STOCK TITAN

Saul Centers (BFS) SVP adds stock via dividend equivalents and tax withholding

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

Rhea-AI Filing Summary

SAUL CENTERS, INC. senior vice president Judith K. Garland reported routine equity compensation activity. She acquired 19 shares of Common Stock at $33.00 per share as dividend equivalents on a restricted stock award that vested on May 17, 2026. To cover tax obligations, 71 shares of Common Stock at $33.00 per share were withheld, leaving her with 4,825 Common shares held directly after these transactions.

Garland also reports ongoing derivative holdings, including performance shares tied to 3,300 underlying Common shares and employee stock options on 20,000 underlying shares with exercise prices of $33.79, $47.90, and $43.89 expiring between 2031 and 2033. These entries reflect outstanding awards rather than new market trades.

Positive

  • None.

Negative

  • None.
Insider Garland Judith K.
Role SVP, Office and Retail
Type Security Shares Price Value
Tax Withholding Common Stock 71 $33.00 $2K
Grant/Award Common Stock 19 $33.00 $627.00
holding Employee Stock Option -- -- --
holding Employee Stock Option -- -- --
holding Employee Stock Option -- -- --
holding Performance Shares -- -- --
holding Performance Shares -- -- --
holding Performance Shares -- -- --
Holdings After Transaction: Common Stock — 4,825 shares (Direct, null); Employee Stock Option — 5,000 shares (Direct, null); Performance Shares — 600 shares (Direct, null)
Footnotes (1)
  1. Shares acquired in an exempt transaction as dividend equivalents on filers restricted stock award, which vested on May 17, 2026. The options vest 25% per year over four years from the date of grant.
Dividend-equivalent grant 19 shares at $33.00 Common Stock acquired as dividend equivalents on 2026-05-17
Tax-withholding shares 71 shares at $33.00 Common Stock delivered for tax liability on 2026-05-17
Direct Common Stock holdings 4,825 shares Common Stock directly owned after transactions on 2026-05-17
Performance shares underlying stock 3,300 shares Common Stock underlying three performance share awards expiring 2029–2031
Stock options at $33.79 10,000 underlying shares Employee stock options, exercise price $33.79, expiring 2033-05-12
Stock options at $47.90 5,000 underlying shares Employee stock options, exercise price $47.90, expiring 2032-05-13
Stock options at $43.89 5,000 underlying shares Employee stock options, exercise price $43.89, expiring 2031-05-07
Performance Shares financial
"security_title": "Performance Shares""
Performance shares are a type of company stock given to executives or employees that only become theirs if the company meets specific goals, like hitting certain profits or growth targets. They motivate leaders to work toward the company’s success, because their additional shares depend on achieving these results.
Employee Stock Option financial
"security_title": "Employee Stock Option""
An employee stock option is a promise that lets a worker buy company shares later at a predetermined price, often after they stay for a certain period or meet performance goals — think of it like a coupon that locks in today's price for a future purchase. It matters to investors because options align employees’ incentives with company performance, can increase the number of shares outstanding (dilution) when exercised, and represent a compensation cost that affects reported profits and shareholder value.
dividend equivalents financial
"Shares acquired in an exempt transaction as dividend equivalents on filers restricted stock award"
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.
restricted stock award financial
"dividend equivalents on filers restricted stock award, which vested on May 17, 2026"
A restricted stock award is company shares given to an employee or executive that cannot be sold or fully owned until certain conditions—like staying with the company for a set time or hitting performance targets—are met. Think of it as a gift that only becomes yours after you fulfill specific obligations; for investors, these awards matter because they can increase the total shares outstanding when they vest, reveal how management is being paid and motivated, and create potential selling pressure when restrictions lift.
tax-withholding disposition financial
"transaction_action": "tax-withholding disposition""
A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.
Grant, award, or other acquisition financial
"transaction_code_description": "Grant, award, or other acquisition""
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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)
05/17/2026
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 Stock05/17/2026F71D$334,825D
Common Stock05/17/2026A19(1)A$334,844D
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(2)05/07/2031Common Stock5,0005,000D
Employee Stock Option$47.905/13/2022(2)05/13/2032Common Stock5,0005,000D
Employee Stock Option$33.7905/12/2023(2)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$005/08/203105/08/2031Common Stock1,5001,500D
Explanation of Responses:
1. Shares acquired in an exempt transaction as dividend equivalents on filers restricted stock award, which vested on May 17, 2026.
2. The options vest 25% per year over four years from the date of grant.
Remarks:
/s/ Carlos L. Heard, by Power of Attorney05/19/2026
** 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 stock transactions did BFS executive Judith K. Garland report?

Judith K. Garland reported receiving 19 shares of Saul Centers Common Stock as dividend equivalents on a vested restricted stock award, while 71 shares were withheld to satisfy tax obligations. After these routine compensation entries, she directly holds 4,825 Common shares.

How many Saul Centers (BFS) shares does Judith K. Garland own after this Form 4?

Following the reported transactions, Judith K. Garland directly owns 4,825 shares of Saul Centers Common Stock. This figure reflects both the 19-share dividend equivalent grant and the 71-share tax-withholding disposition recorded on May 17, 2026.

What were the tax-withholding details in Judith K. Garland’s BFS Form 4?

The filing shows a tax-withholding disposition of 71 shares of Common Stock at $33.00 per share. These shares were delivered to cover tax liability related to equity compensation, not sold in an open-market transaction, leaving her with 4,825 shares afterward.

What derivative awards does Judith K. Garland hold in Saul Centers (BFS)?

Garland holds performance shares linked to 3,300 underlying Common shares with expirations between 2029 and 2031, plus employee stock options on 20,000 underlying shares at exercise prices of $33.79, $47.90, and $43.89, expiring through 2033.

How do dividend equivalents affect Judith K. Garland’s Saul Centers share count?

Dividend equivalents added 19 Common shares to Judith K. Garland’s holdings in an exempt transaction tied to a restricted stock award vesting on May 17, 2026. These shares mirror dividends that would have been paid if the restricted stock had been unrestricted earlier.

How do Judith K. Garland’s Saul Centers stock options vest over time?

Footnotes state her options vest 25% per year over four years from each grant date. This schedule gradually delivers exercisable rights to buy Saul Centers Common Stock, with current option grants expiring between 2031 and 2033 at the stated exercise prices.