CINF insider ownership: who sold, why, and what they still hold

Who	Shares	Price	% of total stake	Total stake after	Trade date	Filed
Dirk Debbink Director	1,000	$171.64	n/a	61K	Aug 25, 2026	Aug 27, 2026

What stands out

Two directors bought shares: Dirk Debbink (3K shares, $488K) and Edward Wilkins (140 shares, $23K).Dirk Debbink: purchase, Aug 25, 2026 · Edward Wilkins: purchase, Dec 3, 2025

Tax withholding outweighed market sales: the company withheld $22.7M of officers' and directors' shares for taxes, against $0 sold on the open market. The largest was John Kellington ($6.7M withheld).Largest withholding, Apr 29, 2026

Percentages cover 28 of 31 officers and directors. Left out: John Kellington and Teresa Cracas (holdings couldn't be fully reconciled); Edward Wilkins (held no vested shares at the start). Disclosed company stock is not an insider's whole wealth.

Outside holders, reported separately

Charles Schiff sold $1.3M in the past 12 months. Large shareholders and the funds or companies that board members represent are not part of management, so they are left out of the figures above.

Details

Common questions

Is the Cincinnati Financial CEO selling stock?

No. Stephen Spray reported no open-market sales in the past 12 months.

Are any Cincinnati Financial insiders buying?

Yes. 2 officers or directors reported 4 purchases in the past 12 months (Form 4 code P, which includes private purchases).

The evidence

Who sold0 officers and directors: amount, % of holdings, trading plan

Who sold	Amount	% of holdings	Trading plan

Sold by a charitable foundation the insider reports: Charitable Foundation, reported by Charles Schiff (sold $1.3M). A foundation's shares are not the insider's own stake, so they are left out of the figures above.

The full ownership picture29 of 31 insiders fully reconciled · 31 officers and directors

Vested shares across all share classes, held directly and through trusts, LLCs and family members, as reported on SEC Forms 3, 4 and 5. Unvested awards and options are never counted as owned shares.

Insider

Held Oct 9, 2025

Sold

Held Oct 9, 2026

Still held

Charles Schiff

Minor difference of 4,598 shares. Difference is under 0.5% of holdings. Shares owned by Charitable Foundation are a charitable foundation's, listed separately and not counted here.

Director

989K

967K

no sales

Vesting, gifts, unvested awards and holding lines for Charles Schiff

0shares vested or exercised

+456gifted (net of own trusts)

none reportedunvested awards, start → end

Shares owned by Charitable Foundation are a charitable foundation's, listed separately and not counted here.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	745,734	746,695
Grandchildren's Irrevocable Trust	Common Stock	147,561	123,581
Children	Common Stock	65,716	67,400
Spouse	Common Stock	29,513	29,627

Reconciliation: minor difference of 4,598 shares. Difference is under 0.5% of holdings.

Larry Webb

Minor difference of 89 shares. Difference is under 0.5% of holdings. Additional holdings last reported more than 3 years ago are shown separately and excluded from totals.

Director

511K

no sales

Vesting, gifts, unvested awards and holding lines for Larry Webb

0shares vested or exercised

0gifted (net of own trusts)

none reportedunvested awards, start → end

Additional holdings last reported more than 3 years ago are shown separately and excluded from totals.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	275,826	275,826
Partnership	Common Stock	186,257	186,257
Qtip Marital Trust For Spouse	Common Stock	43,478	43,478
Director NQ Plan	Common Stock	3,822	4,758
Spouse	Common Stock	1,165	1,165

Additional holdings last reported Jan 29, 2009, not confirmed since: 103,889 shares. Not included in any total or percentage on this page.

Father's Marital Trust, Common Stock: 60,411 shares, last reported Jan 29, 2009
TRUST, Common Stock - Trust: 43,478 shares, last reported Jan 31, 2007

Reconciliation: minor difference of 89 shares. Difference is under 0.5% of holdings.

