GUERRA-KATTOU MARTHA 4

What Happened Martha Guerra-Kattou, Executive Vice President, Sales and Marketing of USCB Financial Holdings, was granted 6,217 restricted shares on January 27, 2026. The shares were issued at $0.00 (standard for restricted stock awards) and will vest at a rate of one-third per year beginning January 27, 2027. This is an equity award (transaction code A), not a purchase or sale.

Key Details

• Transaction date: 2026-01-27; reported on Form 4 filed 2026-01-28 (timely filing).
• Grant details: 6,217 restricted shares, $0.00 per share (award value reflects grant, market value depends on stock price).
• Vesting: One-third per year commencing January 27, 2027 (see footnote F1).
• Existing restricted shares: Footnote F2 lists prior unvested restricted stock from earlier grants (totals from prior grants include 885, 1,645, 13,333 and 3,938 shares from various grants with their own vesting start dates).
• Options: Footnote F3 notes earlier options vested at one-third per year beginning January 22, 2022.
• No sale or purchase occurred; this is an equity compensation award (not a sign of immediate buying or selling).

Context Restricted stock awards are compensation and typically cannot be sold until vested; vesting schedules matter more than the grant date for potential future sales. Because this is a grant (not a market purchase), it indicates compensation alignment with the company rather than an insider buying shares on the open market.