Atlanticus (ATLC) CEO has 2,885 shares withheld to cover tax bill

Rhea-AI Filing Summary

Atlanticus Holdings Corp President and CEO Howard Jeffrey A. reported a routine tax-related share withholding. On March 13, 2026, 2,885 shares of common stock were withheld at a price of $47.96 per share to cover tax obligations upon vesting of a restricted stock award. After this non-market transaction, he directly holds 609,445 shares of Atlanticus common stock.

Insights

Insider trading and corporate governance analyst

Routine tax withholding; no open-market buying or selling.

The filing shows Atlanticus Holdings Corp President & CEO Howard Jeffrey A. had 2,885 common shares withheld to satisfy tax obligations tied to a restricted stock vesting. The shares were valued using the $47.96 closing price on March 13, 2026.

This is coded as an F transaction, a tax-withholding disposition, not an open-market sale or purchase. Following the withholding, he directly owns 609,445 shares, so the event represents a very small portion of his holdings and appears to be a standard compensation-related mechanism.

The filing does not indicate any related derivative exercises or additional transactions, and there is no reference to a trading plan. Subsequent company filings may provide broader context on future equity awards or additional insider activity.

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

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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^*

Howard Jeffrey A.

(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)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President & CEO

3. Date of Earliest Transaction (Month/Day/Year)
03/13/2026

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	03/13/2026		F(1)		2,885	D	$47.96	609,445	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 13, 2026.

	/s/ Jeffrey A. Howard	03/17/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider transaction did Atlanticus (ATLC) report for its CEO?

Atlanticus reported that President and CEO Howard Jeffrey A. had 2,885 common shares withheld to cover tax obligations on a vesting restricted stock award. This is a compensation-related, non-market disposition rather than an open-market share sale or purchase.

Was the Atlanticus (ATLC) CEO buying or selling shares in this Form 4?

The CEO was not buying or selling shares on the open market. Instead, 2,885 shares were withheld to satisfy tax withholding obligations on a restricted stock vesting, a standard mechanism that settles taxes using company stock rather than cash.

At what price were Atlanticus (ATLC) shares valued for the tax withholding?

The withheld Atlanticus shares were valued at $47.96 per share, based on the closing price on March 13, 2026. This price was used solely to calculate the number of shares needed to satisfy the CEO’s tax obligation from the restricted stock vesting.

How many Atlanticus (ATLC) shares does the CEO hold after this transaction?

After the tax-withholding disposition, the CEO directly holds 609,445 shares of Atlanticus common stock. The 2,885 shares withheld for taxes represent a small fraction of his total reported direct ownership following the transaction disclosed in this Form 4.

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

Transaction code F indicates shares were withheld to pay an exercise price or tax liability. In this case, 2,885 Atlanticus shares were withheld to cover tax obligations when a restricted stock award vested, rather than being sold in the open market.

Does the Atlanticus (ATLC) Form 4 show any option exercises or derivative trades?

The Form 4 does not report any option exercises or derivative security transactions. It only records a non-derivative tax-withholding event, where common shares were withheld upon vesting of a restricted stock award to cover the CEO’s tax obligations.