Steven Johnston

Chairman, Director

192K

214K

no sales

Vesting, gifts, unvested awards and holding lines for Steven Johnston

+43Kshares vested or exercised

0gifted (net of own trusts)

−20Kwithheld by the company for taxes

1.47M → 2.01Munvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	191,676	213,840

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
56,812	$112.36	Feb 19, 2034	$3.4M
17,576	$137.56	Feb 17, 2035	$599K
15,228	$162.22	Feb 25, 2036	$143K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Michael Sewell

CFO, EVP & Treasurer

104K

141K

no sales

Vesting, gifts, unvested awards and holding lines for Michael Sewell

+54Kshares vested or exercised

−1.1Kgifted (net of own trusts)

−16Kwithheld by the company for taxes

163K → 203Kunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	102,695	140,010
Children	Common Stock	1,453	1,453

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
29,564	$112.36	Feb 19, 2034	$1.8M
22,946	$137.56	Feb 17, 2035	$782K
19,880	$162.22	Feb 25, 2036	$187K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

John Kellington

Holdings couldn't be fully reconciled. Balance changed without a matching transaction, and the footnote does not state the amount: +6,914.497 shares on Feb 25, 2026 (Direct). See the filing Sales and other transactions for John Kellington are complete.

EVP, Chief Info Off. -Sub

n/a

Vesting, gifts, unvested awards and holding lines for John Kellington

+64Kshares vested or exercised

0gifted (net of own trusts)

−41Kwithheld by the company for taxes

36K → 34Kunvested awards, start → end

Holdings couldn't be fully reconciled. Balance changed without a matching transaction, and the footnote does not state the amount: +6,914.497 shares on Feb 25, 2026 (Direct). The balances below are as reported, not verified totals.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	95,205	127,052

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
20,615	$112.36	Feb 19, 2034	$1.2M
16,000	$137.56	Feb 17, 2035	$545K
13,863	$162.22	Feb 25, 2036	$131K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Roger Brown

Minor difference of 242 shares. Difference is under 0.5% of holdings.

Sr VP, COO - Subsidary

71K

77K

no sales

Vesting, gifts, unvested awards and holding lines for Roger Brown

+13Kshares vested or exercised

−700gifted (net of own trusts)

−6.5Kwithheld by the company for taxes

18K → 17Kunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	56,141	61,813
Children	Common Stock	14,596	14,839

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
9,959	$112.36	Feb 19, 2034	$590K
7,729	$137.56	Feb 17, 2035	$263K
6,697	$162.22	Feb 25, 2036	$63K
2,414	$71.19	Feb 9, 2028	$242K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Reconciliation: minor difference of 242 shares. Difference is under 0.5% of holdings.

Stephen Spray

President & CEO, Director

64K

73K

no sales

Vesting, gifts, unvested awards and holding lines for Stephen Spray

+16Kshares vested or exercised

0gifted (net of own trusts)

−6.7Kwithheld by the company for taxes

71K → 79Kunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	63,764	72,731

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
47,505	$112.36	Feb 19, 2034	$2.8M
38,667	$137.56	Feb 17, 2035	$1.3M
34,118	$162.22	Feb 25, 2036	$321K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

David Osborn

Minor difference of 2,803 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Director

62K

66K

no sales

Vesting, gifts, unvested awards and holding lines for David Osborn

0shares vested or exercised

0gifted (net of own trusts)

none reportedunvested awards, start → end

Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	34,401	35,497
Simplified Employee Pension Plan	Common Stock	11,569	11,838
Director NQ Plan	Common Stock	8,567	10,703
401K	Common Stock	6,419	6,568
IRA	Common Stock	1,051	1,051

Reconciliation: minor difference of 2,803 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Dirk Debbink

Minor difference of 1,504 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends. Unexplained small increases, consistent with stock unit vesting or reinvested dividends. Additional holdings last reported more than 3 years ago are shown separately and excluded from totals. New Form 3 filed 2012-11-29; earlier filings set aside.

Director

57K

62K

no sales

Vesting, gifts, unvested awards and holding lines for Dirk Debbink

0shares vested or exercised

0gifted (net of own trusts)

none reportedunvested awards, start → end

Unexplained small increases, consistent with stock unit vesting or reinvested dividends.
Additional holdings last reported more than 3 years ago are shown separately and excluded from totals.
New Form 3 filed 2012-11-29; earlier filings set aside.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Trust	Common Stock	56,708	62,059

Additional holdings last reported Jan 26, 2023, not confirmed since: 32,652 shares. Not included in any total or percentage on this page.

