USCB Financial (USCB) EVP sells shares after option exercise

Rhea-AI Filing Summary

USCB Financial Holdings executive vice president of operations and IT Andres Collazo exercised options to acquire 8,000 shares of Class A Voting Common Stock at $7.50 per share, then sold 8,000 shares at $18.27 per share. A further 429 shares were disposed of at $18.45 per share to cover tax obligations. After these transactions, he directly holds 32,521 shares and retains options over 30,000 additional shares at an exercise price of $12.05 per share expiring on September 27, 2031.

Insights

Equity compensation analyst

Routine option exercise-and-sell with tax withholding; insider keeps a sizable remaining stake.

EVP Andres Collazo exercised 8,000 stock options at an exercise price of $7.50 per share, receiving Class A Voting Common Stock, and sold the same 8,000 shares at $18.27 per share. This pattern is a classic exercise-and-sell event, turning option value into cash.

In a separate step, 429 shares were disposed of at $18.45 per share to satisfy tax obligations, which is recorded as a tax-withholding disposition rather than an open-market sale. After these moves, Collazo still directly owns 32,521 shares and holds unexercised options for 30,000 shares at $12.05 per share, expiring on September 27, 2031, indicating he maintains meaningful equity exposure.

Insider Trade Summary

Net Seller: 8,000 shares ($146,160)

Net Sell 5 txns

Insider COLLAZO ANDRES

Role EVP, Operations & IT

Sold 8,000 shs ($146K)

Type	Security	Shares	Price	Value
Tax Withholding	Class A Voting Common Stock	429	$18.45	$8K
Exercise	Class A Voting Common Stock	8,000	$7.50	$60K
Sale	Class A Voting Common Stock	8,000	$18.27	$146K
holding	Options to Purchase Class A Voting Stock	--	--	--
Exercise	Options to Purchase Class A Voting Stock	8,000	$0.00	--

Holdings After Transaction: Class A Voting Common Stock — 32,521 shares (Direct); Options to Purchase Class A Voting Stock — 30,000 shares (Direct)

Footnotes (1)

1. Includes 948 shares of restricted stock from a grant of 2,846 shares which commenced vesting at a rate of one-third per year on January 22, 2025, 10,000 shares of restricted stock from a grant of 15,000 shares which commenced vesting at a rate of one-third per year on October 28, 2025, 4,042 shares of restricted stock from a grant of 6,064 shares which commenced vesting at a rate of one-third per year commencing on January 21, 2026 and 6,123 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027. The options vested at the rate of one-third per year commencing on September 27, 2022. The options vested at a rate of one-third per year commencing on April 25, 2017.

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^*

COLLAZO ANDRES

(Last) (First) (Middle)

C/O USCB FINANCIAL HOLDINGS, INC.

2301 N.W. 87TH AVENUE

(Street)

DORAL FL 33172

(City) (State) (Zip)

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

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

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, Operations & IT

3. Date of Earliest Transaction (Month/Day/Year)
03/07/2026

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

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

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

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	03/07/2026		M		8,000	A	$7.5	40,950(1)	D
Class A Voting Common Stock	03/07/2026		S		8,000	D	$18.27	32,950(1)	D
Class A Voting Common Stock	03/08/2026		F		429	D	$18.45	32,521(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
Options to Purchase Class A Voting Stock	$12.05							09/27/2022(2)	09/27/2031	Class A Voting Common Stock	30,000		30,000	D
Options to Purchase Class A Voting Stock	$7.5	03/06/2026		M			8,000	04/25/2017(3)	04/25/2026	Class A Voting Common Stock	8,000	$0	0	D

Explanation of Responses:

1. Includes 948 shares of restricted stock from a grant of 2,846 shares which commenced vesting at a rate of one-third per year on January 22, 2025, 10,000 shares of restricted stock from a grant of 15,000 shares which commenced vesting at a rate of one-third per year on October 28, 2025, 4,042 shares of restricted stock from a grant of 6,064 shares which commenced vesting at a rate of one-third per year commencing on January 21, 2026 and 6,123 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027.

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

3. The options vested at a rate of one-third per year commencing on April 25, 2017.

	/s/ Robert Anderson by P.O.A. for Andres Collazo	03/10/2026
	** 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.

FAQ

What insider transactions did USCB EVP Andres Collazo report on this Form 4 for USCB?

Andres Collazo reported exercising 8,000 stock options at $7.50 per share, selling 8,000 shares at $18.27 per share, and a separate tax-withholding disposition of 429 shares at $18.45 per share. All holdings are in USCB Class A Voting Common Stock.

How many USCB shares did Andres Collazo sell in the reported transactions?

Collazo sold 8,000 shares of USCB Class A Voting Common Stock at $18.27 per share in an open-market transaction. In addition, 429 shares were disposed of at $18.45 per share specifically to cover tax liabilities related to equity compensation.

How many USCB shares does Andres Collazo own after these Form 4 transactions?

Following the reported transactions, Collazo directly owns 32,521 shares of USCB Class A Voting Common Stock. This figure reflects the exercise of 8,000 options, the sale of 8,000 shares, and the 429-share tax-withholding disposition recorded in the filing.

What stock options in USCB does Andres Collazo still hold after this filing?

Collazo continues to hold options over 30,000 shares of USCB Class A Voting Common Stock with an exercise price of $12.05 per share. These options, which vested over time, are scheduled to expire on September 27, 2031, according to the filing details.

Is the 429-share USCB disposition by Andres Collazo an open-market sale?

The 429-share disposition is classified as a tax-withholding event, not a typical open-market sale. Shares were delivered at $18.45 per share to satisfy tax liabilities associated with equity awards, a common mechanism in executive compensation programs.

What role does Andres Collazo hold at USCB Financial Holdings, Inc.?

In the Form 4, Andres Collazo is identified as an officer of USCB Financial Holdings, Inc., serving as Executive Vice President, Operations & IT. The reported transactions therefore involve a senior operating executive with direct responsibilities in technology and operations.