Uscb Financial Holdings, INC.: insider trades · United States · SEC (Form 4)

About Uscb Financial Holdings, INC.

USCB Financial Holdings, Inc. is a U.S.-based bank holding company listed on the NASDAQ market in the United States. The company’s operating model is centered on its wholly owned subsidiary, U.S. Century Bank, and it focuses on community and relationship banking for individuals, entrepreneurs, and small-to-medium-sized businesses, with a particularly strong footprint in South Florida. SEC filings indicate that USCB Financial Holdings was formed in December 2021 to serve as the holding company for the bank, and the group is headquartered in Miami, Florida, within the Miami metropolitan area, with its banking presence concentrated in Doral and surrounding South Florida communities. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1901637/000156276225000043/uscb-20241231.htm?utm_source=openai)) From a business-line perspective, USCB offers a traditional but well-defined regional banking franchise: deposits, savings and money market accounts, commercial real estate and commercial-and-industrial lending, residential lending, consumer products, treasury-related services, and other everyday banking solutions for local clients. The bank operates ten banking centers in South Florida and uses that local network to serve a customer base that is deeply tied to the regional economy. That geographic concentration is both a strength and a risk: it supports strong local relationships and market knowledge, but it also makes the franchise more sensitive to conditions in the Florida real estate and business environment. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1901637/000119312526006001/d798230ds4a.htm?utm_source=openai)) In competitive terms, USCB is best viewed as a niche regional bank rather than a large national institution. Its competitive advantage comes from its South Florida specialization, where population growth, business formation, trade, and property-related demand can support loan growth and deposit gathering. The company reported consolidated assets of about $2.6 billion at the end of 2024, and its earnings profile is primarily driven by net interest income. Its deposit base and loan portfolio expanded over 2024, indicating continued franchise development and balance-sheet growth. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1901637/000119312526006001/d798230ds4a.htm?utm_source=openai)) Recent developments have highlighted a more active capital-return strategy. In 2025, USCB announced a regular quarterly cash dividend of $0.10 per share, and the company also repurchased 2.0 million Class A shares in privately negotiated transactions for roughly $34.4 million. Later in 2025, management disclosed the sale of $44.6 million of available-for-sale securities as part of a strategy to improve future earnings, drive EPS growth, and enhance profitability. Taken together, these actions suggest a management team that is balancing conservative regional banking with a more shareholder-friendly capital allocation approach. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1901637/000092708925000116/ex_839777.htm?utm_source=openai))