Atlanticus Holdings (ATLC) CAO has shares withheld to cover taxes

Rhea-AI Filing Summary

Atlanticus Holdings Corp Chief Accounting Officer Mitchell Saunders reported a small, routine insider transaction. The company withheld 124 shares of common stock at $54.81 per share to cover tax obligations when a restricted stock award vested, based on the March 6, 2026 closing price. After this tax-withholding disposition, Saunders directly holds 51,851 shares of Atlanticus common stock.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Saunders Mitchell

(Last) (First) (Middle)

C/O ATLANTICUS HOLDINGS CORPORATION

FIVE CONCOURSE PARKWAY, SUITE 300

(Street)

ATLANTA GA 30328

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Atlanticus Holdings Corp [ ATLC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Accounting Officer

3. Date of Earliest Transaction (Month/Day/Year)
03/08/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	03/08/2026		F(1)		124	D	$54.81	51,851	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Reflects shares of Atlanticus Holdings Corporation common stock withheld to satisfy tax withholding obligations upon the vesting of the restricted stock award, based on the closing price of Atlanticus Holdings Corporation common stock on March 6, 2026.

	/s/ Mitchell Saunders	03/10/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Atlanticus (ATLC) Chief Accounting Officer Mitchell Saunders report?

Mitchell Saunders reported a tax-withholding disposition of Atlanticus common stock. The company withheld 124 shares at $54.81 per share to satisfy tax obligations arising from the vesting of a restricted stock award, rather than an open-market sale.

Did the Atlanticus (ATLC) insider Form 4 reflect an open-market sale or purchase?

The Form 4 shows no open-market sale or purchase. It records an F-code transaction, meaning shares were withheld by the company to pay tax liabilities on vested restricted stock, not a discretionary trade by the executive in the market.

How many Atlanticus (ATLC) shares were withheld for taxes in the reported transaction?

Atlanticus withheld 124 shares of common stock from Mitchell Saunders. The withholding was calculated using the $54.81 closing price on March 6, 2026, and was applied to cover tax obligations triggered by a restricted stock award vesting.

How many Atlanticus (ATLC) shares does Mitchell Saunders hold after the tax-withholding event?

Following the tax-withholding disposition, Mitchell Saunders directly holds 51,851 shares of Atlanticus common stock. This figure reflects his position after the company retained 124 shares to satisfy tax obligations related to the vesting restricted stock award.

What does transaction code F mean in the Atlanticus (ATLC) Form 4 filing?

Transaction code F indicates payment of an exercise price or tax liability by delivering securities. In this case, Atlanticus withheld 124 shares of common stock from a vesting restricted stock award to cover Saunders’ tax withholding obligations, instead of a market sale.