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

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 3
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 Board of
Governors of the Federal Reserve System or any other regulatory body has approved or disapproved of these securities or determined if this prospectus is accurate or complete. Any representation to the contrary is a criminal offense.

The date of this prospectus is , 2025.

TABLE OF CONTENTS

|                                     |     | Page |    |
| About this Prospectus               |     |      |  1 |
| Where You Can Find More Information |     |      |  3 |
| Forward-Looking Statements          |     |      |  4 |
| Prospectus Summary                  |     |      |  6 |
| Risk Factors                        |     |      |  8 |
| Use of Proceeds                     |     |      |  9 |
| Description of Common Stock         |     |      | 10 |
| Description of Preferred Stock      |     |      | 14 |
| Description of Debt Securities      |     |      | 17 |
| Description of Depositary Shares    |     |      | 30 |
| Description of Warrants             |     |      | 33 |
| Description of Purchase Contracts   |     |      | 35 |
| Description of Subscription Rights  |     |      | 36 |
| Description of Units                |     |      | 37 |
| Selling Securityholders             |     |      | 38 |
| Plan of Distribution                |     |      | 40 |
| Legal Matters                       |     |      | 42 |
| Experts                             |     |      | 42 |

ABOUT THIS PROSPECTUS

This prospectus is part of a registration statement on Form S-3 that we filed with the U.S. Securities
and Exchange Commission (“SEC”), using a “shelf” registration process. Under this shelf registration statement, we may offer and sell from time to time, separately or together, any combination of our common stock, preferred
stock, debt securities, depositary shares, warrants, purchase contracts, subscription rights and units in one or more offerings at an aggregate offering price of up to $100,000,000. The preferred stock, debt securities, warrants, purchase contracts,
subscription rights and units may be convertible into, or exercisable or exchangeable for, our common or preferred stock or other securities issued by us, or debt or equity securities issued by one or more other entities. In addition, the
registration statement of which this prospectus is a part covers an aggregate of 9,004,218 un