USCB FINANCIAL HOLDINGS, INC.
USCB · State Commercial Banks · 18.3M shares · EDGAR filings ↗
Net buyback after stock comp: -$2M (gross $501K, SBC $2M)
Reference price $19.00 · est. market cap ~$347M — last insider sale, 2026-06-08 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B70USCB Financial — high-ROE Florida (Miami) commercial bank.
Strengths
- ROE 12% (77th pct); net income +6%
Risks
- Low cash position (9th pct); ROA (42nd) average
- Florida CRE and rate sensitivity
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
- Material weaknessWhen evaluating our internal controls over financial reporting, we may identify material weaknesses that we may not be able to remediate in time to meet the applicable deadline imposed upon us for
- Insider sellingInsider selling — 18 open-market sale(s) by 4 insider(s) (cluster of 4 insiders, ~$5M, last 6mo) Form 4 ↗
Key metrics
Return on equity
12.0%
Return on assets
0.9%
Net-income growth
5.8%
Free cash flow
$43M
Tangible book value
$217M
Cash & investments
$38M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-08 | COLLAZO ANDRES | Sell | 1.0K | $19.00 |
| 2026-05-21 | DE LA AGUILERA LUIS | Option exercise | 49K | $12.05 |
| 2026-05-21 | DE LA AGUILERA LUIS | Sell | 49K | $18.30 |
| 2026-05-20 | DE LA AGUILERA LUIS | Sell | 37K | $18.15 |
| 2026-05-20 | DE LA AGUILERA LUIS | Option exercise | 37K | $12.05 |
| 2026-05-19 | DE LA AGUILERA LUIS | Sell | 4.9K | $18.01 |
| 2026-05-19 | DE LA AGUILERA LUIS | Option exercise | 4.9K | $12.05 |
| 2026-05-18 | DE LA AGUILERA LUIS | Option exercise | 2.5K | $12.05 |
| 2026-05-18 | DE LA AGUILERA LUIS | Sell | 2.5K | $18.06 |
| 2026-05-15 | DE LA AGUILERA LUIS | Option exercise | 805 | $12.05 |
| 2026-05-15 | DE LA AGUILERA LUIS | Sell | 805 | $18.05 |
| 2026-05-14 | ABADIN RAMON | Option exercise | 5.0K | $7.50 |
| 2026-05-14 | ABADIN RAMON | Sell | 9.0K | $18.21 |
| 2026-05-14 | DE LA AGUILERA LUIS | Option exercise | 23K | $12.05 |
| 2026-05-14 | DE LA AGUILERA LUIS | Sell | 23K | $18.20 |
| 2026-05-14 | ABADIN RAMON | Option exercise | 4.0K | $11.35 |
| 2026-05-13 | DE LA AGUILERA LUIS | Sell | 20K | $18.06 |
| 2026-05-13 | DE LA AGUILERA LUIS | Option exercise | 20K | $12.05 |
| 2026-05-13 | ABADIN RAMON | Sell | 6.6K | $18.03 |
| 2026-05-11 | DE LA AGUILERA LUIS | Option exercise | 5.3K | $12.05 |
| 2026-05-11 | DE LA AGUILERA LUIS | Sell | 5.3K | $18.27 |
| 2026-05-07 | DE LA AGUILERA LUIS | Option exercise | 10K | $11.35 |
| 2026-05-07 | DE LA AGUILERA LUIS | Sell | 10K | $18.14 |
| 2026-05-06 | DE LA AGUILERA LUIS | Option exercise | 13K | $11.35 |
| 2026-05-06 | DE LA AGUILERA LUIS | Sell | 13K | $18.16 |
| 2026-05-05 | DE LA AGUILERA LUIS | Sell | 17K | $18.12 |
| 2026-05-05 | DE LA AGUILERA LUIS | Option exercise | 17K | $11.35 |
| 2026-05-01 | WYCOFF W KIRK | Sell | 13K | $18.28 |
| 2026-04-30 | WYCOFF W KIRK | Sell | 37K | $18.24 |
| 2026-03-08 | GUERRA-KATTOU MARTHA | Tax withheld | 401 | $18.45 |
| 2026-03-08 | GOMEZ OSCAR | Tax withheld | 441 | $18.45 |