Direct, Common Stock: 32,652 shares, last reported Jan 26, 2023

Reconciliation: minor difference of 1,504 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Douglas Skidmore

Director

51K

52K

no sales

Vesting, gifts, unvested awards and holding lines for Douglas Skidmore

0shares vested or exercised

0gifted (net of own trusts)

none reportedunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	42,322	43,169
Skidmore Sales Profit Sharing Plan	Common Stock	7,600	7,600
IRA	Common Stock	550	550
Spouse	Common Stock	330	330

Donald Doyle Jr.

Additional holdings last reported more than 3 years ago are shown separately and excluded from totals.

Sr Vice President - Subsidiary

48K

46K

no sales

Vesting, gifts, unvested awards and holding lines for Donald Doyle Jr.

0shares vested or exercised

−1.7Kgifted (net of own trusts)

18K → 18Kunvested awards, start → end

Additional holdings last reported more than 3 years ago are shown separately and excluded from totals.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	47,579	45,924

Additional holdings last reported Nov 6, 2020, not confirmed since: 702 shares. Not included in any total or percentage on this page.

Children, Common Stock: 702 shares, last reported Nov 6, 2020

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
14,620	$112.36	Feb 19, 2034	$867K
11,347	$137.56	Feb 17, 2035	$387K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Teresa Cracas

Holdings couldn't be fully reconciled. Balance changed with no matching transaction and no footnote: +1,884 shares on Apr 29, 2026 (Direct). See the filing Sales and other transactions for Teresa Cracas are complete.

EVP, Chief Risk Off. - Sub

n/a

Vesting, gifts, unvested awards and holding lines for Teresa Cracas

+26Kshares vested or exercised

0gifted (net of own trusts)

−14Kwithheld by the company for taxes

33K → 31Kunvested awards, start → end

Holdings couldn't be fully reconciled. Balance changed with no matching transaction and no footnote: +1,884 shares on Apr 29, 2026 (Direct). The balances below are as reported, not verified totals.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	43,579	57,443
Spouse	Common Stock	1,883	1,883

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
18,771	$112.36	Feb 19, 2034	$1.1M
14,569	$137.56	Feb 17, 2035	$497K
12,623	$162.22	Feb 25, 2036	$119K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Gretchen Price

Director

34K

35K

no sales

Vesting, gifts, unvested awards and holding lines for Gretchen Price

0shares vested or exercised

0gifted (net of own trusts)

none reportedunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	34,113	34,960

John Steele Jr.

Minor difference of 22 shares. Difference is under 0.5% of holdings.

Director

31K

32K

no sales

Vesting, gifts, unvested awards and holding lines for John Steele Jr.

0shares vested or exercised

0gifted (net of own trusts)

none reportedunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	30,394	30,394
Director NQ Plan	Common Stock	937	1,806

Reconciliation: minor difference of 22 shares. Difference is under 0.5% of holdings.

Heuvel Van Den

Minor difference of 49 shares. Difference is under 0.5% of holdings.

Exec Vice President - Sub

31K

41K

no sales

Vesting, gifts, unvested awards and holding lines for Heuvel Van Den

+24Kshares vested or exercised

0gifted (net of own trusts)

−13Kwithheld by the company for taxes

26K → 26Kunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	27,951	38,410
401(k) Plan	Common Stock	2,987	3,036

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
13,812	$112.36	Feb 19, 2034	$819K
13,400	$137.56	Feb 17, 2035	$457K
11,610	$162.22	Feb 25, 2036	$109K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Reconciliation: minor difference of 49 shares. Difference is under 0.5% of holdings.

Sean Givler

Exec Vice President - Sub

29K

34K

no sales

Vesting, gifts, unvested awards and holding lines for Sean Givler

+8.7Kshares vested or exercised

0gifted (net of own trusts)

−3.1Kwithheld by the company for taxes

28K → 28Kunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	28,703	34,343

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
14,657	$112.36	Feb 19, 2034	$869K
14,219	$137.56	Feb 17, 2035	$485K
12,320	$162.22	Feb 25, 2036	$116K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Marc Schambow

SrVP/Chief Claims Officer-Sub

23K

30K

no sales

Vesting, gifts, unvested awards and holding lines for Marc Schambow

+10Kshares vested or exercised

0gifted (net of own trusts)

−3.4Kwithheld by the company for taxes

19K → 25Kunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	22,776	29,692

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
15,290	$112.36	Feb 19, 2034	$906K
11,867	$137.56	Feb 17, 2035	$404K
10,282	$162.22	Feb 25, 2036	$97K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Thomas Hogan

Minor difference of 35 shares. Difference is under 0.5% of holdings.

