Form 4: USCB Executive Sells Shares for Tax Obligations

Andres Collazo, Executive VP of Operations & IT at USCB Financial Holdings, Inc., reported the disposition of 1,218 shares of Class A Voting Common Stock to cover tax liabilities.

Summary

• Andres Collazo, Executive VP, Operations & IT of USCB Financial Holdings, Inc., reported a transaction on October 28, 2025.
• Collazo disposed of 1,218 shares of Class A Voting Common Stock at a price of $17.6 per share.
• This disposition was coded as 'F', indicating it was for the payment of tax liability incident to the vesting of restricted stock or the exercise of stock options.
• Following this transaction, Collazo directly beneficially owns 27,744 shares of Class A Voting Common Stock.
• The beneficially owned shares include various restricted stock grants with vesting schedules extending into 2026 and 2027.
• Collazo also holds 30,000 options to purchase Class A Voting Stock with an exercise price of $12.05, which commenced vesting on September 27, 2022, and expire on September 27, 2031.
• Additionally, Collazo holds 8,000 options to purchase Class A Voting Stock with an exercise price of $7.5, which commenced vesting on April 25, 2017, and expire on April 25, 2026.

Sentiment

Score: 5

Explanation: The filing reports a routine insider transaction for tax purposes, which is neither inherently positive nor negative for the company's fundamental outlook.

Positives

• Executive Andres Collazo maintains significant beneficial ownership of 27,744 Class A Voting Common Stock shares, aligning his interests with shareholders.
• Collazo holds substantial unexercised stock options (38,000 shares total), indicating long-term incentive and potential for future share ownership.

Negatives

• No direct negative implications for the company's operational or financial performance are indicated by this routine tax-related transaction.

Future Outlook

NA

Industry Context

NA

Stakeholder Impact

• Shareholders: The transaction is a routine, tax-related event and does not indicate a change in the executive's long-term commitment or the company's operational performance. The executive retains significant equity holdings.
• Employees, Customers, Suppliers, Creditors: No direct impact is indicated by this filing.

Next Steps

• Vesting of 949 restricted shares on January 22, 2026.
• Vesting of 948 restricted shares on January 22, 2027.
• Continued vesting of 1,763 restricted shares (from a 5,289 grant) at one-third per year, commenced March 8, 2024.
• Continued vesting of 10,000 restricted shares (from a 15,000 grant) at one-third per year, commenced October 28, 2025.
• Continued vesting of 6,064 restricted shares at one-third per year, commenced January 21, 2026.
• Expiration of 8,000 stock options on April 25, 2026.
• Expiration of 30,000 stock options on September 27, 2031.

Key Dates

Recommendation

This Form 4 reports a routine disposition of shares by an executive to cover tax obligations related to equity vesting. It does not provide new information that would alter the fundamental investment thesis for USCB Financial Holdings, Inc., thus a 'hold' recommendation is appropriate.

Keywords

USCB, Form 4, insider transaction, beneficial ownership, stock options, restricted stock, executive compensation, Andres Collazo