Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 2

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 2
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, issue and sell from time to time up to $100,000,000, together or separately, in one or more offerings, the above-referenced
securities. In addition, the Selling Securityholders (as defined herein) identified in this prospectus may offer and sell from time to time up to 9,004,218 shares of our Class A Common Stock. The securities we may offer may be convertible into
or exchangeable for other securities. This prospectus describes some of the general terms that may apply to these securities and the general manner in which they may be offered. Each time we offer any securities pursuant to this prospectus, we will
provide you with a prospectus supplement that will describe the specific amounts, prices and terms of the securities being offered and the specific manner in which they may be offered. You should read this prospectus, the information incorporated by
reference in this prospectus, the accompanying prospectus supplement, including any information incorporated by reference therein, and any applicable free writing prospectus carefully before you invest in the securities described in the applicable
prospectus supplement.

Our Class A Common Stock is listed on the Nasdaq Stock Market (“Nasdaq”) and trades under the ticker
symbol “USCB.” On May 1, 2025, the last reported sale price on Nasdaq of our Class A common stock was $16.78 per share.

We may offer and sell these securities to or through one or more underwriters, dealers and agents, directly to purchasers or through a
combination of these methods, on a continuous or delayed basis from time to time. See “Plan of Distribution.” The names of any underwriters, dealers or agents involved in the distribution of our securities, their compensation and
any option they hold to acquire additional securities will be described in the applicable prospectus supplement. Net proceeds from the sale of securities will be set forth in the applicable prospectus supplement.

Investing in our securities involves certain risks. Before buying our securities, you should carefully consider the risks described under the caption “Risk Factors” beginning on page 8 of this prospectus, and in the documents incorporated by reference into this prospectus and included or incorporated by reference into.

These securities are not savings accounts, deposits or other obligations of any of our bank and non-banksubsidiaries and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

None of the U.S. Securities and Exchange Commission, any state securities commission, the Federal Deposit Insurance Corporation, the