STOCK TITAN

Saul Centers (BFS) SVP receives stock awards with tax withholding noted

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Saul Centers SVP Judith K. Garland reported routine equity compensation and related tax withholding. She received 1,500 restricted shares of Common Stock on May 8, 2026 that vest in equal installments over five years, plus 1,500 Performance Shares tied to future performance criteria. She also acquired 13 shares as dividend equivalents at $35.19 per share, while 106 shares were withheld to cover tax obligations. Following these transactions, she held 4,883 Common Shares directly and retained multiple option and performance-share awards with expiration dates between 2030 and 2033.

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Insider Garland Judith K.
Role SVP, Office and Retail
Type Security Shares Price Value
Tax Withholding Common Stock 106 $35.19 $4K
Grant/Award Common Stock 13 $35.19 $457.47
Grant/Award Performance Shares 1,500 $0.00 --
Grant/Award Common Stock 1,500 $0.00 --
holding Employee Stock Option -- -- --
holding Employee Stock Option -- -- --
holding Employee Stock Option -- -- --
holding Performance Shares -- -- --
holding Performance Shares -- -- --
Holdings After Transaction: Common Stock — 4,883 shares (Direct, null); Performance Shares — 1,500 shares (Direct, null); Employee Stock Option — 5,000 shares (Direct, null)
Footnotes (1)
  1. Represents restricted shares of Common Stock. Such shares vest on the first five anniversaries of May 8, 2026 in equal annual installments, assuming continued employment. Shares acquired in an exempt transaction as dividend equivalents on filers restricted stock award, which vested on May 9, 2026. The options vest 25% per year over four years from the date of grant. The performance share award provides for the grant of restricted shares of Common Stock on each of the five anniversaries of May 8, 2026 in equal annual installments. The number of restricted shares of such grant that vest, if any, is (i) subject to cliff-vesting on May 8, 2031, and (2) achievement of performance criteria relating to the Companys target Funds from Operations available to common stockholders and noncontrolling interests (FFO) measured against an FFO amount included in the budget established by the Board of Directors annually prior to the start of such calendar year.
Restricted share grant 1,500 shares Common Stock restricted shares granted May 8, 2026
Performance Shares granted 1,500 units Performance Shares linked to Common Stock granted May 8, 2026
Dividend-equivalent shares 13 shares at $35.19 Common Stock acquired as dividend equivalents on May 9, 2026
Tax withholding shares 106 shares Common Stock withheld to satisfy tax liability at $35.19
Common Shares held after transactions 4,883 shares Direct ownership following May 2026 transactions
Option position @ $33.79 10,000 underlying shares Employee Stock Option, exercise price $33.79, expires May 12, 2033
Option position @ $47.90 5,000 underlying shares Employee Stock Option, exercise price $47.90, expires May 13, 2032
Option position @ $43.89 5,000 underlying shares Employee Stock Option, exercise price $43.89, expires May 7, 2031
restricted shares financial
"Represents restricted shares of Common Stock. Such shares vest on the first five anniversaries of May 8, 2026 in equal annual installments"
Restricted shares are company stock that cannot be sold or transferred immediately because they are subject to legal or contractual limits, such as a required holding period or performance conditions. They matter to investors because these locked-up shares can affect a company’s available stock for trading, future dilution, and insider incentives—imagine a gift that can’t be cashed until certain conditions are met, which changes when and how much supply can suddenly enter the market.
dividend equivalents financial
"Shares acquired in an exempt transaction as dividend equivalents on filers restricted stock award, which vested on May 9, 2026."
Payments tied to employee or contractor equity awards that mirror the cash dividends paid on the company’s stock; they give the holder the same economic benefit as owning the shares without transferring actual shares—often paid in cash or additional award units when the award becomes payable. Investors care because these payments affect a company’s compensation costs, cash flow and potential share dilution, and they signal how management is being rewarded and aligned with shareholders.
performance share award financial
"The performance share award provides for the grant of restricted shares of Common Stock on each of the five anniversaries of May 8, 2026 in equal annual installments."
A performance share award is a type of executive or employee pay that grants company stock only if predefined performance goals are met over a set period. Think of it as a bonus paid in shares—similar to a savings payout that arrives only if certain targets are hit—so it aligns management incentives with company results and can affect future share count and shareholder value. Investors watch these awards because they influence executive behavior, potential dilution of shares, and signals about expected performance.
Funds from Operations financial
"achievement of performance criteria relating to the Companys target Funds from Operations available to common stockholders and noncontrolling interests (FFO)"
Funds from operations (FFO) measures the cash a real estate-focused company generates from its core property operations by adjusting net income to add back non-cash expenses like building depreciation and removing one-time gains or losses from property sales. Investors use FFO like a household’s monthly take-home pay—it's a clearer view of ongoing cash available to pay dividends, maintain properties and fund growth than raw accounting profit.
tax liability financial
"Payment of exercise price or tax liability by delivering securities"
SEC Form 4
FORM 4UNITED 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*
Garland Judith K.

