USCB EVP uses 401 shares for tax withholding

USCB Financial Holdings EVP Martha Guerra-Kattou reported a disposition of 401 shares of Class A Voting Common Stock on March 8, 2026 to cover tax obligations, using shares rather than cash.

Rhea-AI Filing Summary

USCB Financial Holdings EVP Martha Guerra-Kattou reported a disposition of 401 shares of Class A Voting Common Stock on March 8, 2026 to cover tax obligations, using shares rather than cash. After this tax-withholding transaction, she directly holds 40,638 common shares and has options to purchase 40,000 additional shares at $12.05 per share expiring on September 27, 2031.

Insider Trade Summary

Exercise Price or Tax Liability: 401 shares

Exercise Price or Tax Liability 2 txns

Insider GUERRA-KATTOU MARTHA

Role EVP, Sales and Marketing

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Class A Voting Common Stock	401	$18.45	$7K
holding	Options to Purchase Class A Voting Stock	--	--	--

Holdings After Transaction: Class A Voting Common Stock — 40,638 shares (Direct); Options to Purchase Class A Voting Stock — 40,000 contracts (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, 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, 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.

FAQ

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

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

Martha Guerra-Kattou reported a disposition of 401 shares of USCB Financial Holdings Class A Voting Common Stock. The shares were used to satisfy tax obligations, rather than being sold in an open-market transaction, as indicated by the tax-withholding transaction code.

How many USCB shares did Martha Guerra-Kattou hold after the reported tax-withholding transaction?

After the tax-withholding disposition, Martha Guerra-Kattou directly held 40,638 shares of USCB Class A Voting Common Stock. This figure includes various restricted stock awards that vest over time according to schedules described in the Form 4 footnotes.

Was the USCB insider transaction by Martha Guerra-Kattou an open-market sale?

The transaction was not an open-market sale. It is coded as a tax-withholding disposition, meaning 401 shares were delivered to cover tax liabilities. No open-market buy or sell transactions are reported in this Form 4 for the transaction date.

What stock options does Martha Guerra-Kattou have according to this USCB 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 expire on September 27, 2031 and vested in one-third increments beginning January 22, 2022.

Does the USCB Form 4 show any remaining derivative position for Martha Guerra-Kattou?

Yes. The filing lists a remaining derivative position of options to purchase 40,000 USCB Class A Voting Common Stock shares. These options have a $12.05 exercise price, expire on September 27, 2031, and are held directly by Martha Guerra-Kattou.

What restricted stock awards are included in Martha Guerra-Kattou’s USCB share holdings?

Her holdings include multiple restricted stock grants with one-third annual vesting starting on January 22, 2025, October 28, 2025, January 21, 2026, and January 27, 2027. The Form 4 footnote details remaining unvested shares under each grant.

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

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Accepted by SEC EDGAR 03/10/2026 - 04:05 PM Learn about SEC filing dates

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)
03/08/2026

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	03/08/2026		F		401	D	$18.45	40,638(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, 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, 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	03/10/2026
	** 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.
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