USCB Financial EVP disposes of 1,623 shares

Her reported direct holdings were 39,015 shares, alongside options covering 40,000 shares with a $12.05 exercise price and a September 27, 2031 expiration date.

Available on EDGAR 10/30/2026 - 10:29 AM EDT Accepted by SEC EDGAR 10/30/2026 - 10:28 AM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

USCB Financial Holdings, Inc. EVP, Sales and Marketing Martha Guerra-Kattou reported 1,623 Class A Voting Common Stock shares delivered or withheld for payment of exercise price or tax liability on October 28, 2026, at a reported price of $19.92 per share. Her direct common-stock holdings after the transaction were 39,015 shares. She also reported options covering 40,000 Class A Voting Common Stock shares, with a $12.05 exercise price and an expiration date of September 27, 2031.

Insider Trade Summary

Exercise Price or Tax Liability: 1,623 shares

Exercise Price or Tax Liability 1 txn

Insider GUERRA-KATTOU MARTHA

Role EVP, Sales and Marketing

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Class A Voting Common Stock F1	1,623	$19.92	$32K
Holding	Options to Purchase Class A Voting Stock F2	--	--	--

Holdings After Transaction: Class A Voting Common Stock — 39,015 shares (Direct); Options to Purchase Class A Voting Stock — 40,000 contracts (Direct)

Holdings Before and After: Class A Voting Common Stock, 40,638 to 39,015 shares (Direct)

Footnotes (2)

1. F1. 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, 6,666 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, 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 and 6,217 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027.
2. F2. The options vested at a rate of one-third per year commencing on January 22, 2022.

Key Figures

Shares delivered or withheld: 1,623 shares Reported price per share: $19.92 per share Direct common-stock holdings after transaction: 39,015 shares +3 more

6 metrics

Shares delivered or withheld 1,623 shares October 28, 2026; for payment of exercise price or tax liability

Reported price per share $19.92 per share October 28, 2026 transaction

Direct common-stock holdings after transaction 39,015 shares Martha Guerra-Kattou

Options covering Class A Voting Common Stock 40,000 shares Directly held options reported

Exercise price $12.05 per share Options to purchase Class A Voting Stock

Options expiration date September 27, 2031 Options to purchase Class A Voting Stock

Key Terms

restricted stock, vesting, exercise price, Options to Purchase Class A Voting Stock

4 terms

restricted stock financial

"shares of restricted stock from a grant"

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.

vesting financial

"commenced vesting at a rate of one-third per year"

Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.

exercise price financial

"exercise price of $12.0500"

The exercise price is the fixed amount at which you can buy or sell an asset, like a stock, when using an options contract. It matters because it helps determine whether exercising the option will be profitable or not, depending on the current market price. Think of it as the set price you agree on today to buy or sell later.

Options to Purchase Class A Voting Stock financial

"Options to Purchase Class A Voting Stock"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many USCB shares did Martha Guerra-Kattou report delivering or withholding?

Martha Guerra-Kattou, EVP, Sales and Marketing, reported 1,623 shares delivered or withheld for payment of exercise price or tax liability on October 28, 2026, at a reported price of $19.92 per share. Her direct common-stock holdings after the transaction were 39,015 shares.

What options did the USCB executive report holding?

Martha Guerra-Kattou reported options covering 40,000 Class A Voting Common Stock shares, with a $12.05 exercise price and an expiration date of September 27, 2031. The options vested at a rate of one-third per year commencing on January 22, 2022.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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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^*

GUERRA-KATTOU MARTHA

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, Sales and Marketing

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
10/28/2026

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	10/28/2026		F		1,623	D	$19.92	39,015(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	40,000		40,000	D

Explanation of Responses:

1. 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, 6,666 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, 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 and 6,217 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027.

2. 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	10/30/2026
	** 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)