EVP/CLO & Corp Secretary

18K

20K

no sales

Vesting, gifts, unvested awards and holding lines for Thomas Hogan

+3.4Kshares vested or exercised

−312gifted (net of own trusts)

−808withheld by the company for taxes

19K → 26Kunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	16,444	18,706
401(K) Plan	Common Stock	1,102	1,137

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
861	$61.47	Feb 12, 2026	$95K
987	$70.70	Feb 10, 2027	$100K
957	$71.19	Feb 9, 2028	$96K
1,324	$85.67	Feb 21, 2029	$114K
893	$111.53	Feb 21, 2030	$54K
832	$96.32	Feb 22, 2031	$63K
647	$123.94	Feb 21, 2032	$31K
817	$125.57	Feb 20, 2033	$38K
647	$112.36	Feb 19, 2034	$38K
11,703	$137.56	Feb 17, 2035	$399K
10,327	$162.22	Feb 25, 2036	$97K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Reconciliation: minor difference of 35 shares. Difference is under 0.5% of holdings.

Linda Clement-Holmes

Director

17K

18K

no sales

Vesting, gifts, unvested awards and holding lines for Linda Clement-Holmes

0shares vested or exercised

0gifted (net of own trusts)

none reportedunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	17,140	17,987

Steven Soloria

EVP, Chief Investment Officer

15K

20K

no sales

Vesting, gifts, unvested awards and holding lines for Steven Soloria

+8.8Kshares vested or exercised

0gifted (net of own trusts)

−3.3Kwithheld by the company for taxes

28K → 28Kunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	14,601	20,121
Children	Common Stock	175	175

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
16,305	$112.36	Feb 19, 2034	$967K
13,482	$137.56	Feb 17, 2035	$459K
11,681	$162.22	Feb 25, 2036	$110K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Angela Delaney

Senior Vice President- Sub

12K

20K

no sales

Vesting, gifts, unvested awards and holding lines for Angela Delaney

+16Kshares vested or exercised

0gifted (net of own trusts)

−8.3Kwithheld by the company for taxes

23K → 22Kunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	11,114	18,470
Spouse	Common Stock	1,147	1,316

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
12,857	$112.36	Feb 19, 2034	$762K
9,979	$137.56	Feb 17, 2035	$340K
8,646	$162.22	Feb 25, 2036	$81K
21	$112.36	Feb 19, 2034	$1K
15	$137.56	Feb 17, 2035	$511
10	$162.22	Feb 25, 2036	$94

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Luyang Fu

Minor difference of 120 shares. Small increase from a 401(k) plan and dividend reinvestment. Small increase from a 401(k) plan and dividend reinvestment. Started reporting during the period; starting holdings are from the Form 3.

Sr. VP, Chief Actuary - Sub

11K

12K

no sales

Vesting, gifts, unvested awards and holding lines for Luyang Fu

+2Kshares vested or exercised

0gifted (net of own trusts)

−352withheld by the company for taxes

3.5K → 16Kunvested awards, start → end

Small increase from a 401(k) plan and dividend reinvestment. Filing 1 Filing 2 Filing 3
Started reporting during the period; starting holdings are from the Form 3.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	9,597	11,345
401(K) Plan	Common Stock	957	1,020

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
957	$71.19	Feb 9, 2028	$96K
774	$85.67	Feb 21, 2029	$67K
522	$111.53	Feb 21, 2030	$31K
567	$96.32	Feb 22, 2031	$43K
647	$123.94	Feb 21, 2032	$31K
449	$125.57	Feb 20, 2033	$21K
647	$112.36	Feb 19, 2034	$38K
462	$137.56	Feb 17, 2035	$16K
7,328	$162.22	Feb 25, 2036	$69K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Reconciliation: minor difference of 120 shares. Small increase from a 401(k) plan and dividend reinvestment.

