Atlanticus CAO granted stock; shares withheld for tax

Atlanticus Holdings Corp Chief Accounting Officer Saunders Mitchell reported routine equity compensation and related tax withholding.

Rhea-AI Filing Summary

Atlanticus Holdings Corp Chief Accounting Officer Saunders Mitchell reported routine equity compensation and related tax withholding. On March 19, 2026, Mitchell received two grants of common stock: 3,715 shares of restricted stock that will cliff vest on March 19, 2031, and 929 shares of restricted stock that will vest in three substantially equal installments on March 19, 2027, March 19, 2028, and March 19, 2029. On March 20, 2026, 70 shares of common stock were withheld at a price of $54.67 per share to satisfy tax obligations upon vesting. After these transactions, Mitchell directly owned 56,273 shares of Atlanticus common stock.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Saunders Mitchell

Role Chief Accounting Officer

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock	70	$54.67	$4K
Grant/Award	Common Stock	929	$0.00	$0.00
Grant/Award	Common Stock	3,715	$0.00	$0.00

Holdings After Transaction: Common Stock — 56,273 shares (Direct)

Footnotes (3)

1. F1. Grant of restricted stock, which will vest in three substantially equal installments on March 19, 2027, March 19, 2028 and March 19, 2029.
2. F2. Grant of restricted stock, which will cliff vest on March 19, 2031.
3. F3. 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 20, 2026.

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Accepted by SEC EDGAR 03/23/2026 - 07:17 PM EDT Learn about SEC filing dates

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
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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 GEORGIA 30328

(City) (State) (Zip)

UNITED STATES

(Country)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
03/19/2026

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

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

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

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	03/19/2026		A(1)		929	A	$0	52,628	D
Common Stock	03/19/2026		A(2)		3,715	A	$0	56,343	D
Common Stock	03/20/2026		F(3)		70	D	$54.67	56,273	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. Grant of restricted stock, which will vest in three substantially equal installments on March 19, 2027, March 19, 2028 and March 19, 2029.

2. Grant of restricted stock, which will cliff vest on March 19, 2031.

3. 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 20, 2026.

	/s/ Mitchell Saunders	03/23/2026
	** 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.
* Form 4: SEC 1474 (03-26)