USCB (USCB) EVP Martha Guerra-Kattou awarded 6,217 restricted shares

Rhea-AI Filing Summary

USCB Financial Holdings, Inc. executive Martha Guerra-Kattou, EVP of Sales and Marketing, received an award of 6,217 shares of Class A voting common stock on January 27, 2026. This grant is in the form of restricted stock that vests in three equal annual installments starting on January 27, 2027.

Following this award, she beneficially owns 41,039 shares of Class A voting common stock directly, along with previously granted options to purchase 40,000 shares of Class A voting common stock that were scheduled to vest in three equal annual installments commencing on January 22, 2022.

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

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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^*

GUERRA-KATTOU MARTHA

(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, Sales and Marketing

3. Date of Earliest Transaction (Month/Day/Year)
01/27/2026

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	01/27/2026		A		6,217(1)	A	$0	41,039(2)	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(3)	09/27/2031	Class A Voting Common Stock	40,000		40,000	D

Explanation of Responses:

1. Represents the grant of 6,217 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027.

2. Includes 885 shares of restricted stock from a grant of 2,655 shares which commenced vesting at a rate of one-third per year on January 22, 2025, 1,645 shares of restricted stock from a grant of 4,933 shares which commenced vesting at a rate of one-third per year on March 8, 2024, 13,333 shares of restricted stock from a grant of 20,000 shares which commenced vesting at a rate of one-third per year on October 28, 2025 and 3,938 shares of restricted stock from a grant of 5,907 shares which commenced vesting at a rate of one-third per year on January 21, 2026.

3. The options vested at a rate of one-third per year commencing on January 22, 2022.

	/s/ Robert Anderson by P.O.A. for Martha Guerra-Kattou	01/28/2026
	** 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).
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FAQ

What insider transaction did USCB EVP Martha Guerra-Kattou report on this Form 4 for USCB?

Martha Guerra-Kattou reported receiving 6,217 shares of USCB Class A voting common stock as a restricted stock grant on January 27, 2026. The shares were acquired at a price of $0 as part of her executive compensation.

How many USCB shares does Martha Guerra-Kattou own after the January 27, 2026 transaction?

After the transaction, Martha Guerra-Kattou beneficially owns 41,039 shares of USCB Class A voting common stock directly. This total includes multiple prior restricted stock grants that are vesting over three-year schedules starting in 2024, 2025, and 2026.

What are the vesting terms of the 6,217 restricted USCB shares granted to Martha Guerra-Kattou?

The 6,217 restricted shares of USCB granted to Martha Guerra-Kattou vest in three equal annual installments. Vesting begins on January 27, 2027, with one-third vesting each year thereafter, subject to the original grant’s terms and conditions.

What other restricted stock grants in USCB does Martha Guerra-Kattou hold?

Her holdings include 885 restricted shares from a 2,655-share grant vesting from January 22, 2025, 1,645 restricted shares from a 4,933-share grant vesting from March 8, 2024, 13,333 restricted shares from a 20,000-share grant vesting from October 28, 2025, and 3,938 restricted shares from a 5,907-share grant vesting from January 21, 2026.

What USCB stock options are reported for Martha Guerra-Kattou on this Form 4?

She holds options to purchase 40,000 shares of USCB Class A voting common stock at an exercise price of $12.05 per share. These options vest at a rate of one-third per year, beginning on January 22, 2022, and are scheduled to expire on September 27, 2031.

Is the January 27, 2026 USCB transaction a purchase or an award for Martha Guerra-Kattou?

The January 27, 2026 transaction is an award of restricted stock, coded as an acquisition at a price of $0. It represents compensation granted by USCB rather than an open-market purchase by Martha Guerra-Kattou.