Nancy Benacci

Minor difference of 108 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Director

7.6K

8.5K

no sales

Vesting, gifts, unvested awards and holding lines for Nancy Benacci

0shares vested or exercised

0gifted (net of own trusts)

none reportedunvested awards, start → end

Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	6,653	7,587
Director NQ Plan	Common Stock	937	959

Reconciliation: minor difference of 108 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Jill Pratt

Minor difference of 131 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Director

5.6K

6.6K

no sales

Vesting, gifts, unvested awards and holding lines for Jill Pratt

0shares vested or exercised

0gifted (net of own trusts)

none reportedunvested awards, start → end

Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	1,759	1,801
Director NQ Plan	Common Stock	3,822	4,758

Reconciliation: minor difference of 131 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Andrew Schnell

Started reporting during the period; starting holdings are from the Form 3.

Senior Vice President-Sub

5.1K

5.8K

no sales

Vesting, gifts, unvested awards and holding lines for Andrew Schnell

+1.3Kshares vested or exercised

0gifted (net of own trusts)

−621withheld by the company for taxes

1.1K → 4.5Kunvested awards, start → end

Started reporting during the period; starting holdings are from the Form 3.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	5,110	5,759

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
270	$137.56	Feb 17, 2035	$9K
357	$125.57	Feb 20, 2033	$16K
441	$123.94	Feb 21, 2032	$21K
378	$112.36	Feb 19, 2034	$22K
468	$111.53	Feb 21, 2030	$28K
567	$96.32	Feb 22, 2031	$43K
594	$85.67	Feb 21, 2029	$51K
734	$71.19	Feb 9, 2028	$74K
560	$70.70	Feb 10, 2027	$57K
5,310	$162.22	Feb 25, 2036	$50K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Chet Swisher

Minor difference of 33 shares. Small increase from dividend reinvestment. Small increase from dividend reinvestment.

Senior Vice President - Sub

4.6K

5.8K

no sales

Vesting, gifts, unvested awards and holding lines for Chet Swisher

+2Kshares vested or exercised

0gifted (net of own trusts)

−876withheld by the company for taxes

7.9K → 12Kunvested awards, start → end

Small increase from dividend reinvestment. Filing 1 Filing 2

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	4,615	5,823

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
846	$70.70	Feb 10, 2027	$85K
846	$71.19	Feb 9, 2028	$85K
774	$85.67	Feb 21, 2029	$67K
522	$111.53	Feb 21, 2030	$31K
486	$96.32	Feb 22, 2031	$37K
441	$123.94	Feb 21, 2032	$21K
306	$125.57	Feb 20, 2033	$14K
378	$112.36	Feb 19, 2034	$22K
7,909	$137.56	Feb 17, 2035	$270K
7,179	$162.22	Feb 25, 2036	$68K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Reconciliation: minor difference of 33 shares. Small increase from dividend reinvestment.

Dawn Chapel

Minor difference of 29 shares. Small increase from a 401(k) plan. Small increase from a 401(k) plan.

Senior Vice President - Sub

4.6K

no sales

Vesting, gifts, unvested awards and holding lines for Dawn Chapel

+502shares vested or exercised

0gifted (net of own trusts)

−158withheld by the company for taxes

5.8K → 10Kunvested awards, start → end

Small increase from a 401(k) plan. Filing 1 Filing 2 Filing 3

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	4,331	4,685
401(k) Plan	Common Stock	253	281
Children	Common Stock	1	1

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
957	$71.19	Feb 9, 2028	$96K
903	$85.67	Feb 21, 2029	$78K
609	$111.53	Feb 21, 2030	$37K
567	$96.32	Feb 22, 2031	$43K
441	$123.94	Feb 21, 2032	$21K
357	$125.57	Feb 20, 2033	$16K
441	$112.36	Feb 19, 2034	$26K
7,031	$137.56	Feb 17, 2035	$240K
6,381	$162.22	Feb 25, 2036	$60K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Reconciliation: minor difference of 29 shares. Small increase from a 401(k) plan.

Scott Schuler

Minor difference of 20 shares. Small increase from dividend reinvestment. Small increase from dividend reinvestment.

