Form 4: USCB CFO's Routine Share Disposition for Tax Obligations

USCB Financial Holdings' Executive VP and CFO, Robert B. Anderson, reported a disposition of 514 shares for tax withholding purposes, while maintaining significant equity and option holdings.

Summary

• Robert B. Anderson, Executive VP and CFO of USCB FINANCIAL HOLDINGS, INC. (USCB), reported a transaction on January 22, 2026.
• The transaction involved the disposition of 514 shares of Class A Voting Common Stock at a price of $20.70 per share.
• This disposition was made to satisfy tax withholding obligations related to equity awards.
• Following this transaction, Mr. Anderson beneficially owns 114,823 shares of Class A Voting Common Stock directly.
• The beneficial ownership includes restricted stock grants: 5,861 shares from an 8,792-share grant (vesting 1/3 per year from January 21, 2026), 1,375 shares from a 4,127-share grant (vesting 1/3 per year from January 22, 2025), 2,683 shares from an 8,051-share grant (vesting 1/3 per year from March 8, 2024), and 8,333 shares from a 25,000-share grant (vesting 1/3 per year from December 31, 2024).
• Mr. Anderson also holds 30,000 options to purchase Class A Voting Common Stock with an exercise price of $8.75, which began vesting at one-third per year on September 10, 2021, and expire on September 10, 2030.
• Additionally, he holds 60,000 options to purchase Class A Voting Common Stock with an exercise price of $12.05, which began vesting at one-third per year on September 27, 2022, and expire on September 27, 2031.

Sentiment

Score: 6

Explanation: The filing reports a routine insider transaction where an executive disposed of a small portion of shares to cover tax liabilities associated with equity compensation. This is a common occurrence and does not indicate a change in the company's fundamental outlook or the executive's long-term commitment, as evidenced by their substantial remaining holdings of common stock and options.

Positives

• The disposition of shares was for tax withholding purposes, not a discretionary sale, indicating a routine event rather than a change in the executive's outlook.
• The Executive VP and CFO retains substantial beneficial ownership of 114,823 shares of common stock and 90,000 stock options, demonstrating continued alignment with shareholder interests.

Negatives

• A minor reduction of 514 shares in the executive's direct beneficial ownership occurred due to the tax-related disposition.

Future Outlook

NA

Industry Context

NA

Related Party Transactions

• Disposition of 514 shares of Class A Voting Common Stock to the issuer to satisfy tax withholding obligations related to equity awards.

Stakeholder Impact

• Shareholders: Minor, routine reduction in the executive's direct share ownership, but continued alignment through substantial remaining equity and options.

Key Dates

Recommendation

This Form 4 details a routine disposition of shares by an executive to cover tax obligations related to equity compensation. It does not reflect a discretionary sale based on a change in outlook for the company, nor does it provide new information that would fundamentally alter the investment thesis. The executive retains significant beneficial ownership, including substantial stock options and restricted stock, which aligns their interests with shareholders. Therefore, a 'hold' recommendation is appropriate as this filing does not present new material information to change an existing investment stance.

Keywords

USCB, Form 4, insider transaction, beneficial ownership, executive compensation, stock options, restricted stock, Robert B. Anderson, CFO