Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 11

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 11
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 telephone number at that office
is (305) 715-5200.

Additional information about us and our subsidiaries is included in
documents incorporated by reference in this prospectus. See “Where You Can Find More Information.”

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RISK FACTORS

Investing in securities issued by us involves certain risks. Before you invest in any securities issued by us, in addition to the other
information included in, or incorporated by reference into, this prospectus, as well as the information contained in any applicable prospectus supplement, you should carefully consider the risk factors contained in the section titled “Item 1A.
Risk Factors” and elsewhere in our Annual Report on Form 10-K for the year ended December 31, 2024, which is incorporated by reference into this prospectus, as updated by our Annual or Quarterly
Reports for subsequent fiscal years or fiscal quarters that we have filed or will file with the SEC and that are so incorporated. See “Where You Can Find More Information” for information about how to obtain a copy of these
documents. You should also carefully consider the risks and other information that may be contained in, or incorporated by reference into, any prospectus supplement relating to specific offerings of securities. Additional risks and uncertainties not
presently known to us or that we currently deem immaterial may also materially and adversely affect our business and operations.

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USE OF PROCEEDS

We intend to use the net proceeds from the sales of the securities in the manner and for the purposes that will be set forth in the applicable
prospectus supplement, which may include general corporate purposes.

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DESCRIPTION OF COMMON STOCK

We may issue, separately or together with, or upon conversion, exercise or exchange of other securities, shares of our common stock as set forth in the applicable prospectus supplement and the Selling Securityholders may sell shares of our common stock pursuant to this prospectus. The following section describes the material features and rights of our common stock, $1.00 par value per share. The summary does not purport to be exhaustive and is qualified in its entirety by reference to our Articles of Incorporation and our Bylaws, each of which is incorporated by reference as an exhibit to the registration statement of which this prospectus forms a part, and to applicable Florida law, including the FBCA.

General

We are authorized to issue a total of 68,600,000 shares of capital stock, $1.00 par value, consisting of 53,000,000 shares of common