Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 18

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 18
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 shares entitled to dividends, the holders thereof shall be entitled to cumulative,                                                                                                                                             
 noncumulative or partially cumulative dividends, the dividend rate or rates (including the methods and procedures for determining such rate or rates), and any other terms and conditions relating to such dividends (including the relation which such 
 dividends shall bear to the dividends payable on any other class or series of the Corporation’s capital stock);                                                                                                                                         |

| • |     | whether, and, if so, to what extent and upon what terms and conditions, the holders thereof shall be entitled to                                
 rights upon the voluntary or involuntary liquidation, dissolution or winding-up of, or upon any distribution of the assets of, the Corporation; |

| • |     | whether, and, if so, upon what terms and conditions, such shares shall be convertible into, or exchangeable for, 
 other securities or property;                                                                                    |

| • |     | whether, and, if so, upon what terms and conditions, such shares shall be redeemable by the Corporation; |

| • |     | whether the shares shall be subject to any sinking fund provided for the purchase or redemption of such shares 
 and, if so, the terms and amount of such fund;                                                                 |

| • |     | whether the holders thereof shall be entitled to voting rights and, if so, the terms and conditions for the 
 exercise thereof; and                                                                                       |

| • |     | whether the holders thereof shall be entitled to other relative, participating, optional or other special powers,                                                                           
 preferences or rights that are not inconsistent with the terms of our Articles of Incorporation and, if so, the qualifications, limitations and restrictions of such preferences or rights. |

Without shareholder approval, we could issue Preferred Stock that could impede or discourage an acquisition attempt or other transaction that some, or a majority, of our shareholders may believe is in their best -14-

interests or in which they may receive a premium for their Common Stock over the market price of the Common Stock. While the terms of Preferred Stock may vary from series to series, holders of
our Common Stock should assume that all shares of Preferred Stock will be senior to our Common Stock in respect of distributions and on liquidation. As of December 31, 2024, zero shares of Preferred Stock were outstanding.

Upon the issuance and payment for shares of Preferred Stock, the shares will be fully paid and nonassessable. Except as otherwise may be
specified in the prospectus supplement relating to a particular series of Preferred Stock, holders of Preferred