USCB Financial (USCB) EVP logs small 262-share sale and 40,000 options

Rhea-AI Filing Summary

USCB Financial Holdings executive Martha Guerra-Kattou reported a small share disposal and updated equity holdings. On January 22, 2026, she disposed of 262 shares of Class A voting common stock at a price of $20.70 per share, leaving her with 34,822 shares of the common stock held directly. She also reported a direct holding of 40,000 options to purchase Class A voting common stock at an exercise price of $12.05, which vest in thirds based on prior grant terms described in the filing.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider GUERRA-KATTOU MARTHA

Role EVP, Sales and Marketing

Type	Security	Shares	Price	Value
Tax Withholding	Class A Voting Common Stock	262	$20.70	$5K
holding	Options to Purchase Class A Voting Stock	--	--	--

Holdings After Transaction: Class A Voting Common Stock — 34,822 shares (Direct); Options to Purchase Class A Voting Stock — 40,000 shares (Direct)

Footnotes (1)

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

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^*

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)
01/22/2026

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	01/22/2026		F		262	D	$20.7	34,822(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, 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.

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	01/26/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider transaction did USCB (USCB) report for Martha Guerra-Kattou?

The filing shows that EVP, Sales and Marketing Martha Guerra-Kattou disposed of 262 shares of USCB Class A voting common stock on January 22, 2026 at $20.70 per share.

How many USCB (USCB) common shares does Martha Guerra-Kattou hold after the transaction?

Following the reported transaction, Martha Guerra-Kattou beneficially owns 34,822 shares of USCB Class A voting common stock directly.

What stock options does Martha Guerra-Kattou hold in USCB (USCB)?

She holds 40,000 options to purchase USCB Class A voting common stock at an exercise price of $12.05 per share, all held directly.

What does the Form 4 footnote say about Martha Guerra-Kattou’s restricted stock in USCB (USCB)?

The footnote explains that her holdings include multiple restricted stock grants that each vest at a rate of one-third per year starting on specific grant dates in 2024, 2025, and 2026, contributing to the total reported share count.

Is the USCB (USCB) insider transaction reported as direct or indirect ownership?

The filing reports both the 34,822 common shares and the 40,000 stock options as held under direct ownership by Martha Guerra-Kattou.