Exhibit 99.1 Usio Inc. Publishes 2025 Annual Letter to Shareholders SAN ANTONIO, January 21, 2026 (GLOBE NEWSWIRE) – Usio, Inc: (Nasdaq: USIO), a leading FinTech company that operates a full stack of integrated, cloud-based electronic payment and embedded financial solutions, has published its 2025 annual shareholder letter from Chairman and CEO, Louis Hoch. The full text of the Letter is provided below. Dear Fellow Shareholder: As we close out another transformative year at Usio, Inc., I am proud to share ...

SAN ANTONIO, Jan. 21, 2026 (GLOBE NEWSWIRE) -- Usio, Inc. (Nasdaq: USIO), a leading FinTech company that operates a full stack of integrated, cloud-based electronic payment and embedded financial solutions, has published its 2025 annual shareholder letter from Chairman and CEO, Louis Hoch. The full text of the Letter is provided below. Dear Fellow Shareholder:As we close out another transformative year at Usio, Inc., I am proud to share our progress and reaffirm our confidence in the strategy that position ...

Core Insights - Usio, Inc. has acquired substantially all assets of PostCredit, a financial technology company, in an all-stock transaction, enhancing its fintech payment and card issuing solutions [2][4] - The acquisition aims to integrate PostCredit's modern expense-management and business-banking platform with Usio's existing payment infrastructure, targeting a broader range of business needs beyond the film industry [3][5] Company Overview - Usio, Inc. is a cloud-based integrated FinTech electronic payment solutions provider, offering a variety of payment solutions including credit, debit/prepaid, and ACH payment processing [7] - The company operates a unique payment facilitation platform as a service, providing tailored solutions for card issuance, payment acceptance, and bill payments [7] Strategic Goals - The acquisition of PostCredit supports Usio's strategy to deliver a comprehensive business-banking and expense-management solution, integrating with payment acceptance services, ACH, real-time payments, and card-issuing programs [4][5] - Usio aims to create a central hub for clients that includes corporate cards, accounts payable, and accounts receivable capabilities, along with integrations with leading accounting systems like QuickBooks [4][5] Market Potential - PostCredit's platform, originally designed for the film industry, is expected to expand its capabilities to serve a wider market, leveraging Usio's infrastructure and product scale [5][6] - The combined offerings are positioned to compete with established players in the fintech space, such as Stripe, Marqeta, and Ramp, by providing a unified solution for business banking and expense management [5]

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Core Insights - Usio Inc reported $21.18 million in revenue for the quarter ended September 2025, reflecting a year-over-year decline of 0.7% and a surprise of -6.03% compared to the Zacks Consensus Estimate of $22.54 million [1] - The EPS for the same period was -$0.02, consistent with the previous year, while the consensus EPS estimate was $0.01, resulting in an EPS surprise of -300% [1] Revenue Breakdown - Revenue from ACH and complementary services was $5.84 million, exceeding the two-analyst average estimate of $5.21 million [4] - Revenue from credit card services was $7.35 million, below the average estimate of $8.1 million [4] - Revenue from prepaid card services was $2.8 million, compared to the average estimate of $3.11 million [4] - Revenue from interest in Output Solutions was $0.05 million, slightly above the average estimate of $0.04 million [4] - Revenue from interest in ACH and complementary services was $0.16 million, below the estimated $0.19 million [4] - Revenue from interest in prepaid card services was $0.14 million, compared to the average estimate of $0.25 million [4] - Revenue from Output Solutions was $4.84 million, below the average estimate of $5.83 million [4] Stock Performance - Usio's shares have returned +2.8% over the past month, while the Zacks S&P 500 composite has changed by +4.6% [3] - The stock currently holds a Zacks Rank 5 (Strong Sell), indicating potential underperformance relative to the broader market in the near term [3]

分组1 - Usio Inc reported a quarterly loss of $0.02 per share, missing the Zacks Consensus Estimate of $0.01, representing an earnings surprise of -300.00% [1] - The company posted revenues of $21.18 million for the quarter ended September 2025, missing the Zacks Consensus Estimate by 6.03% and down from $21.32 million a year ago [2] - Over the last four quarters, Usio has surpassed consensus EPS estimates only once and has not beaten consensus revenue estimates [2] 分组2 - The stock's immediate price movement will depend on management's commentary during the earnings call, with Usio shares gaining about 0.7% year-to-date compared to the S&P 500's gain of 16.4% [3] - The current consensus EPS estimate for the coming quarter is $0.01 on revenues of $23.31 million, and $0.04 on revenues of $87.82 million for the current fiscal year [7] - The Zacks Industry Rank for Financial Transaction Services is in the bottom 32% of over 250 Zacks industries, indicating potential underperformance compared to higher-ranked industries [8]

