USCB (USCB) CEO exercises options and sells 29,995 shares, retaining large stake

Rhea-AI Filing Summary

USCB FINANCIAL HOLDINGS, INC. President and CEO Luis de la Aguilera reported an exercise-and-sell transaction in Class A Voting Common Stock. On May 5–6, 2026 he exercised options to acquire 29,995 shares at $11.35 per share and sold the same number of shares in open-market sales at weighted average prices around $18.12–$18.16. After these trades, he directly holds 242,945 shares of Class A Voting Common Stock and retains stock options over additional shares with future vesting and expiration dates.

Insights

Equity compensation analyst

CEO executed a routine option exercise-and-sell, retaining a sizable equity stake.

USCB’s President and CEO, Luis de la Aguilera, exercised stock options to acquire 29,995 shares of Class A Voting Common Stock at an exercise price of $11.35 per share. He then sold the same 29,995 shares in open-market sales at weighted average prices slightly above $18 per share.

The pattern matches a typical liquidity event where an executive converts options into shares and immediately sells those shares, while keeping a meaningful remaining position. Following these transactions, he holds 242,945 shares directly and maintains unexercised options on 160,000 underlying shares at an exercise price of $12.05 expiring on September 27, 2031.

Because the reported sales cover only part of his overall economic exposure, and the filing does not reference distress or unusual circumstances, this activity appears consistent with ongoing equity compensation management rather than a thesis-changing move.

Insider Trade Summary

Net Seller: 29,995 shares ($544,033)

Net Sell 7 txns

Insider DE LA AGUILERA LUIS

Role President and CEO

Sold 29,995 shs ($544K)

Type	Security	Shares	Price	Value
Exercise	Stock Option (Right to Buy)	13,100	$0.00	--
Exercise	Class A Voting Common Stock	13,100	$11.35	$149K
Sale	Class A Voting Common Stock	13,100	$18.16	$238K
Exercise	Stock Option (Right to Buy)	16,895	$0.00	--
Exercise	Class A Voting Common Stock	16,895	$11.35	$192K
Sale	Class A Voting Common Stock	16,895	$18.12	$306K
holding	Stock Option (Right to Buy)	--	--	--

Holdings After Transaction: Stock Option (Right to Buy) — 10,005 shares (Direct, null); Class A Voting Common Stock — 256,045 shares (Direct, null)

Footnotes (1)

1. Includes the grant of 27,632 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027, 17,102 shares of restricted stock from a grant of 25,653 shares which commenced vesting at a rate of one-third per year on January 21, 2026, 4,045 shares of restricted stock from a grant of 12,136 shares which commenced vesting at a rate of one-third per year on January 22, 2025, and 41,666 shares of restricted stock from a grant of 125,000 shares which commenced vesting at a rate of one-third per year on December 31, 2024. The price reported in column 4 is a weighted price. These shares were sold in multiple transactions at prices ranging from $18.05 to $18.25, inclusive. The reporting person undertakes to provide to USCB, or any security holder of USCB, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote. The price reported in column 4 is a weighted price. These shares were sold in multiple transactions at prices ranging from $18.06 to $18.40, inclusive. The reporting person undertakes to provide to USCB, or any security holder of USCB, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote. The stock options vested at the rate of one-third per year commencing on September 23, 2020. The stock options vested at the rate of one-third per year commencing on September 27, 2022.

Key Figures

Shares sold: 29,995 shares Sale weighted average price May 6, 2026: $18.16 per share Sale weighted average price May 5, 2026: $18.12 per share +4 more

7 metrics

Shares sold 29,995 shares Open-market sales of Class A Voting Common Stock

Sale weighted average price May 6, 2026 $18.16 per share Class A Voting Common Stock, prices $18.05–$18.25

Sale weighted average price May 5, 2026 $18.12 per share Class A Voting Common Stock, prices $18.06–$18.40

Option exercise price $11.35 per share Options exercised for 29,995 underlying shares

Shares held after transaction 242,945 shares Direct holdings of Class A Voting Common Stock

Remaining option exercise price $12.05 per share Unexercised stock option position expiring September 27, 2031

Underlying shares on remaining option 160,000 shares Common Stock underlying unexercised Stock Option (Right to Buy)

Key Terms

open-market sale, Stock Option (Right to Buy), weighted price, restricted stock, +1 more

5 terms

open-market sale financial

"transaction_action: "open-market sale" for Class A Voting Common Stock"

An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.

