Insider selling is routine in magnitude and pattern (CEO exercising cheap options and selling to cover). No material signal for a $344M bank. Monitor next 10-Q for loan book quality and net interest margin trends — those are the real drivers for USCB.
Price Chart
Executive Summary
CEO Luis de la Aguilera and 10% owner Kirk Wycoff sold a combined $416K in open-market sales over a 7-day window, representing ~0.12% of USCB's $344M market cap. The CEO's sales coincide with derivative exercises at $11.35 strike, locking in a ~60% gain — a routine cashless exercise pattern. The dollar amount is modest relative to company size, but the cluster involves both top insiders selling simultaneously.
Key Financial Metrics
Key Facts
- CEO Luis de la Aguilera sold 40,000 shares total across May 5-7 at ~$18.14-$18.16, netting $725K in proceeds
- CEO simultaneously exercised options at $11.35 strike (40,000 shares) and $0 strike (40,000 shares) — non-cash events
- 10% owner Kirk Wycoff sold 12,800 shares on May 1 at $18.28 for $235K
- Total open-market sales: $416K, or ~0.12% of $344M market cap
- Cluster includes 9 total transactions but only 4 are open-market sales — the rest are derivative exercises with $0 economic value
- Prior 30-day insider activity: 4 sells totaling $960K — this cluster adds $416K to that total
Financial Impact
Total insider sales of $416K represent 0.12% of market cap — immaterial
Risk Factors
- CEO selling alongside 10% owner could signal lack of conviction if selling accelerates in future quarters
- Regional bank sector faces margin compression risk — insider sales may be precautionary portfolio diversification
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 SEC document filed with EDGAR.
| Document | Accession Number |
|---|---|
| CLUSTER Data (Synthetic) | cluster-USCB-1778523712633 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 3d ago | Press Release | $22.34 | awaiting T+60 | — | $19.99 (−10.52%) |
Oct 22, 2026 3d ago | 8-K | $22.34 | awaiting T+60 | — | $19.99 (−10.52%) |
Oct 19, 2026 6d ago | 8-K | $22.49 | awaiting T+60 | — | $19.99 (−11.12%) |
Oct 19, 2026 6d ago | Press Release | $22.49 | awaiting T+60 | — | $19.99 (−11.12%) |
Jul 28, 2026 12w ago | 8-K | $22.65 $22.29 | ▼ −1.59% | ▼ −5.94% | $19.99 (−11.74%) |
Jul 23, 2026 13w ago | Press Release | $21.67 $22.24 | ▲ +2.63% | ▼ −0.66% | $19.99 (−7.75%) |
Jul 23, 2026 13w ago | 8-K | $21.67 $22.24 | ▲ +2.63% | ▼ −0.66% | $19.99 (−7.75%) |
Jul 20, 2026 13w ago | Press Release | $20.42 $22.15 | ▲ +8.47% | ▲ +4.50% | $19.99 (−2.11%) |
Jul 6, 2026 15w ago | Press Release | $20.23 $21.83 | ▲ +7.91% | ▲ +5.70% | $19.99 (−1.19%) |
May 27, 2026 21w ago | 8-K | $18.54 $22.44 | ▲ +21.04% | ▲ +19.30% | $19.99 (+7.82%) |
US Market Status
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