Financial Data and Key Metrics Changes - Q3 fiscal 2025 saw a record overall transaction volume of $16.2 million, an increase of 8% year-over-year, contributing to a sequential revenue increase of $1.2 million, primarily driven by ACH, which grew 30% year-over-year [3][4] - Adjusted EBITDA for the quarter was $368,000, down from $500,000 in the previous quarter and also down from the previous year [5] - Operating cash flow was $1.4 million, with cash increasing by over $200,000 to over $7.8 million at quarter end [5][6] Business Line Data and Key Metrics Changes - ACH revenues increased by 30% year-over-year, marking the eighth consecutive quarter of growth in electronic check transaction volume [16] - Card Issuing generated sequential volume growth with total dollars loaded exceeding $75 million, and profitability continues to improve [17][18] - Output Solutions saw sequential revenue growth, with electronic-only documents delivered increasing to 20 million pieces, up about 500,000 from a year ago [19][20] Market Data and Key Metrics Changes - The credit card segment processed dollars up 12% and transactions up 75% year-over-year, with PayFac revenues increasing by 32% [8][9] - The mortgage servicing and fintech industries significantly drove growth in the PINless debit offering, which saw transaction growth of 96% and dollar growth of 87% year-over-year [16] Company Strategy and Development Direction - The company is focusing on implementing new clients faster to capitalize on a strong sales pipeline, with a commitment to recurring revenue growth [25][26] - Usio One initiative aims to capture a greater share of electronic payment and printing volume, with a unified platform for customer onboarding [11][12] - The company is exploring new product offerings, including wearables and customized solutions, to enhance its competitive edge [10][11] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the strong processing metrics and recurring revenue, indicating a potential inflection point for growth [22][23] - The company anticipates improved performance in Card Issuing moving forward, with expectations of benefiting from financial assistance programs related to government shutdowns [18][30] - Management emphasized the importance of maintaining pricing discipline while growing transaction volumes [15] Other Important Information - The company has repurchased approximately $750,000 worth of shares year-to-date, with over $3 million remaining on the current repurchase authorization [22][34] - The balance sheet remains strong, allowing for continued investment in organic growth and potential strategic acquisitions [22] Q&A Session Summary Question: Is there a change in sales cycles affecting future opportunities? - Management noted a strong pipeline and is focusing on faster implementations of sold clients, which represent significant volume [25][26] Question: What criteria does the company have for potential M&A transactions? - The company looks for synergy, the right acquisition price, and no existing issues that could distract from organic growth [33] Question: How has the federal government shutdown impacted state or local governments? - The company received inquiries from cities and counties looking to bridge payments during the shutdown, indicating a potential for new business [30][32] Question: Can you clarify the recurring revenue in the ACH business? - Management explained that the current revenue is largely recurring, contrasting with the previous year that included one-time events [43][45] Question: Why did credit card transaction volumes increase significantly while revenues only rose slightly? - Management clarified that transaction metrics include PINless debit, which affects revenue reporting, emphasizing that revenue is primarily driven by dollars processed [50]

Financial Data and Key Metrics Changes - Q3 fiscal 2025 saw a record overall transaction volume of $16.2 million, up 8% year over year, leading to a sequential revenue increase of $1.2 million [3] - Adjusted EBITDA for the quarter was $368,000, down from $500,000 in the previous quarter and also down from a year ago [5] - Operating cash flow for the quarter was $1.4 million, with cash increasing to over $7.8 million at quarter end [5][6] Business Line Data and Key Metrics Changes - ACH revenues increased by 30% year over year, marking the eighth consecutive quarter of growth in electronic check transaction volume [16] - Card processing volumes increased, with credit card segment dollars processed up 12% and transactions processed up 75% year over year [8] - Output Solutions generated sequential revenue growth, with electronic-only documents delivered increasing to 20 million pieces, up about 500,000 from a year ago [19] Market Data and Key Metrics Changes - The company is experiencing strong demand in the mortgage servicing and fintech industries, particularly for its PINLESS Debit offering, which saw a 96% increase in transactions processed [16] - The healthcare market is also a focus, with expectations of significant volume increases from key accounts in the upcoming year [18] Company Strategy and Development Direction - The company is focusing on recurring revenue, with most new and total revenue being recurring in nature [4] - Technology upgrades and new product launches are expected to position the company for accelerated growth [7] - The UCO One initiative aims to capture a greater share of customers' electronic payment and printing volume, with a unified platform for customer onboarding [11] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the strong pipeline of future opportunities and the focus on faster implementations of sold services [25] - The company anticipates a rebound in card issuing performance as comparisons normalize in the upcoming quarters [17] - There is a sense of being on the verge of a potential inflection point, with growing volumes and positive cash flow expected to continue [22][23] Other Important Information - The company has repurchased approximately $750,000 worth of shares year-to-date, with over $3 million remaining on the current repurchase authorization [22][34] - Management is strict about acquisition criteria, focusing on synergy, favorable pricing, and avoiding problematic acquisitions [33] Q&A Session Summary Question: Are there changes in sales cycles affecting future opportunities? - Management noted a strong pipeline and emphasized the focus on implementations rather than sales cycles [25][27] Question: Has the federal government shutdown impacted state or local governments? - Management indicated that they received numerous inquiries from local governments seeking assistance during the shutdown, but some programs may be delayed [30][32] Question: What criteria does the company consider for potential acquisitions? - The company looks for synergy, favorable pricing, and avoids acquisitions with existing issues that could distract from organic growth [33]

