USCB (USCB) CEO Luis de la Aguilera exercises options and sells 42,830 shares

Rhea-AI Filing Summary

USCB Financial Holdings President and CEO Luis de la Aguilera reported an exercise-and-sale of company stock. On May 13–14, 2026, he exercised stock options covering 42,830 shares of Class A Voting Common Stock at $12.05 per share and sold the same 42,830 shares in open-market transactions at weighted average prices of $18.06 and $18.20 per share, respectively. Following these transactions, he holds 242,945 shares directly. His holdings also include multiple restricted stock grants that vest in one-third annual installments beginning on various dates from December 31, 2024 through January 27, 2027.

Insights

Equity compensation analyst

CEO exercised options and sold equivalent shares, a typical liquidity move.

USCB President and CEO Luis de la Aguilera exercised stock options for 42,830 shares at a strike price of $12.05 and sold the same number of shares in open-market trades around $18 per share on May 13–14, 2026.

This pattern is a classic exercise-and-sell: a derivative position is converted into common stock, then immediately monetized. The filing shows 42,830 shares sold and an equal 42,830 shares exercised, so the net effect is turning option value into cash rather than expanding his equity exposure.

After these transactions, de la Aguilera directly owns 242,945 shares, and footnotes describe additional restricted stock grants vesting over several years. That ongoing equity exposure, combined with the routine nature of option exercises, points to compensation management rather than a clear directional signal on the company’s prospects.

Insider Trade Summary

Net Seller: 42,830 shares ($776,713)

Net Sell 6 txns

Insider DE LA AGUILERA LUIS

Role President and CEO

Sold 42,830 shs ($777K)

Type	Security	Shares	Price	Value
Exercise	Stock Option (Right to Buy)	22,883	$0.00	--
Exercise	Class A Voting Common Stock	22,883	$12.05	$276K
Sale	Class A Voting Common Stock	22,883	$18.20	$416K
Exercise	Stock Option (Right to Buy)	19,947	$0.00	--
Exercise	Class A Voting Common Stock	19,947	$12.05	$240K
Sale	Class A Voting Common Stock	19,947	$18.06	$360K

Holdings After Transaction: Stock Option (Right to Buy) — 111,891 shares (Direct, null); Class A Voting Common Stock — 265,828 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 $18.00 to $18.33, 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 $18.10 to $18.34, 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 27, 2022.

Key Figures

Shares sold: 42,830 shares Exercise price: $12.05 per share Weighted sale price May 13: $18.06 per share +5 more

8 metrics

Shares sold 42,830 shares Total Class A Voting Common Stock sold May 13–14, 2026

Exercise price $12.05 per share Stock Option (Right to Buy) conversion or exercise price

Weighted sale price May 13 $18.06 per share Weighted average sale price, range $18.00–$18.33

Weighted sale price May 14 $18.20 per share Weighted average sale price, range $18.10–$18.34

Shares owned after transactions 242,945 shares Direct ownership of Class A Voting Common Stock after sales

Restricted stock grant 1 27,632 shares Vest one-third per year starting January 27, 2027

Restricted stock grant 2 remaining 17,102 shares From 25,653-share grant vesting since January 21, 2026

Restricted stock grant 3 remaining 4,045 shares From 12,136-share grant vesting since January 22, 2025

Key Terms

open-market sale, Stock Option (Right to Buy), derivative exercise/conversion, weighted price, +2 more

6 terms

open-market sale financial

"transaction_action": "open-market sale""

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)""

derivative exercise/conversion financial

"transaction_action": "derivative exercise/conversion""

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"

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.

vest at the rate of one-third per year financial

"which vest at a rate of one-third per year commencing"

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)
05/13/2026

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	05/13/2026		M		19,947	A	$12.05	268,171(1)	D
Class A Voting Common Stock	05/13/2026		S		19,947	D	$18.06(2)	242,945(1)	D
Class A Voting Common Stock	05/14/2026		M		22,883	A	$12.05	265,828(1)	D
Class A Voting Common Stock	05/14/2026		S		22,883	D	$18.2(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)	$12.05	05/13/2026		M			19,947	09/27/2022(4)	09/27/2031	Common Stock	19,947	$0	134,774	D
Stock Option (Right to Buy)	$12.05	05/14/2026		M			22,883	09/27/2022(4)	09/27/2031	Common Stock	22,883	$0	111,891	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 $18.00 to $18.33, 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 $18.10 to $18.34, 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 27, 2022.

	/s/ Robert Anderson by P.O.A. for Luis de la Aguilera	05/15/2026
	** 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 for 42,830 shares of Class A Voting Common Stock at $12.05 per share and selling the same 42,830 shares in open-market transactions around $18 per share across May 13–14, 2026.

How many USCB (USCB) shares did the CEO sell and at what prices?

Luis de la Aguilera sold 42,830 shares of Class A Voting Common Stock in two blocks. Weighted average sale prices were $18.06 on May 13, 2026 and $18.20 on May 14, 2026, with individual trades ranging from about $18.00 to $18.34.

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

He exercised stock options labeled “Stock Option (Right to Buy)” for 42,830 underlying shares of Common Stock at a conversion or exercise price of $12.05 per share. These options vested at a rate of one-third per year starting on September 27, 2022.

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

Following the reported transactions, Luis de la Aguilera directly owns 242,945 shares of USCB Class A Voting Common Stock. This figure reflects his position after exercising options and selling 42,830 shares in the open market over two consecutive trading days.

Were the USCB (USCB) CEO’s sales single trades or multiple transactions?

The sales were executed as multiple transactions. Footnotes state that the May 13, 2026 shares sold between $18.00–$18.33, and the May 14, 2026 shares between $18.10–$18.34. Each day’s reported price is a weighted average for those individual trades.

What restricted stock does the USCB (USCB) CEO hold according to the filing?

His holdings include several restricted stock grants: 27,632 shares vesting from January 27, 2027, 17,102 shares from a grant that began vesting January 21, 2026, 4,045 shares from a grant vesting since January 22, 2025, and 41,666 shares from a grant starting December 31, 2024.