Atlanticus director granted 1,050 restricted shares

Atlanticus Holdings Corp director reports stock grant.

Rhea-AI Filing Summary

Atlanticus Holdings Corp director reports stock grant. Director JAMES DENNIS H JR reported receiving a grant of 1,050 shares of Atlanticus common stock on 01/02/2026, coded as an acquisition at a price of $0. The footnote explains this is restricted stock that will vest in two equal installments on each of the first two anniversaries of the grant date.

After this grant, he beneficially owns 23,378 common shares directly, plus 160 shares held indirectly through an IRA and 660 shares held indirectly through his children.

Insider Trade Summary

Grant/Award: 1,050 shares

Grant/Award 3 txns

Insider JAMES DENNIS H JR

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,050	$0.00	$0.00
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 23,378 shares (Direct); Common Stock — 160 shares (Indirect, By IRA); Common Stock — 660 shares (Indirect, By Children)

Footnotes (1)

1. F1. Grant of restricted stock, which will vest in two equal installments on each of the first two anniversaries of the date of the grant.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did Atlanticus (ATLC) report in this Form 4?

The Form 4 shows director JAMES DENNIS H JR received a grant of 1,050 shares of Atlanticus common stock on 01/02/2026, recorded as an acquisition at $0 per share.

Is the 1,050-share grant to the Atlanticus director restricted stock?

Yes. A footnote states it is a grant of restricted stock, which will vest in two equal installments on each of the first two anniversaries of the grant date.

How many Atlanticus shares does the director own after this Form 4 transaction?

Following the reported grant, the director beneficially owns 23,378 common shares directly, 160 shares indirectly through an IRA, and 660 shares indirectly through his children.

What is the reporting person’s relationship to Atlanticus Holdings Corp (ATLC)?

The reporting person, JAMES DENNIS H JR, is listed as a director of Atlanticus Holdings Corp and is not marked as a 10% owner or officer.

Were any derivative securities reported in this Atlanticus Form 4?

No derivative securities are listed in Table II. The filing only reports non-derivative common stock, including the restricted stock grant and indirect holdings.

How are the indirect Atlanticus share holdings of the director structured?

The filing shows 160 Atlanticus common shares held indirectly by IRA and 660 shares held indirectly by children, both reported as indirect beneficial ownership.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 01/06/2026 - 04:31 PM 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
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^*

JAMES DENNIS H JR

(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
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/02/2026

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	01/02/2026		A(1)		1,050	A	$0	23,378	D
Common Stock								160	I	By IRA
Common Stock								660	I	By Children

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 two equal installments on each of the first two anniversaries of the date of the grant.

	/s/ Dennis H. James, Jr.	01/06/2026
	** 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.