Atlanticus (ATLC) CFO awarded 18,574 restricted shares, 330 withheld for taxes

Rhea-AI Filing Summary

Atlanticus Holdings Corp Chief Financial Officer William McCamey reported routine equity-compensation activity. On March 19, 2026, he received a grant of 18,574 shares of restricted common stock, which will vest in three substantially equal installments on March 19, 2027, March 19, 2028 and March 19, 2029.

On March 20, 2026, 330 shares were withheld at $54.67 per share to satisfy tax obligations when the restricted stock vested, rather than being sold in the open market. After these transactions, he directly owns 147,410 shares, with additional indirect holdings of 585,016 shares through an LLC and 18,000 shares held by his spouse.

Insider Trade Summary

4 transactions reported

Mixed 4 txns

Insider McCamey William

Role Chief Financial Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	330	$54.67	$18K
Grant/Award	Common Stock	18,574	$0.00	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 147,410 shares (Direct); Common Stock — 585,016 shares (Indirect, By LLC)

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^*

McCamey William

(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 Financial 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)		18,574	A	$0	147,740	D
Common Stock	03/20/2026		F(2)		330	D	$54.67	147,410	D
Common Stock								585,016	I	By LLC
Common Stock								18,000	I	By Spouse

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/ William McCamey	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) CFO William McCamey report?

Atlanticus CFO William McCamey reported a grant of 18,574 restricted shares and withholding of 330 shares for taxes. These Form 4 entries reflect routine equity compensation and tax settlement rather than open-market buying or selling activity.

How many Atlanticus (ATLC) shares did the CFO receive in the latest restricted stock grant?

William McCamey received 18,574 shares of Atlanticus common stock as a restricted stock grant. According to the filing, these shares vest in three substantially equal installments on March 19, 2027, March 19, 2028 and March 19, 2029.

When will the Atlanticus (ATLC) CFO’s new restricted stock awards vest?

The restricted stock granted to the Atlanticus CFO vests in three substantially equal installments. The scheduled vesting dates are March 19, 2027, March 19, 2028 and March 19, 2029, subject to the usual vesting conditions described for such awards.

Why were 330 Atlanticus (ATLC) shares disposed of in the CFO’s Form 4?

The 330 shares shown as a disposition were withheld to cover tax withholding obligations when restricted stock vested. The filing notes this tax-withholding event used the closing price of Atlanticus common stock on March 20, 2026, rather than an open-market sale.

What are the Atlanticus (ATLC) CFO’s holdings after the reported transactions?

After the reported grant and tax withholding, the CFO directly holds 147,410 Atlanticus shares. The filing also shows 585,016 shares held indirectly through an LLC and 18,000 shares held indirectly by his spouse, reflecting significant overall ownership exposure.

Was the Atlanticus (ATLC) CFO’s tax-related share disposition an open-market sale?

No. The 330-share disposition was a tax-withholding event tied to vesting of restricted stock. Shares were withheld by the issuer at $54.67 per share to satisfy tax obligations, rather than being voluntarily sold in the open market for liquidity.