May 307, 2025 (collectively, the “Credit Agreement”). AThe ~~copy~~Company plans to use the proceeds to provide additional liquidity and preserve financial flexibility in anticipation of the maturity of the Company’s ~~press~~0.750% ~~release~~Convertible isSenior ~~attached~~Notes ~~hereto~~due asFebruary ~~Exhibit 99.~~1, 2026, including the potential repayment of such notes at maturity and ispayment ~~incorporated~~of ~~herein~~customary byfees ~~reference~~and expenses in connection therewith. The term loan bears interest at a variable rate equal to (a) term SOFR plus a specified margin or (b) WSJ prime plus a specified margin, in each case which will be adjusted based on the Company’s net leverage ratio.

InFor ~~accordance~~a ~~with~~description ~~General Instruction B.2~~ of ~~Form 8-K,~~ the ~~information~~material interms ~~Item 2.02~~ of ~~this~~the ~~Current~~Credit ~~Report on Form 8-K~~Agreement, ~~including~~refer ~~Exhibit~~to ~~99.1,~~Note ~~shall~~8 ~~not be deemed~~ “~~filed~~Debt” ~~for~~to ~~purposes~~the ofconsolidated ~~Section~~financial 18statements ofincluded ~~the~~in ~~Securities~~Item ~~Exchange~~8 ~~Act~~ of ~~1934,~~Part asII ~~amended~~of (the ~~“Exchange~~Company’s ~~Act”),~~Annual orReport ~~otherwise~~on ~~subject~~Form to10-K ~~the~~filed ~~liability~~with ofthe ~~that~~U.S. ~~section,~~Securities and ~~shall~~Exchange ~~not~~Commission beon ~~incorporated~~December ~~by reference into any registration statement or other document filed under the Securities Act of 1933~~11, ~~as amended~~2025, orwhich ~~the~~is ~~Exchange~~incorporated ~~Act, except as shall be expressly set forth~~ by ~~specific~~ reference ~~in such filing~~.

Item 9.01. Financial Statements and Exhibits.

Exhibit Number						Description
99.1						Press Release issued by Mitek Systems, Inc. on December 11, 2025
104						Cover Page Interactive Data File, formatting Inline Extensible Business Reporting Language (iXBRL)

(d) Exhibits.


Exhibit Number						Description
104						Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

	Mitek Systems, Inc.
December 11, 2025	By:	/s/ Dave Lyle
January 22, 2026	By:	/s/ David Lyle
		Dave Lyle
		David Lyle
		Chief Financial Officer

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