📜 What This Document Is 🚨

This filing is an 8-K, which is a mandatory report filed with the Securities and Exchange Commission (SEC) to announce important, unscheduled events that shareholders need to know about immediately. Essentially, it's a formal public notice about a major corporate action.

👉 The headline is the declaration of a quarterly cash dividend, which is a direct payout of cash to the company's shareholders. This is a huge signal of financial stability and management's confidence.

🏦 About USCB Financial Holdings, Inc. 🏘️

This section introduces the company, establishing its background, size, and operational focus for readers unfamiliar with the name. USCB Financial Holdings, Inc. is the holding company for U.S. Century Bank.

👉 Founded in 2002, U.S. Century Bank is a significant regional player, being one of the largest community banks headquartered in Miami and in Florida.

The bank emphasizes its local connection and community support, noting that it supports organizations like the Greater Miami Chamber of Commerce and the South Florida Hispanic Chamber of Commerce. This shows the company views itself as integral to the local economy.

💸 Dividend Declaration Details 👑

This is the core announcement of the filing. The Board of Directors has officially declared a regular quarterly cash dividend. Dividends are essentially regular payments made to shareholders out of the company's profits.

• Dividend Amount: The declared dividend is $0.125 per share of Class A common stock.
  • Why it matters: This is the exact amount of cash that will be paid out to each share owned by the investor, signaling a commitment to returning capital to owners.
• Payment Date: Shareholders will receive the dividend on June 5, 2026.
• Record Date: To receive the dividend, shareholders must own the stock as of the close of business on May 15, 2026.
  • Why it matters: The record date is the critical deadline. If you do not own the stock by the end of the business day on May 15, 2026, you will not receive this payment.

🗓️ Future Payments and Requirements ⏳

Management included important caveats about the dividend, reminding the public that this payment is not guaranteed forever.

👉 The dividend is subject to a quarterly review and requires explicit approval from the Board of Directors for all future payments. This protection clause signals prudent governance and risk management.

🌟 Company Strength & Rating ⭐️

The filing provides information about the bank's market reputation and stability, which is crucial for investor confidence.

• Independent Rating: U.S. Century Bank holds a 5-Star rating from BauerFinancial, which is noted as the nation's leading independent bank rating firm.
  • Why it matters: High ratings from respected third parties are powerful indicators of the bank's financial health and stability within the industry.

📞 How to Get More Information 📧

Investors who have questions or need more details about the company's finances and opportunities are provided with specific contact information for Investor Relations.

• Email: [email protected]
• Key Contact: Martha Guerra-Kattou
• Phone: (305) 715-5141

🧠 The Analogy

Think of declaring a dividend like a reliable restaurant owner announcing a predictable "happy hour" deal for their regulars. The owner (USCB) is signaling to its owners (the shareholders) that they have enough cash on hand right now to share a predictable amount of profit. However, by mentioning that future deals must be approved quarterly, they are also saying, "This is a great deal now, but we promise to keep monitoring our supplies and finances to ensure we can keep doing it!"

🧩 Final Takeaway

USCB Financial Holdings, Inc. has declared a cash dividend of $0.125 per share, paid out on June 5, 2026. This move, backed by a 5-Star rating, is a strong signal of current stability and commitment to shareholders, but investors must remember that all future payments are contingent upon continued Board approval.