Financial Data and Key Metrics Changes - Q3 fiscal 2025 saw a record overall transaction volume of $16.2 million, up 8% year over year, leading to a sequential revenue increase of $1.2 million [3] - Adjusted EBITDA for the quarter was $368,000, down from $500,000 in the second quarter and also down from the previous year [5] - Operating cash flow for the quarter was $1.4 million, with cash increasing by over $200,000 to over $7.8 million at quarter end [5] Business Line Data and Key Metrics Changes - ACH revenues increased by 30% year over year, marking the eighth consecutive quarter of growth in electronic check transaction volume [16] - Card issuing generated sequential volume growth with total dollars loaded exceeding $75 million, and profitability continues to improve [17] - Output Solutions saw sequential revenue growth, with electronic-only documents delivered increasing to 20 million pieces in the quarter [19] Market Data and Key Metrics Changes - The credit card segment processed dollars up 12% and transactions processed up 75% from a year ago, with key payback revenues up 32% [8] - The PINLESS Debit offering set all-time records for both transactions and dollars processed, with growth of 96% for transactions and 87% for dollars processed year over year [16] Company Strategy and Development Direction - The company is focusing on accelerating implementations of new clients to drive volume and recurring revenue [25] - UCO One initiative aims to capture a greater share of customers' electronic payment and printing volume, with a unified platform for customer onboarding [11] - The company is exploring new product offerings, including wearables and customized solutions, to enhance market competitiveness [10] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the strong pipeline of future opportunities and the potential for a rebound in card issuing performance [4][19] - The company anticipates continued cash growth and is positioned to invest in organic expansion and strategic acquisitions [5][21] - Management noted that the recurring nature of revenue is becoming more pronounced, which is expected to support future growth [14] Other Important Information - The company completed share repurchases totaling $750,000 year-to-date, with over $3 million remaining on the current repurchase authorization [21][33] - The company is experiencing a positive momentum with record processing volumes and sustained profitability [5][22] Q&A Session Summary Question: Changes in sales cycles and future opportunities - Management indicated a strong pipeline and focus on faster implementations of sold services, with a rich sales pipeline across divisions [25][26] Question: Impact of federal government shutdown on business - Management noted increased inquiries from local governments seeking assistance during the shutdown, indicating potential business opportunities [29][31] Question: Criteria for potential M&A transactions - The company outlined strict criteria for acquisitions, focusing on synergy, favorable pricing, and avoiding problematic acquisitions [32] Question: Recurring revenue in ACH business - Management clarified that the current revenue is largely recurring, contrasting with the previous year which included one-time events [42][44] Question: Confusion regarding credit card processing volumes and revenues - Management explained that while transaction volumes were up significantly, revenue growth was more modest due to the nature of the transactions processed [49]

