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

    <schemaVersion>X0508</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2026-03-08</periodOfReport>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001999607</rptOwnerCik>
            <rptOwnerName>Logrono Maricarmen</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>EVP and Chief Risk Officer</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <aff10b5One>0</aff10b5One>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Voting Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2026-03-08</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>F</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>197</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>18.45</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>15892</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>15000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>15000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Includes 876 shares of restricted stock from a grant of 2,630 shares which commenced vesting at a rate of one-third per year on January 22, 2025, 3,920 shares of restricted stock from a grant of 5,880 shares which commenced vesting at a rate of one-third per year on January 21, 2026 and 6,217 shares of restricted stock which vest at the rate of one-third per year commencing on January 27, 2027.</footnote>
        <footnote id="F2">The options vested at a rate of one-third per year commencing on September 27, 2021.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ Robert Anderson by P.O.A. for Maricarmen Logrono</signatureName>
        <signatureDate>2026-03-10</signatureDate>
    </ownerSignature>
</ownershipDocument>