Senior Vice President - Sub

1.2K

1.5K

no sales

Vesting, gifts, unvested awards and holding lines for Scott Schuler

+466shares vested or exercised

0gifted (net of own trusts)

−146withheld by the company for taxes

5.8K → 10Kunvested awards, start → end

Small increase from dividend reinvestment. Filing 1 Filing 2

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	1,161	1,511

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
148	$61.47	Feb 12, 2026	$16K
169	$70.70	Feb 10, 2027	$17K
166	$71.19	Feb 9, 2028	$17K
439	$85.67	Feb 21, 2029	$38K
296	$111.53	Feb 21, 2030	$18K
373	$96.32	Feb 22, 2031	$28K
441	$123.94	Feb 21, 2032	$21K
306	$125.57	Feb 20, 2033	$14K
441	$112.36	Feb 19, 2034	$26K
7,031	$137.56	Feb 17, 2035	$240K
6,263	$162.22	Feb 25, 2036	$59K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Reconciliation: minor difference of 20 shares. Small increase from dividend reinvestment.

Robert Sandercox

Minor difference of 34 shares. Small increase from a 401(k) plan. Small increase from a 401(k) plan. Started reporting during the period; starting holdings are from the Form 3.

Senior Vice President-Sub

1.1K

2.4K

no sales

Vesting, gifts, unvested awards and holding lines for Robert Sandercox

+1.8Kshares vested or exercised

0gifted (net of own trusts)

−616withheld by the company for taxes

6.1K → 11Kunvested awards, start → end

Small increase from a 401(k) plan. Filing
Started reporting during the period; starting holdings are from the Form 3.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	337	1,550
401(K) Plan	Common Stock	778	811

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
769	$70.70	Feb 10, 2027	$78K
1,027	$71.19	Feb 9, 2028	$103K
909	$85.67	Feb 21, 2029	$78K
658	$111.53	Feb 21, 2030	$40K
779	$96.32	Feb 22, 2031	$59K
620	$123.94	Feb 21, 2032	$30K
584	$125.57	Feb 20, 2033	$27K
1,569	$112.36	Feb 19, 2034	$93K
1,427	$137.56	Feb 17, 2035	$49K
7,995	$162.22	Feb 25, 2036	$75K

Estimate: options held × ($171.64 − strike price), using the most recent insider trade price on Form 4 (Aug 25, 2026), not a market close.

Reconciliation: minor difference of 34 shares. Small increase from a 401(k) plan.

Cheng-Sheng Wu

Minor difference of 22 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Director

934

1.8K

no sales

Vesting, gifts, unvested awards and holding lines for Cheng-Sheng Wu

0shares vested or exercised

0gifted (net of own trusts)

none reportedunvested awards, start → end

Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	0	847
Director NQ Plan	Common Stock	934	956

Reconciliation: minor difference of 22 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Edward Wilkins

Director

765

no sales

Vesting, gifts, unvested awards and holding lines for Edward Wilkins

0shares vested or exercised

0gifted (net of own trusts)

none reportedunvested awards, start → end

Held through	Share class	Oct 9, 2025	Oct 9, 2026
Direct	Common Stock	0	765

29 of 31 insiders fully reconciled: starting holdings plus reported transactions match ending holdings (13 exactly, 16 with a minor or footnoted difference). For 2 we show sales but not holdings; the ! icon on their rows explains why. Percentages cover 28 of 31 officers and directors. Left out: John Kellington and Teresa Cracas (holdings couldn't be fully reconciled); Edward Wilkins (held no vested shares at the start). "Still held" compares ending with starting vested shares; a plus sign means the holding grew.

Is this normal? Selling year by year5 earlier years to compare with

In line with the past 5 years: no officer or director sales in any of them. 0 insiders sold; the average is 0 a year.

12 months ending	Shares sold	Insiders who sold	Proceeds
Oct 9, 2026 Latest 12 months	0	0	$0
Oct 9, 2025 1 year earlier	0	0	$0
Oct 9, 2024 2 years earlier	0	0	$0
Oct 10, 2023 3 years earlier	0	0	$0
Oct 10, 2022 4 years earlier	0	0	$0
Oct 10, 2021 5 years earlier	0	0	$0

Open-market sales (Form 4 code S) by people who were officers or directors, in split-adjusted shares. Earlier years include people who have since left. A sale that an outside holder also reports (a family trust, a fund) is counted with outside holders in every year. Shares, not dollars, are compared, so a change in the stock price doesn't look like a change in selling. Years the filings don't fully cover are shown but left out of the average.

