# EDGAR Filing Document

**Accession Number:** 0000807863
**File Stem:** 0001628280-26-003124
**Filing Date:** 2026-1
**Character Count:** 5842
**Document Hash:** e7e25156020de2f1fa465f274c55f6ca
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001628280-26-003124.hdr.sgml**: 20260122

**ACCESSION NUMBER**: 0001628280-26-003124

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 12

**CONFORMED PERIOD OF REPORT**: 20260122

**ITEM INFORMATION**: Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260122

**DATE AS OF CHANGE**: 20260122

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MITEK SYSTEMS INC
- **CENTRAL INDEX KEY:** 0000807863
- **STANDARD INDUSTRIAL CLASSIFICATION:** COMPUTER PERIPHERAL EQUIPMENT, NEC [3577]
- **ORGANIZATION NAME:** 06 Technology
- **EIN:** 870418827
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 0930

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-35231
- **FILM NUMBER:** 26552579

**BUSINESS ADDRESS:**
- **STREET 1:** 600 B STREET
- **STREET 2:** SUITE 100
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92101
- **BUSINESS PHONE:** 619-269-6800

**MAIL ADDRESS:**
- **STREET 1:** 600 B STREET
- **STREET 2:** SUITE 100
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92101

?xml version='1.0' encoding='ASCII'? mitk-20260122

**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): January 22, 2026**

**MITEK SYSTEMS, INC.** 

**(Exact name of registrant as specified in its charter)**

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| | | | |
|:---|:---|:---|:---|
| **Delaware** | **Delaware** | **001-35231** | **87-0418827** |
| **(State or other jurisdiction<br>of incorporation)** | **(State or other jurisdiction<br>of incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| **770 First Avenue, Suite 425** | **770 First Avenue, Suite 425** | | |
| **San Diego,** | **California** | | **92101** |
| **(Address of principal executive offices)** | **(Address of principal executive offices)** | | **(Zip Code)** |

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**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:

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| | | |
|:---|:---|:---|
| **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 |

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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. ☐

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**Item 2.03. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.**

On January 21, 2026, Mitek Systems, Inc. (the "Company") borrowed $50,000,000 under its delayed draw term loan facility established under that certain Loan and Security Agreement, dated February 13, 2024, by and among the Company, A2iA Corp., ID R&D, Inc. and Silicon Valley Bank, a division of First-Citizens Bank & Trust Company, as amended by that certain First Amendment to Loan and Security Agreement, dated May 7, 2025 (collectively, the "Credit Agreement"). The Company plans to use the proceeds to provide additional liquidity and preserve financial flexibility in anticipation of the maturity of the Company's 0.750% Convertible Senior Notes due February 1, 2026, including the potential repayment of such notes at maturity and payment of customary fees 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.

For a description of the material terms of the Credit Agreement, refer to Note 8 "Debt" to the consolidated financial statements included in Item 8 of Part II of the Company's Annual Report on Form 10-K filed with the U.S. Securities and Exchange Commission on December 11, 2025, which is incorporated by reference.

**Item 9.01. Financial Statements and Exhibits.**

***(d) Exhibits.***

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

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**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.

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| | | |
|:---|:---|:---|
| | **Mitek Systems, Inc.** | **Mitek Systems, Inc.** |
| January 22, 2026 | By: | /s/ David Lyle |
|  |  | **David Lyle** |
|  |  | **Chief Financial Officer** |

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