| 2026-03-08 | DE LA AGUILERA LUIS | Tax withheld | 2.9K | $18.45 |
| 2026-03-08 | Logrono Maricarmen | Tax withheld | 197 | $18.45 |
| 2026-03-08 | COLLAZO ANDRES | Tax withheld | 429 | $18.45 |
| 2026-03-08 | BUSTLE NICHOLAS | Tax withheld | 497 | $18.45 |
| 2026-03-08 | Anderson Robert B. | Tax withheld | 1.0K | $18.45 |
| 2026-03-07 | COLLAZO ANDRES | Option exercise | 8.0K | $7.50 |
| 2026-03-07 | COLLAZO ANDRES | Sell | 8.0K | $18.27 |
| 2026-02-05 | WYCOFF W KIRK | Option exercise | 7.5K | $7.50 |
| 2026-01-29 | DE LA AGUILERA LUIS | Sell | 10K | $18.02 |
| 2026-01-29 | DE LA AGUILERA LUIS | Option exercise | 10K | $7.50 |
| 2026-01-27 | GUERRA-KATTOU MARTHA | Grant | 6.2K | — |
| 2026-01-27 | GOMEZ OSCAR | Grant | 6.2K | — |
| 2026-01-27 | BUSTLE NICHOLAS | Grant | 7.0K | — |
| 2026-01-27 | DE LA AGUILERA LUIS | Grant | 28K | — |
| 2026-01-27 | Anderson Robert B. | Grant | 8.9K | — |
| 2026-01-27 | Logrono Maricarmen | Grant | 15K | — |
| 2026-01-27 | Turner William | Grant | 5.7K | — |
| 2026-01-27 | Logrono Maricarmen | Grant | 6.2K | — |
| 2026-01-22 | BUSTLE NICHOLAS | Tax withheld | 322 | $20.70 |
| 2026-01-22 | COLLAZO ANDRES | Grant | 6.1K | — |
| 2026-01-22 | Logrono Maricarmen | Tax withheld | 260 | $20.70 |
| 2026-01-22 | GUERRA-KATTOU MARTHA | Tax withheld | 262 | $20.70 |
| 2026-01-22 | GOMEZ OSCAR | Tax withheld | 284 | $20.70 |
| 2026-01-22 | DE LA AGUILERA LUIS | Tax withheld | 1.5K | $20.70 |
| 2026-01-22 | COLLAZO ANDRES | Tax withheld | 281 | $20.70 |
| 2026-01-22 | Anderson Robert B. | Tax withheld | 514 | $20.70 |
| 2026-01-21 | Anderson Robert B. | Tax withheld | 1.1K | $20.38 |
| 2026-01-21 | BUSTLE NICHOLAS | Tax withheld | 687 | $20.38 |
| 2026-01-21 | GUERRA-KATTOU MARTHA | Tax withheld | 584 | $20.38 |
| 2026-01-21 | DE LA AGUILERA LUIS | Tax withheld | 3.2K | $20.38 |
| 2026-01-21 | Logrono Maricarmen | Tax withheld | 581 | $20.38 |
| 2026-01-21 | COLLAZO ANDRES | Tax withheld | 600 | $20.38 |
| 2026-01-21 | GOMEZ OSCAR | Tax withheld | 605 | $20.38 |
| 2026-01-21 | Turner William | Tax withheld | 548 | $20.38 |
| 2025-12-31 | DE LA AGUILERA LUIS | Tax withheld | 16K | $18.42 |
| 2025-12-31 | Anderson Robert B. | Tax withheld | 3.6K | $18.42 |
| 2025-12-11 | WYCOFF W KIRK | Sell | 39K | $18.68 |
| 2025-12-10 | WYCOFF W KIRK | Sell | 82K | $18.56 |
| 2025-12-02 | WYCOFF W KIRK | Sell | 15K | $17.75 |
| 2025-12-01 | Feinglass Howard | Option exercise | 7.5K | $7.50 |
| 2025-11-25 | WYCOFF W KIRK | Sell | 23K | $18.06 |
| 2025-11-24 | WYCOFF W KIRK | Sell | 21K | $18.02 |
| 2025-10-28 | BUSTLE NICHOLAS | Tax withheld | 1.6K | $17.60 |
| 2025-10-28 | COLLAZO ANDRES | Tax withheld | 1.2K | $17.60 |
| 2025-10-28 | GOMEZ OSCAR | Tax withheld | 1.2K | $17.60 |
| 2025-10-28 | GUERRA-KATTOU MARTHA | Tax withheld | 1.6K | $17.60 |
| 2025-10-08 | LEVITAN AIDA | Gift | 10K | — |
| 2025-09-16 | WYCOFF W KIRK | Disposition | 1.2M | $17.19 |
| 2025-09-12 | LEVITAN AIDA | Option exercise | 7.5K | $7.50 |
