Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 46

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 46
---
 exchange and exercise of the subscription rights;                                                           |

| • |     | the date on which the right to exercise the subscription rights will commence, and the date on which the 
 subscription rights will expire;                                                                         |

| • |     | the extent to which the subscription rights may include an over-subscription privilege with respect to        
 unsubscribed securities or an over-allotment privilege to the extent the securities are fully subscribed; and |

| • |     | if applicable, the material terms of any standby underwriting or purchase arrangement entered into by us in 
 connection with the offering of subscription rights.                                                        |

The description in the applicable prospectus supplement of any subscription rights we offer will not necessarily be complete and is subject to, and will be qualified in its entirety by reference to, the applicable subscription rights agreement and subscription rights certificate, which will be filed with the SEC in connection with any offering of subscription rights. -36-

DESCRIPTION OF UNITS We may issue units comprised of any combination of two or more of the other securities described in this prospectus and as specified in the applicable prospectus supplement. Each unit will be issued so that the holder of the unit is also the holder, with rights and obligations of a holder, of each security included in the unit. The units may be issued under unit agreements to be entered into between us and a unit agent. The applicable prospectus supplement will specify the terms of the units, including:

| • |     | the designation and terms of the units and of any of the securities comprising the units, including whether and 
 under what circumstances the securities comprising the units may be held or transferred separately;             |

| • |     | a description of the terms of any unit agreement governing the units; |

| • |     | a description of the provisions for the issuance, payment, settlement, transfer or exchange of the units or of 
 the securities comprising the units;                                                                           |

| • |     | a discussion of material United States federal income tax considerations, if applicable; and |

| • |     | whether the units, if issued as a separate security, will be issued in fully registered or global form. |

The description in the applicable prospectus supplement of any units we offer will not necessarily be complete and is subject to, and will be qualified in its entirety by reference to, the applicable unit agreement, if any, which will be filed with the SEC in connection with any offering of units. -37-

SELLING SECURITYHOLDERS

As described above under “Prospectus Summary — Description of