Form 4: USCB Executive Sells Shares for Tax Withholding

Oscar Gomez, Executive VP of Global Banking at USCB Financial Holdings, Inc., reported a disposition of 284 shares of Class A Voting Common Stock on January 22, 2026, to satisfy tax withholding obligations.

Summary

• Oscar Gomez, Executive VP, Global Banking at USCB Financial Holdings, Inc. (USCB), reported a transaction on January 22, 2026.
• Gomez disposed of 284 shares of Class A Voting Common Stock at a price of $20.7 per share.
• The disposition was made to satisfy tax withholding obligations, indicated by transaction code 'F'.
• Following this transaction, Gomez beneficially owns 27,432 shares of Class A Voting Common Stock directly.
• The beneficially owned shares include 957 shares of restricted stock from a grant of 2,872 shares, which began vesting at one-third per year on January 22, 2025.
• Also included are 1,813 shares of restricted stock from a grant of 5,439 shares, which began vesting at one-third per year on March 8, 2024.
• Further, 10,000 shares of restricted stock from a grant of 15,000 shares, which began vesting at one-third per year on October 28, 2025, are part of the holdings.
• Additionally, 4,078 shares of restricted stock from a grant of 6,118 shares, which began vesting at one-third per year on January 21, 2026, are included.
• Gomez also holds 20,000 options to purchase Class A Voting 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.
• Another 8,000 options to purchase Class A Voting Stock are held with an exercise price of $7.5, which began vesting at one-third per year on July 1, 2018, and expire on July 1, 2027.

Sentiment

Score: 5

Explanation: The filing reports a routine insider transaction for tax withholding purposes, which is neutral in sentiment. It reflects the normal course of executive compensation and does not indicate any significant positive or negative developments for the company.

Positives

• The executive holds significant equity and derivative interests in the company, including 27,432 shares of common stock and 28,000 stock options, indicating alignment with shareholder interests.
• The grants of restricted stock and stock options serve as long-term incentives for the executive, promoting retention and performance.

Negatives

• The disposition of 284 shares, while for tax purposes, represents a reduction in the executive's direct shareholdings.

Future Outlook

The executive's future equity holdings are subject to the vesting schedules of various restricted stock grants, with portions vesting annually from January 2025, March 2024, October 2025, and January 2026. Additionally, outstanding stock options will continue to vest at a rate of one-third per year from their respective commencement dates.

Industry Context

This Form 4 filing reflects a routine insider transaction common across publicly traded companies, where executives dispose of shares to cover tax obligations arising from the vesting of equity awards. Such transactions are a standard component of executive compensation and do not typically signal a change in company fundamentals or executive sentiment.

Comparison to Industry Standards

• The use of restricted stock and stock options as part of executive compensation is a common practice across the financial services industry, aligning executive incentives with long-term shareholder value.
• Dispositions of shares to cover tax withholding obligations upon the vesting of equity awards are standard and expected in executive compensation plans, consistent with practices at comparable financial institutions.

Stakeholder Impact

• Shareholders: Minimal direct impact as this is a small, routine transaction for tax purposes and does not reflect a change in the executive's overall commitment or outlook.
• Employees: No direct impact mentioned.
• Customers: No direct impact mentioned.

Next Steps

• Continued vesting of remaining restricted stock grants according to their respective schedules.
• Continued vesting of outstanding stock options according to their respective schedules.

Key Dates

Keywords

USCB Financial Holdings, USCB, Oscar Gomez, Insider Transaction, Form 4, Stock Options, Restricted Stock, Executive Compensation, Beneficial Ownership