Form 4: ATLC CFO McCamey Receives Restricted Stock Grant

Atlanticus Holdings Corp's CFO, William McCamey, reported the grant of 18,574 restricted shares and the withholding of 330 shares for tax obligations.

Summary

• William McCamey, Chief Financial Officer of Atlanticus Holdings Corp (ATLC), was granted 18,574 shares of common stock on March 19, 2026.
• These restricted shares will vest in three substantially equal installments on March 19, 2027, March 19, 2028, and March 19, 2029.
• On March 20, 2026, 330 shares of Atlanticus Holdings Corporation common stock were withheld to satisfy tax withholding obligations upon the vesting of a restricted stock award.
• The shares withheld for tax purposes were valued at $54.67 per share, based on the closing price on March 20, 2026.
• Following these transactions, McCamey directly beneficially owns 147,410 shares of common stock.
• Additionally, McCamey indirectly beneficially owns 585,016 shares through an LLC and 18,000 shares through a spouse.

Sentiment

Score: 7

Explanation: StockSavvy.ai views this as a moderately positive event, reflecting standard executive compensation practices that align management's interests with long-term company performance, without indicating any immediate operational or financial changes.

Positives

• The grant of restricted stock aligns the Chief Financial Officer's interests with those of shareholders, incentivizing long-term performance.
• The vesting schedule over three years indicates a commitment to retaining key management personnel.

Future Outlook

The restricted stock grant indicates a future commitment to the company by the CFO, with shares vesting in three equal installments on March 19, 2027, March 19, 2028, and March 19, 2029.

Industry Context

StockSavvy.ai notes that the grant of restricted stock to a Chief Financial Officer is a common practice in the financial services industry, serving as a key component of executive compensation packages designed to align management incentives with long-term shareholder value creation. The withholding of shares for tax purposes is also a standard procedure upon the vesting of such awards.

Stakeholder Impact

• Shareholders: The grant of restricted stock to the CFO can be seen as a positive for shareholders, as it further aligns the executive's financial interests with the company's long-term performance and shareholder value creation.
• Employees (CFO): The CFO benefits directly from the compensation package, which includes a significant equity component, enhancing personal wealth and incentivizing continued dedication to the company's success.

Next Steps

• First vesting installment of restricted stock on March 19, 2027.
• Second vesting installment of restricted stock on March 19, 2028.
• Third vesting installment of restricted stock on March 19, 2029.

Key Dates

Keywords

Atlanticus Holdings Corp, ATLC, William McCamey, CFO, Restricted Stock, Insider Transaction, Executive Compensation, Form 4, Stock Grant, Vesting