STOCK TITAN

USCB (USCB) SVP Sergio Garrido awarded 15,000 restricted shares and holds options

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

USCB Financial Holdings, Inc. senior vice president and chief credit officer Sergio E. Garrido reported a compensation-related equity grant. He received 15,000 shares of Class A voting common stock as restricted stock that vest on July 6, 2029, increasing his direct holdings to 25,197 shares of common stock. He also reports an existing option to purchase Class A voting common stock for 6,000 underlying shares at an exercise price of $8.75 per share, which vests in thirds starting February 26, 2022 and expires on February 26, 2031.

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Insider Garrido Sergio E.
Role SVP, Chief Credit Officer
Type Security Shares Price Value
Grant/Award Class A Voting Common Stock 15,000 $0.00 --
holding Option to Purchase Class A Voting Common Stock -- -- --
Holdings After Transaction: Class A Voting Common Stock — 25,197 shares (Direct, null); Option to Purchase Class A Voting Common Stock — 6,000 shares (Direct, null)
Footnotes (1)
  1. Represents the grant of 15,000 shares of restricted stock which vest on July 6, 2029. Includes 405 shares of restricted stock from a grant of 1,215 shares which commenced vesting at a rate of one-third per year on January 22, 2025, 1,724 shares of restricted stock from a grant of 2,587 shares which commenced vesting at a rate of one-third per year on January 21, 2026, and a grant of 2,674 shares which commence vesting at a rate of one-third per year on January 27, 2027. The options vested at a rate of one-third per year commencing on February 26, 2022.
Restricted stock grant 15,000 shares Class A Voting Common Stock granted at $0.00 per share
Shares held after grant 25,197 shares Total Class A Voting Common Stock directly owned after transaction
Option exercise price $8.75/share Option to purchase Class A Voting Common Stock
Option underlying shares 6,000 shares Underlying Class A Voting Common Stock for reported option
Restricted grant vesting date July 6, 2029 Vesting date for 15,000-share restricted stock grant
Option expiration date February 26, 2031 Expiration of option to purchase Class A Voting Common Stock
Prior restricted grants vesting 1,215; 2,587; 2,674 shares Grants vesting one-third annually starting Jan 22, 2025; Jan 21, 2026; Jan 27, 2027
restricted stock financial
"Represents the grant of 15,000 shares of restricted stock which vest on July 6, 2029."
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
"which commenced vesting at a rate of one-third per year on January 22, 2025"
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.
Option to Purchase Class A Voting Common Stock financial
"Option to Purchase Class A Voting Common Stock at an exercise price of 8.7500"
exercise price financial
"exercisePrice": "8.7500""
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.
expiration date financial
"expirationDate": "2031-02-26T00:00:00.000Z""
The expiration date is the deadline after which a financial contract, such as an option or a futures agreement, is no longer valid or can be exercised. It matters to investors because it determines the timeframe during which they can take action or benefit from the contract, similar to how a coupon or a food item has a limited period of usefulness. Once the expiration date passes, the contract loses its value or ability to be used.
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FAQ

What did USCB SVP Sergio Garrido report in this Form 4 for USCB?

Sergio E. Garrido reported a grant of 15,000 restricted shares. These Class A voting common shares were awarded at no cash cost and represent compensation, adding to his existing equity position in USCB Financial Holdings, Inc.

How many USCB shares does Sergio Garrido hold after this Form 4 transaction?

After the grant, Sergio Garrido directly holds 25,197 USCB shares. This total includes prior holdings plus the newly granted 15,000 restricted shares, as well as previously granted restricted stock described in the footnotes.

When do the 15,000 restricted USCB shares granted to Sergio Garrido vest?

The 15,000 restricted shares vest on July 6, 2029. Until that vesting date, the shares are subject to restrictions typical for equity compensation awards, as described in the Form 4 footnote for the grant.

What option position does Sergio Garrido report in USCB stock?

He reports an option to purchase 6,000 USCB Class A shares. The option has an exercise price of $8.75 per share, began vesting in one-third increments from February 26, 2022, and expires on February 26, 2031.

Are there other restricted stock grants mentioned for Sergio Garrido at USCB?

Yes, the filing notes several earlier restricted stock grants. These include 405 shares from a 1,215-share grant, 1,724 shares from a 2,587-share grant, and a 2,674-share grant, each vesting in one-third annual installments starting in 2025, 2026, and 2027.
SEC Form 4
FORM 4UNITED 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*
Garrido Sergio E.

(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)
Director10% Owner
XOfficer (give title below)Other (specify below)
SVP, Chief Credit Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/06/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Class A Voting Common Stock07/06/2026A15,000(1)A$025,197(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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Option to Purchase Class A Voting Common Stock$8.7502/26/2022(3)02/26/2031Class A Voting Common Stock6,0006,000D
Explanation of Responses:
1. Represents the grant of 15,000 shares of restricted stock which vest on July 6, 2029.
2. Includes 405 shares of restricted stock from a grant of 1,215 shares which commenced vesting at a rate of one-third per year on January 22, 2025, 1,724 shares of restricted stock from a grant of 2,587 shares which commenced vesting at a rate of one-third per year on January 21, 2026, and a grant of 2,674 shares which commence vesting at a rate of one-third per year on January 27, 2027.
3. The options vested at a rate of one-third per year commencing on February 26, 2022.
/s/ Robert Anderson by P.O.A. for Sergio E. Garrido07/09/2026
** Signature of Reporting PersonDate
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)