[8-K] USCB Financial Holdings, Inc. Reports Material Event

Rhea-AI Filing Summary

USCB Financial Holdings, Inc. (Nasdaq: USCB) furnished an 8-K under Item 7.01 to announce its regular quarterly dividend.

• Amount: $0.10 per share of Class A common stock.
• Record date: August 15, 2025.
• Payment date: September 5, 2025.
• Exhibit 99.1: Press release containing the same information.
• The disclosure is treated as “furnished,” not “filed,” and carries no Exchange Act liability.

No financial statements, earnings data, or other material events were included.

Insights

Equity Research Analyst

TL;DR: $0.10 cash dividend affirms capital return strategy; mildly positive for valuation.

The filing confirms a $0.10 quarterly payout, payable 5 Sep 2025 to holders of record 15 Aug 2025. Regular dividends typically support community-bank valuation multiples by offering predictable income and signaling balance-sheet strength. Because the 8-K omits payout ratio or earnings data, sustainability can’t be judged here, but continuation of distributions is incrementally favorable. The filing is narrow in scope with no operational, credit-quality, or guidance updates, limiting overall market impact.

Income Portfolio Manager

TL;DR: Sets ex-dividend timeline; useful for cash-flow planning but otherwise routine.

The announcement locks in a $0.10 dividend and key dates, allowing managers to schedule income and rebalance around the ex-dividend period. Annualized, the payment equates to $0.40, yet yield can’t be calculated without share-price data. Absence of adverse qualifiers suggests steady liquidity; still, no forward guidance accompanies the notice. Consequently, while positive for income investors, the event is not materially transformative.

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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) July 21, 2025

USCB Financial Holdings, Inc.

(Exact name of registrant as specified in its charter)

Florida	001-41196	87-4070846
(State or other jurisdiction	(Commission File Number)	(IRS Employer
of incorporation)		Identification No.)

2301 N.W. 87th Avenue, Doral, Florida		33172
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code (305) 715-5200

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 Instruction 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	USCB	The Nasdaq Stock Market LLC

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		7.01		Regulation FD Disclosure.
				On July 21, 2025, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing the declaration of the Company’s quarterly cash dividend. The dividend is in the amount of $0.10 per share of Class A common stock and is payable on September 5, 2025 to shareholders of record as of the close of business on August 15, 2025. For additional information, reference is made to the Company’s press release, dated July 21, 2025, which is included as Exhibit 99.1 hereto and is incorporated herein by reference thereto. The information in this Item 7.01, including Exhibit 99.1 hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933 or the Exchange Act except as expressly set forth by specific reference in such filing to this Form 8-K.

Item		9.01		Financial Statements and Exhibits
		(a)		Not applicable.
		(b)		Not applicable.
		(c)		Not applicable.
		(d)		Exhibits

Exhibit No.		Description
99.1		Press release dated July 21, 2025.
104		Cover Page Interactive Data (embedded within the Inline XBRL document)

2

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 hereunto duly authorized.

		USCB FINANCIAL HOLDINGS, INC.
		By:	/s/ Robert Anderson
		Name:	Robert Anderson
		Title:	Executive Vice President and Chief Financial Officer
Date: July 21, 2025