Atlanticus (ATLC) CEO receives 74,294-share restricted stock grant

Rhea-AI Filing Summary

Atlanticus Holdings Corp President & CEO Howard Jeffrey A. reported routine equity compensation and related tax withholding. On March 19, he received a grant of 74,294 shares of common stock as restricted stock, at no cash cost, raising his direct holdings to 683,739 shares.

According to the footnotes, this restricted stock will vest in three substantially equal installments on March 19, 2027, March 19, 2028 and March 19, 2029. On March 20, 474 shares were withheld at $54.67 per share to satisfy tax obligations upon vesting, a non‑market disposition. After these transactions, he directly holds 683,265 common shares.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Howard Jeffrey A.

Role President & CEO

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	474	$54.67	$26K
Grant/Award	Common Stock	74,294	$0.00	--

Holdings After Transaction: Common Stock — 683,265 shares (Direct)

Footnotes (1)

1. Grant of restricted stock, which will vest in three substantially equal installments on March 19, 2027, March 19, 2028 and March 19, 2029. 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.

Form 4 Insider Transactions: What Each Field Means →

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^*

Howard Jeffrey A.

(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)

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

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)		74,294	A	$0	683,739	D
Common Stock	03/20/2026		F(2)		474	D	$54.67	683,265	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. 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/ Jeffrey A. Howard	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)

FAQ

What insider transactions did Atlanticus (ATLC) CEO Howard Jeffrey A. report?

Howard Jeffrey A. reported a grant of 74,294 restricted common shares and a small tax-withholding share disposition. The award increased his direct stake, while 474 shares were withheld to cover tax obligations tied to the vesting event.

How many Atlanticus (ATLC) shares did the CEO receive and at what price?

The CEO received 74,294 shares of Atlanticus common stock as a restricted stock grant at a stated price of $0.00 per share. This represents equity compensation rather than a market purchase, expanding his direct ownership position in the company.

What is the vesting schedule for the Atlanticus (ATLC) restricted stock grant?

The 74,294-share restricted stock grant will vest in three substantially equal installments on March 19, 2027, March 19, 2028 and March 19, 2029. This structure is designed to align the CEO’s incentives with the company’s longer-term performance over several years.

Why were 474 Atlanticus (ATLC) shares disposed of in the Form 4 filing?

The 474-share disposition reflects stock withheld to satisfy tax withholding obligations upon the vesting of restricted stock. The shares were valued using Atlanticus’s closing price of $54.67 on March 20, 2026, and do not represent an open-market sale by the CEO.

How many Atlanticus (ATLC) shares does the CEO hold after these transactions?

Following the grant and tax-withholding disposition, the CEO directly holds 683,265 shares of Atlanticus common stock. This figure reflects his post-transaction ownership and indicates that the overall Form 4 activity increased his net equity stake in the company.

Is the Atlanticus (ATLC) CEO’s share disposition a bearish signal for investors?

The reported disposition is tax withholding of 474 shares tied to restricted stock vesting, not a discretionary market sale. Such withholdings are routine administrative events and generally do not signal a change in the insider’s view of Atlanticus’s prospects.