<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0508</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2025-01-22</periodOfReport>

    <issuer>
        <issuerCik>0001901637</issuerCik>
        <issuerName>USCB FINANCIAL HOLDINGS, INC.</issuerName>
        <issuerTradingSymbol>USCB</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001916662</rptOwnerCik>
            <rptOwnerName>COLLAZO ANDRES</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O USCB FINANCIAL HOLDINGS, INC.</rptOwnerStreet1>
            <rptOwnerStreet2>2301 N.W. 87TH AVENUE</rptOwnerStreet2>
            <rptOwnerCity>DORAL</rptOwnerCity>
            <rptOwnerState>FL</rptOwnerState>
            <rptOwnerZipCode>33172</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isOfficer>1</isOfficer>
            <officerTitle>Executive VP, Operations &amp; IT</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <aff10b5One>0</aff10b5One>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Voting Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2025-01-22</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>F</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>281</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>18.27</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>29395</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Options to Purchase Class A Voting Stock</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>12.0500</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2022-09-27</value>
                <footnoteId id="F2"/>
            </exerciseDate>
            <expirationDate>
                <value>2031-09-27</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Class A Voting Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>30000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>30000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Includes 1,897 shares of restricted stock of which 949 shares vest on January 22, 2026 and 948 shares vest on January 22, 2027, 3,526 shares of restricted stock which commenced vesting at a rate of one-third per year on March 8, 2024, 15,000 shares of restricted stock which vest at a rate of one-third per year commencing on October 28, 2025 and 6,064 shares of restricted stock which vest at a rate of one-third per year commencing on January 21, 2026.</footnote>
        <footnote id="F2">The stock options vest at the rate of one-third per year commencing on September 27, 2022.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/</signatureName>
        <signatureDate>2025-01-22</signatureDate>
    </ownerSignature>
</ownershipDocument>
