SCHEDULE: USCB Financial Holdings Stakeholder Filing

Inversiones Atlantida S.A., Atlantida Corporation Limited, and Guillermo Bueso Anduray have jointly filed a Schedule 13G, reporting beneficial ownership of 1,500,000 shares of USCB Financial Holdings, Inc. Class A common stock, representing 8.2% of the class.

Summary

• A joint filing was made by Inversiones Atlantida S.A., Atlantida Corporation Limited, and Guillermo Bueso Anduray regarding their ownership of USCB Financial Holdings, Inc.
• The filing is a Schedule 13G, indicating passive ownership.
• Collectively, the reporting persons beneficially own 1,500,000 shares of Class A common stock.
• This ownership represents 8.2% of the total Class A common stock outstanding.
• The shares outstanding were reported as 18,263,900 as of April 30, 2026.
• Inversiones Atlantida S.A. directly holds the 1,500,000 shares.
• Atlantida Corporation Limited is the majority owner of Inversiones Atlantida S.A.
• Guillermo Bueso Anduray is the CEO of Inversiones Atlantida S.A. and has ultimate decision-making authority at entities that collectively own a majority of Atlantida Corporation Limited.

Sentiment

Score: 5

Explanation: StockSavvy.ai views this filing as neutral, as it is a standard disclosure of beneficial ownership for passive investors and does not contain operational or financial performance updates.

Positives

• Reporting persons have disclosed a significant passive stake (8.2%) in USCB Financial Holdings, Inc.
• The joint filing agreement clarifies the reporting structure and responsibilities.
• The filing indicates a clear ownership structure with Inversiones Atlantida S.A. as the direct holder.

Negatives

• Guillermo Bueso Anduray disclaims beneficial ownership of the securities held by Inversiones Atlantida S.A. or Atlantida Corporation Limited, despite having ultimate decision-making authority.
• The filing does not provide details on the acquisition of these shares or the investment strategy.

Risks

• Potential for future changes in ownership or control, although the filing is a Schedule 13G which typically signifies passive investment.
• The disclaimer of beneficial ownership by Guillermo Bueso Anduray could lead to questions regarding ultimate control.
• Concentration of ownership among a few entities could impact market liquidity or influence corporate decisions.

Future Outlook

The filing is a Schedule 13G, which is typically filed by passive investors. It does not contain forward-looking statements or specific future guidance beyond the current ownership disclosure.

Management Comments

• Guillermo Bueso Anduray disclaims beneficial ownership of the securities beneficially owned by Invatlan or ACL, in accordance with Rule 13d-4 under the Securities Exchange Act of 1934.

Industry Context

StockSavvy.ai notes that this Schedule 13G filing indicates a significant passive stake in USCB Financial Holdings, Inc. by a group of related entities. Such filings are common for institutional investors or significant individual shareholders who do not intend to influence or control the company's management.

Stakeholder Impact

• Shareholders: May note the significant passive stake, potentially influencing market perception or future strategic considerations of the company.
• Management of USCB Financial Holdings, Inc.: Will be aware of the substantial passive ownership and may consider it in strategic planning.
• Creditors: The filing itself does not directly impact creditors, but changes in ownership could indirectly affect the company's financial stability over time.

Next Steps

• Continued monitoring of USCB Financial Holdings, Inc. for any changes in ownership or strategic direction by the reporting persons.
• Potential for future filings if the reporting persons' intentions or ownership levels change.

Key Dates

Keywords

USCB Financial Holdings, Schedule 13G, Inversiones Atlantida S.A., Atlantida Corporation Limited, Guillermo Bueso Anduray, Class A common stock, Beneficial Ownership, SEC Filing