| 2025-09-12 | LEVITAN AIDA | Option exercise | 2.5K | $7.50 |
| 2025-09-12 | Feinglass Howard | Other | 50K | — |
| 2025-09-08 | GUERRA-KATTOU MARTHA | Sell | 6.0K | $16.85 |
| 2025-09-08 | GUERRA-KATTOU MARTHA | Option exercise | 6.0K | $7.50 |
| 2025-09-02 | WYCOFF W KIRK | Disposition | 1.2M | $17.19 |
| 2025-09-02 | Feinglass Howard | Other | 500K | — |
| 2025-05-22 | DE LA AGUILERA LUIS | Option exercise | 25K | $7.50 |
| 2025-05-22 | DE LA AGUILERA LUIS | Sell | 25K | $16.70 |
| 2025-05-21 | DE LA AGUILERA LUIS | Option exercise | 5.0K | $7.50 |
| 2025-05-21 | DE LA AGUILERA LUIS | Sell | 5.0K | $16.94 |
| 2025-03-10 | Anderson Robert B. | Tax withheld | 1.0K | $17.81 |
| 2025-03-10 | GOMEZ OSCAR | Tax withheld | 432 | $17.81 |
| 2025-03-10 | COLLAZO ANDRES | Tax withheld | 433 | $17.81 |
| 2025-03-10 | BUSTLE NICHOLAS | Tax withheld | 493 | $17.81 |
| 2025-03-10 | GUERRA-KATTOU MARTHA | Tax withheld | 407 | $17.81 |
| 2025-03-10 | Logrono Maricarmen | Tax withheld | 223 | $17.81 |
| 2025-03-10 | DE LA AGUILERA LUIS | Tax withheld | 2.6K | $17.81 |
| 2025-01-22 | GUERRA-KATTOU MARTHA | Tax withheld | 262 | $18.27 |
| 2025-01-22 | Logrono Maricarmen | Tax withheld | 260 | $18.27 |
| 2025-01-22 | COLLAZO ANDRES | Tax withheld | 281 | $18.27 |
| 2025-01-22 | GOMEZ OSCAR | Tax withheld | 284 | $18.27 |
| 2025-01-21 | Logrono Maricarmen | Grant | 5.9K | — |
| 2025-01-21 | Logrono Maricarmen | Grant | 5.9K | — |
| 2025-01-21 | BUSTLE NICHOLAS | Grant | 6.9K | — |
| 2025-01-21 | GOMEZ OSCAR | Grant | 6.1K | — |
| 2025-01-21 | COLLAZO ANDRES | Grant | 6.1K | — |
| 2025-01-21 | GUERRA-KATTOU MARTHA | Grant | 5.9K | — |
| 2025-01-21 | Turner William | Grant | 5.5K | — |
| 2025-01-21 | DE LA AGUILERA LUIS | Grant | 26K | — |
| 2025-01-21 | Anderson Robert B. | Grant | 8.8K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-06-01 | OtherExhibits | filing ↗ |
| 2026-05-27 | Shareholder voteOtherExhibits | filing ↗ |
| 2026-05-01 | 1.02Exhibits | filing ↗ |
| 2026-04-23 | ResultsReg FDExhibits | filing ↗ |
| 2026-04-20 | Reg FDExhibits | filing ↗ |
| 2026-04-08 | Exec/director changeExhibits | filing ↗ |
| 2026-02-04 | Exec/director changeExhibits | filing ↗ |
| 2026-01-30 | Exec/director changeExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-01 | 2026-06-01 | 0000927089-26-000105 ↗ |
| 8-K | 2026-05-27 | 2026-05-26 | 0000927089-26-000099 ↗ |
| 10-Q | 2026-05-08 | 2026-03-31 | 0001562762-26-000062 ↗ |
| 8-K | 2026-05-01 | 2026-04-29 | 0000927089-26-000084 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0001562762-26-000054 ↗ |
| 8-K | 2026-04-20 | 2026-04-20 | 0000927089-26-000064 ↗ |
| 8-K | 2026-04-08 | 2026-04-06 | 0000927089-26-000058 ↗ |
| 10-K | 2026-03-13 | 2025-12-31 | 0001562762-26-000027 ↗ |
| 8-K | 2026-02-04 | 2026-01-30 | 0000927089-26-000019 ↗ |
| 8-K | 2026-01-30 | 2026-01-28 | 0000927089-26-000015 ↗ |
| 8-K | 2026-01-22 | 2026-01-22 | 0001562762-26-000006 ↗ |
| 8-K | 2026-01-20 | 2026-01-20 | 0000927089-26-000005 ↗ |