Known gaps and uncertainty2 insiders whose holdings couldn't be fully reconciled

John Kellington: holdings couldn't be fully reconciled (difference of 8,510 shares). Balance changed without a matching transaction, and the footnote does not state the amount: +6,914.497 shares on Feb 25, 2026 (Direct). Filing, Feb 25, 2026

Footnote: "The reporting person is enrolled in quarterly dividend reinvestment. The beneficially owned shares have been adjusted to reflect shares purchased through the reinvestment plan."

Teresa Cracas: holdings couldn't be fully reconciled (difference of 1,884 shares). Balance changed with no matching transaction and no footnote: +1,884 shares on Apr 29, 2026 (Direct). Filing, Apr 29, 2026

Charles Schiff: minor difference of 4,598 shares. Difference is under 0.5% of holdings.

Larry Webb: minor difference of 89 shares. Difference is under 0.5% of holdings.

Roger Brown: minor difference of 242 shares. Difference is under 0.5% of holdings.

David Osborn: minor difference of 2,803 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Dirk Debbink: minor difference of 1,504 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

John Steele Jr.: minor difference of 22 shares. Difference is under 0.5% of holdings.

Heuvel Van Den: minor difference of 49 shares. Difference is under 0.5% of holdings.

Thomas Hogan: minor difference of 35 shares. Difference is under 0.5% of holdings.

Luyang Fu: minor difference of 120 shares. Small increase from a 401(k) plan and dividend reinvestment.

Nancy Benacci: minor difference of 108 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Jill Pratt: minor difference of 131 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Chet Swisher: minor difference of 33 shares. Small increase from dividend reinvestment.

Dawn Chapel: minor difference of 29 shares. Small increase from a 401(k) plan.

Scott Schuler: minor difference of 20 shares. Small increase from dividend reinvestment.

Robert Sandercox: minor difference of 34 shares. Small increase from a 401(k) plan.

Cheng-Sheng Wu: minor difference of 22 shares. Unexplained small increases, consistent with stock unit vesting or reinvested dividends.

Inferred rename: "CORPORATION" is treated as the same holder as "Schiff Agency", because the old name was never reported again and the new one opened with the same balance (114,249 shares). Old name, new name

Inferred rename: "CO PENSION PLAN" is treated as the same holder as "Schiff Agency Pension Plan", because the old name was never reported again and the new one opened with the same balance (107,186 shares). Old name, new name

Inferred rename: "CO. PENSION PLAN" is treated as the same holder as "Schiff Agency Pension Plan", because the old name was never reported again and the new one opened with the same balance (107,186 shares). Old name, new name

Inferred rename: "401(k)" is treated as the same holder as "401(k) Plan", because the old name was never reported again and the new one opened with the same balance (998 shares). Old name, new name

Inferred rename: "Spouse" is treated as the same holder as "Spouse Trust", because the old name was never reported again and the new one opened with the same balance (43,408 shares). Old name, new name

External context: we only cite outside events when a documented connection exists. None is shown for this period.

Sources and methodology1,973 filings from SEC EDGAR, and how we read them

All 1,973 Forms 3, 4 and 5 filed for Cincinnati Financial (SEC CIK 20286) from May 19, 2003 to Aug 27, 2026, retrieved from SEC EDGAR on Oct 9, 2026. Prices are the ones reported in each filing, often weighted averages. 4 filings were left out because Cincinnati Financial filed them as an owner of another company's stock.

Holdings. Each holding line (a share class plus an owner, such as a trust or LLC) carries its last reported balance forward. Entities first reported during the period start at zero, so transfers between an insider's own trusts don't count as selling. Lines not reported for three years or more are listed separately and left out of totals.

Sales. A sale counts as under a 10b5-1 plan if its footnote cites one or the filing's Rule 10b5-1 box is checked, and as tax-related if its footnote cites tax obligations or sell-to-cover. Shares withheld by the company for taxes are listed separately. Sales with neither attribute are labeled "no plan disclosed".