Revenue Performance - In Q3 2025, the company's revenues declined by 1% to $21.2 million compared to $21.3 million in Q3 2024, primarily due to decreases in prepaid card services and Output Solutions[124]. - For the nine months ended September 30, 2025, revenues increased by 1% to $63.2 million, up from $62.4 million for the same period in 2024, driven mainly by growth in ACH and complementary services[125]. - Total revenue for the quarter ended September 30, 2025, was $21.2 million, a decrease of 1% compared to $21.3 million for the same period in 2024, primarily due to a 30% decline in prepaid card services[162]. - Total revenue for the nine months ended September 30, 2025, increased by 1% to $63.2 million compared to $62.4 million for the same period in 2024, driven by a 33% growth in ACH and complementary services[163]. Expenses and Profitability - Selling, general, and administrative (SG&A) expenses rose to $4.5 million in Q3 2025, compared to $4.1 million in the prior year quarter, attributed to higher salaries and increased operational costs[126]. - Adjusted EBITDA for Q3 2025 was $0.4 million, down from $0.8 million in Q3 2024, with Adjusted EBITDA margins decreasing to 1.7% from 3.6%[155]. - Gross profit for the quarter ended September 30, 2025, decreased by 1% to $4.87 million, maintaining a gross profit percentage of 23.0%[168]. - Net loss for the quarter ended September 30, 2025, was $0.4 million, a significant decrease from net income of $2.9 million in the prior year, attributed to increased SG&A and absence of prior year tax benefits[180]. - The company reported a net loss of ($1.0) million for the nine months ended September 30, 2025, compared to a net income of $2.7 million for the same period in the prior year[181]. Cash Flow and Financial Position - Cash and cash equivalents stood at $7.7 million as of September 30, 2025, with cash provided by operations amounting to $1.4 million for the nine months ended September 30, 2025[183]. - Net cash provided by operating activities decreased to $1.4 million for the nine months ended September 30, 2025, down from $1.9 million in the same period of 2024[190]. - Net cash used in investing activities increased to $1.1 million for the nine months ended September 30, 2025, compared to $0.7 million for the same period in 2024[191]. - Net cash used in financing activities was $6.5 million for the nine months ended September 30, 2025, compared to net cash provided of $4.7 million in the same period of 2024[192]. - The company has working capital of $10.0 million as of September 30, 2025, slightly down from $10.2 million at December 31, 2024[184]. Business Strategy and Developments - The company has adopted a "One Usio" strategy to unify its brand and enhance client onboarding, customer management, and reporting capabilities[113]. - The company is focusing on expanding its ACH merchants and electronic bill presentment services while optimizing its infrastructure for growth without significantly increasing operating costs[123]. - The company has entered the Real Time Payments (RTP) market in 2023, expanding its payment technology offerings[109]. - The company completed the development of a new Electronic Bill Presentment and Payment (EBPP) system in the first half of 2025, allowing merchants to create and distribute bills online[110]. - The assimilation of acquisitions such as Akimbo Financial, Singular Payments, and IMS has been crucial for enhancing the company's payment technology offerings and revenue streams[130]. Transaction Metrics - Processing volume and transaction counts are key metrics for assessing the addition of new customers and growth from existing clients, directly correlating to revenue performance[131]. - The number of credit card transactions processed increased by 75% in Q3 2025 compared to Q3 2024, while the volume of credit card dollars processed rose by 12%[132]. - ACH (eCheck) transaction counts increased by 26%, and returned check transactions rose by 35% in Q3 2025 compared to Q3 2024[133]. - Prepaid card load volumes decreased by 46%, and transaction counts decreased by 33% in Q3 2025 compared to Q3 2024, primarily due to processing reductions from a key client[134]. - Total dollar volumes processed across all business lines reached $2.18 billion in Q3 2025, an 8% increase from $2.02 billion in Q3 2024[136]. Other Financial Metrics - Interest earnings amounted to $1.5 million for the nine months ended September 30, 2025, with $1.1 million recognized as revenue[138]. - The company's reserve for processing losses was $751,937 as of September 30, 2025, down from $897,116 at December 31, 2024[144]. - Stock-based compensation expenses for the quarter ended September 30, 2025, were $0.4 million, down from $0.6 million in the prior year due to completed amortization of previous awards[170]. - Cost of services for the quarter ended September 30, 2025, decreased by 1% to $16.3 million, reflecting increased revenue from higher margin business lines[165]. - Depreciation and amortization expense for the nine months ended September 30, 2025, totaled $1.4 million, down from $1.7 million in the prior year, due to completed amortization of intangible assets[176]. Market and Economic Conditions - The company continues to face uncertainties due to inflation, geopolitical concerns, and potential changes in international trade policies, which may impact future financial results[139]. - The ongoing transition to electronic document delivery has reduced the price per unit processed, impacting revenue despite strong processing activity[135]. - The company continues to invest in infrastructure, including employee retention and marketing efforts, to achieve scale across all business lines[190]. - The company entered into a debt arrangement on September 19, 2025, to finance $1,017,954 for the purchase of an Output Solutions printer[186]. - The company has an unsecured revolving line of credit with a maximum borrowing capacity of $475,000, which remains undrawn as of September 30, 2025[187].