Atlanticus (ATLC) Chief Accounting Officer has 152 shares withheld for tax obligations

Rhea-AI Filing Summary

Atlanticus Holdings Corp Chief Accounting Officer reports small tax-related share disposition. Chief Accounting Officer Saunders Mitchell had 152 shares of Atlanticus common stock withheld on March 13, 2026 to cover tax obligations when a restricted stock award vested, based on the closing share price that day. After this tax-withholding transaction, Mitchell directly holds 51,699 shares of Atlanticus common stock. This was not an open-market sale, but a routine mechanism to satisfy tax liabilities tied to equity compensation.

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)
03/13/2026

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)		152	D	$47.96	51,699	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/ Mitchell Saunders	03/17/2026
	** 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) disclose for Saunders Mitchell?

Atlanticus disclosed that Chief Accounting Officer Saunders Mitchell had 152 common shares withheld to satisfy tax obligations on a vesting restricted stock award. The shares were valued using the March 13, 2026 closing price and were not sold in the open market.

Was the Atlanticus (ATLC) insider transaction an open-market sale of shares?

No, the transaction was not an open-market sale. The filing shows 152 Atlanticus common shares were withheld to cover tax liabilities when a restricted stock award vested, a standard administrative process rather than a discretionary sale into the market.

How many Atlanticus (ATLC) shares does Saunders Mitchell hold after the transaction?

After the tax-withholding event, Saunders Mitchell directly holds 51,699 shares of Atlanticus common stock. This shows the 152 withheld shares represent only a small portion of his overall position reported in the filing.

What was the price used for the Atlanticus (ATLC) tax-withholding shares?

The 152 withheld Atlanticus shares were valued at $47.96 per share. The filing states this price reflects the closing price of Atlanticus Holdings Corporation common stock on March 13, 2026, the date the restricted stock award vested.

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

Transaction code “F” indicates a tax-withholding disposition. In this Atlanticus filing, it means shares were withheld to pay tax liabilities on a vesting restricted stock award, rather than being sold voluntarily in the open market by the insider.

Which Atlanticus (ATLC) executive is involved in this Form 4 transaction?

The transaction involves Saunders Mitchell, who serves as Chief Accounting Officer of Atlanticus Holdings Corp. The Form 4 reports a routine tax-withholding event tied to his restricted stock award vesting, not a discretionary purchase or sale of shares.