Full methodology

Former or inactive filers (35)No filing in 18 months; last reported balances, not in any total

Name	Last filed	Last reported balance
Theresa Hoffer	Mar 5, 2025	42,298 shares, last reported balance as of Mar 3, 2025
Lisa Love	Mar 5, 2024	52,485 shares, last reported balance as of Mar 1, 2024
Thomas Aaron	Jan 29, 2024	10,302 shares, last reported balance as of Jan 25, 2024
Martin Hollenbeck	Mar 3, 2022	137,846 shares, last reported balance as of Mar 1, 2022
William Bahl	Jan 31, 2022	410,322 shares, last reported balance as of Jan 27, 2022
Kenneth Lichtendahl	Jan 31, 2022	40,053 shares, last reported balance as of Jan 27, 2022
William Bahl	Jan 31, 2022	8,821 shares, last reported balance as of Jan 27, 2022
Thomas Schiff	Feb 1, 2021	2,035,831 shares, last reported balance as of Jan 28, 2021
Martin Mullen	Dec 7, 2020	74,008 shares, last reported balance as of Dec 3, 2020
Kenneth Stecher	Mar 11, 2020	219,423 shares, last reported balance as of Mar 9, 2020
Rodney McMullen	Feb 3, 2020	53,541 shares, last reported balance as of Jan 30, 2020
Gregory Bier	Feb 3, 2020	28,206 shares, last reported balance as of Jan 30, 2020
SCHERER J F	Mar 5, 2019	204,655 shares, last reported balance as of Mar 1, 2019
Timothy Timmel	Mar 3, 2017	276,762 shares, last reported balance as of Mar 1, 2017
John Schiff Jr.	Feb 21, 2017	4,598,060 shares, last reported balance as of Feb 14, 2017
Charles Stoneburner II	Nov 17, 2016	49,807 shares, last reported balance as of Nov 15, 2016
Eric Mathews	Jun 6, 2016	44,230 shares, last reported balance as of Jun 2, 2016
David Popplewell	Nov 17, 2015	85,432 shares, last reported balance as of Nov 13, 2015
Joan Shevchik	Mar 5, 2014	31,957 shares, last reported balance as of Mar 3, 2014
Anthony Woods	Feb 3, 2014	47,945 shares, last reported balance as of Jan 30, 2014
Craig Forrester	Oct 1, 2012	44,815 shares, last reported balance as of Sep 28, 2012
Thomas Joseph	Mar 5, 2012	37,696 shares, last reported balance as of Mar 1, 2012
James Benoski	Jan 31, 2011	160,703 shares, last reported balance as of Jan 27, 2011
Larry Plum	Nov 25, 2009	259,576 shares, last reported balance as of Oct 6, 2009
Kenneth Miller	Nov 26, 2007	110,229 shares, last reported balance as of Nov 21, 2007
Daniel McCurdy	Jul 5, 2007	139,681 shares, last reported balance as of Jul 3, 2007
Michael Brown	Feb 2, 2007	262,437 shares, last reported balance as of Jan 31, 2007
John Shepherd	Feb 1, 2007	7,615 shares, last reported balance as of Jan 31, 2007
Dean Dicke	Mar 29, 2005	43,916 shares, last reported balance as of Mar 28, 2005
Robert Schiff	Mar 4, 2005	4,561,472 shares, last reported balance as of Feb 15, 2005
Robert Schiff	Mar 4, 2005	851,610 shares, last reported balance as of Feb 15, 2005
Frank Schulteis	Jan 27, 2005	19,004 shares, last reported balance as of Jan 25, 2005
John Field	Jul 26, 2004	187,840 shares, last reported balance as of Jul 23, 2004
Alan Weiler	Jan 21, 2004	42,256 shares, last reported balance as of Jan 19, 2004
Lisa Franchetti		No balance on record

Spotted something wrong on this page? Report an error. We check every report against the SEC filing and list what we fix in the corrections log.

Cincinnati Financial insiders: what they own and what they did with it

What stands out

Outside holders, reported separately

Common questions

Is the Cincinnati Financial CEO selling stock?

Are any Cincinnati Financial insiders buying?

The evidence