(Last)(First)(Middle)
7501 WISCONSIN AVENUE
SUITE 1500

(Street)
BETHESDA MARYLAND 20814

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
SAUL CENTERS, INC. [ BFS ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
SVP, Office and Retail
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
05/08/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock05/08/2026A1,500(1)A$04,989D
Common Stock05/09/2026F106D$35.194,883D
Common Stock05/09/2026A13(2)A$35.194,896D
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Employee Stock Option$43.8905/07/2021(3)05/07/2031Common Stock5,0005,000D
Employee Stock Option$47.905/13/2022(3)05/13/2032Common Stock5,0005,000D
Employee Stock Option$33.7905/12/2023(3)05/12/2033Common Stock10,00010,000D
Performance Shares$005/17/202905/17/2029Common Stock600600D
Performance Shares$005/09/203005/09/2030Common Stock1,2001,200D
Performance Shares$005/08/2026A1,500(4)05/08/203105/08/2031Common Stock1,500$01,500D
Explanation of Responses:
1. Represents restricted shares of Common Stock. Such shares vest on the first five anniversaries of May 8, 2026 in equal annual installments, assuming continued employment.
2. Shares acquired in an exempt transaction as dividend equivalents on filers restricted stock award, which vested on May 9, 2026.
3. The options vest 25% per year over four years from the date of grant.
4. The performance share award provides for the grant of restricted shares of Common Stock on each of the five anniversaries of May 8, 2026 in equal annual installments. The number of restricted shares of such grant that vest, if any, is (i) subject to cliff-vesting on May 8, 2031, and (2) achievement of performance criteria relating to the Companys target Funds from Operations available to common stockholders and noncontrolling interests (FFO) measured against an FFO amount included in the budget established by the Board of Directors annually prior to the start of such calendar year.
Remarks:
/s/ Carlos L. Heard, by Power of Attorney05/12/2026
** Signature of Reporting PersonDate
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 Saul Centers (BFS) SVP Judith Garland report?

Judith Garland reported equity awards and tax withholding. She received 1,500 restricted shares, 1,500 Performance Shares, and 13 dividend-equivalent shares, while 106 shares were withheld to cover taxes, leaving her with 4,883 Common Shares held directly.

How many Saul Centers (BFS) shares does Judith Garland hold after these transactions?

After the reported transactions, Judith Garland directly holds 4,883 shares of Saul Centers Common Stock. This figure reflects the net position after receiving restricted and dividend-equivalent shares and after 106 shares were withheld to satisfy related tax obligations.

What stock awards did Saul Centers (BFS) grant to Judith Garland?

Garland received 1,500 restricted Common Shares that vest in five equal annual installments starting May 8, 2026, assuming continued employment, plus 1,500 Performance Shares that may convert into restricted shares based on future Funds from Operations performance criteria through May 8, 2031.

How are Judith Garland’s Saul Centers (BFS) restricted shares scheduled to vest?

The 1,500 restricted Common Shares granted to Judith Garland vest in equal installments on each of the first five anniversaries of May 8, 2026. Vesting is contingent on her continued employment with Saul Centers through each applicable vesting date.

What are the terms of Judith Garland’s Performance Share awards at Saul Centers (BFS)?

Her Performance Share award provides for grants of restricted Common Shares on each of the five anniversaries of May 8, 2026. Vesting depends on cliff-vesting on May 8, 2031 and achieving Funds from Operations performance targets set annually by the Board.

What stock options does Judith Garland hold in Saul Centers (BFS)?

Garland holds several Employee Stock Options on Saul Centers Common Stock: 10,000 shares at an exercise price of $33.79, 5,000 shares at $47.90, and 5,000 shares at $43.89, with expiration dates ranging from 2031 to 2033, vesting 25% annually over four years.