Stock Option (Right to Buy) financial

"security_title: "Stock Option (Right to Buy)" in derivative transactions"

weighted price financial

"The price reported in column 4 is a weighted price."

restricted stock financial

"Includes the grant of 27,632 shares of restricted stock which vest at a rate of one-third per year"

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

underlying security financial

"underlying_security_title: "Common Stock" and underlying_security_shares values"

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

DE LA AGUILERA LUIS

(Last) (First) (Middle)

C/O USCB FINANCIAL HOLDINGS, INC.

2301 N.W. 87TH AVENUE

(Street)

DORAL FLORIDA 33172

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
USCB FINANCIAL HOLDINGS, INC. [ USCB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President and CEO

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/05/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Voting Common Stock	05/05/2026		M		16,895	A	$11.35	259,840(1)	D
Class A Voting Common Stock	05/05/2026		S		16,895	D	$18.12(2)	242,945(1)	D
Class A Voting Common Stock	05/06/2026		M		13,100	A	$11.35	256,045(1)	D
Class A Voting Common Stock	05/06/2026		S		13,100	D	$18.16(3)	242,945(1)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Option (Right to Buy)	$11.35	05/05/2026		M			16,895	09/23/2020(4)	09/23/2029	Common Stock	40,000	$0	23,105	D
Stock Option (Right to Buy)	$11.35	05/06/2026		M			13,100	09/23/2020(4)	09/23/2029	Common Stock	13,100	$0	10,005	D
Stock Option (Right to Buy)	$12.05							09/27/2022(5)	09/27/2031	Common Stock	160,000		160,000	D

Explanation of Responses:

1. Includes the grant of 27,632 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027, 17,102 shares of restricted stock from a grant of 25,653 shares which commenced vesting at a rate of one-third per year on January 21, 2026, 4,045 shares of restricted stock from a grant of 12,136 shares which commenced vesting at a rate of one-third per year on January 22, 2025, and 41,666 shares of restricted stock from a grant of 125,000 shares which commenced vesting at a rate of one-third per year on December 31, 2024.

2. The price reported in column 4 is a weighted price. These shares were sold in multiple transactions at prices ranging from $18.05 to $18.25, inclusive. The reporting person undertakes to provide to USCB, or any security holder of USCB, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

3. The price reported in column 4 is a weighted price. These shares were sold in multiple transactions at prices ranging from $18.06 to $18.40, inclusive. The reporting person undertakes to provide to USCB, or any security holder of USCB, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

4. The stock options vested at the rate of one-third per year commencing on September 23, 2020.

5. The stock options vested at the rate of one-third per year commencing on September 27, 2022.

	/s/ Robert Anderson by P.O.A. for Luis de la Aguilera	05/07/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What did USCB (USCB) CEO Luis de la Aguilera report in this Form 4?

He reported exercising stock options to acquire 29,995 USCB Class A Voting Common shares at $11.35, then selling the same 29,995 shares in open-market transactions at weighted average prices slightly above $18 per share over May 5–6, 2026.

How many USCB (USCB) shares does the CEO hold after these transactions?

After the reported transactions, Luis de la Aguilera directly holds 242,945 shares of USCB Class A Voting Common Stock. This reflects his remaining equity stake after exercising options and selling 29,995 shares in the open market across two trading days.

At what prices did the USCB (USCB) CEO sell his shares?

The reported per-share prices are weighted averages. On May 6, 2026, sales averaged $18.16, with individual trades between $18.05 and $18.25. On May 5, 2026, sales averaged $18.12, with underlying prices ranging from $18.06 to $18.40, according to the footnotes.

What stock options did the USCB (USCB) CEO exercise in this filing?

He exercised options on 29,995 shares of USCB Common Stock at an exercise price of $11.35 per share. These options were part of grants that vested one-third per year beginning September 23, 2020, as described in the footnotes to the filing.

Does the USCB (USCB) CEO still have unexercised stock options after these trades?

Yes. The derivative holdings summary shows he retains a stock option position with an exercise price of $12.05 per share, covering 160,000 underlying shares of Common Stock, expiring September 27, 2031. This position provides additional long-term equity exposure beyond his current share holdings.

What is the net effect of these USCB (USCB) insider transactions on share ownership?

The CEO exercised options and sold an equal number of shares, resulting in net open-market sales of 29,995 shares. Even after this net sell activity, he continues to hold 242,945 shares directly and maintains a sizeable option position over 160,000 additional underlying shares.