Form 4: USCB Executive Receives Significant Stock Grant

Oscar Gomez, Executive VP of Global Banking at USCB Financial Holdings, Inc., was granted 6,177 shares of restricted Class A Voting Common Stock.

Summary

• Oscar Gomez, Executive VP, Global Banking at USCB Financial Holdings, Inc. (USCB), acquired 6,177 shares of Class A Voting Common Stock.
• This acquisition was a grant of restricted stock with a transaction price of $0.
• The newly granted shares will vest at a rate of one-third per year, commencing on January 27, 2027.
• Following this transaction, Mr. Gomez directly beneficially owns 33,609 shares of Class A Voting Common Stock.
• This total includes previously granted restricted stock with various vesting schedules: 957 shares (from a 2,872 grant, vesting started Jan 22, 2025), 1,813 shares (from a 5,439 grant, vesting started Mar 8, 2024), 10,000 shares (from a 15,000 grant, vesting started Oct 28, 2025), and 4,078 shares (from a 6,118 grant, vesting started Jan 21, 2026).
• Mr. Gomez also directly beneficially owns 28,000 options to purchase Class A Voting Stock, with exercise prices of $12.05 (20,000 options) and $7.50 (8,000 options).

Sentiment

Score: 7

Explanation: The grant of restricted stock to a key executive is generally a positive signal, indicating management retention and alignment of interests with shareholders. It's a standard compensation practice.

Positives

• Grant of 6,177 shares of restricted stock to a key executive, aligning management interests with shareholders.
• Increased beneficial ownership of Class A Voting Common Stock by a senior executive, totaling 33,609 shares.
• The executive holds a significant number of stock options (28,000), indicating potential for future share ownership and further alignment.

Future Outlook

The filing details future vesting schedules for restricted stock and options, indicating a long-term incentive structure for the executive. The 6,177 shares of restricted stock will vest one-third per year starting January 27, 2027.

Industry Context

This is a standard executive compensation disclosure, common across all industries for publicly traded companies. It reflects a company's strategy to incentivize and retain key management through equity awards, aligning their interests with long-term shareholder value.

Comparison to Industry Standards

• The grant of restricted stock and stock options is a common practice for executive compensation in publicly traded companies, including financial institutions like USCB Financial Holdings, Inc.
• Vesting schedules, typically over several years (e.g., one-third per year), are standard mechanisms to encourage long-term commitment and performance.
• The specific number of shares and options granted would typically be benchmarked against peer companies of similar size and market capitalization within the financial services sector, though this filing does not provide such comparative data.

Stakeholder Impact

• Shareholders: Potential minor dilution from future exercise of options and vesting of restricted stock, but also increased alignment of executive interests with long-term share price performance.
• Employees: Reflects the company's compensation strategy for senior management, potentially influencing broader employee incentive programs.

Next Steps

• Vesting of 6,177 restricted shares commencing January 27, 2027.
• Continued vesting of previously granted restricted stock and options according to their respective schedules.

Key Dates

Keywords

USCB Financial Holdings, USCB, Oscar Gomez, Form 4, Insider Transaction, Restricted Stock Grant, Stock Options, Executive Compensation, Beneficial Ownership, Class A Voting Common Stock