SVP Fu converts RSUs at Cincinnati Financial (CINF) and withholds shares

Rhea-AI Filing Summary

Cincinnati Financial senior vice president Luyang Fu reported equity award activity involving company stock. On February 12, 2026, Fu converted 313 restricted stock units into 313 shares of common stock at $0.00 per share, increasing his directly held common shares to 9,910.333.

On the same day, 106 common shares at $163.12 per share were withheld as a tax-payment disposition, leaving Fu with 9,804.333 directly owned common shares. He also reports 956.56 common shares held indirectly through the company’s 401(k) plan and 2,299.32 phantom stock units under the Top Hat Savings Plan.

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

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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^*

Fu Luyang

(Last) (First) (Middle)

6200 S GILMORE RD.

(Street)

FAIRFIELD OH 45014

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
CINCINNATI FINANCIAL CORP [ CINF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Senior Vice President-Sub

3. Date of Earliest Transaction (Month/Day/Year)
02/12/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

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	02/12/2026		M		313	A	$0.00	9,910.333	D
Common Stock	02/12/2026		F		106	D	$163.12	9,804.333	D
Common Stock								956.56(1)	I	By 401(K) Plan

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
Restricted Stock Units	$0.00	02/12/2026		M			313	(2)	(2)	Common Stock	313	$0.00	0.00	D
Phantom Stock	$0.00							(3)	(3)	Common Stock	2,299.32		2,299.32	D

Explanation of Responses:

1. The reported stock was acquired under the company's 401(k) plan. The reporting person may transfer the value of his shares into an alternative investment selection within the plan.

2. The restricted stock units vest February 12, 2026, as set forth in the agreement, if service requirements are met.

3. The reported phantom stock shares were acquired under the company's Top Hat Savings Plan, an "Excess Benefits Plan" within the meaning of Rule 16b-3(b)(2), and are to be settled upon the reporting person's retirement or other termination of service. The reporting person may transfer the value of his phantom stock shares into an alternative investment selection within the plan.

Remarks:

	/s/ Luyang Fu	02/16/2026
	** 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.

FAQ

What insider transaction did CINCINNATI FINANCIAL (CINF) executive Luyang Fu report?

Senior vice president Luyang Fu reported converting 313 restricted stock units into 313 common shares on February 12, 2026. Part of the resulting shares funded tax obligations, and his directly held common stock position changed accordingly.

How many CINF common shares does Luyang Fu hold after this Form 4 filing?

After the reported transactions, Luyang Fu directly owns 9,804.333 CINF common shares. He also has an additional 956.56 common shares held indirectly through the company’s 401(k) plan, plus 2,299.32 phantom stock units tied to future settlement.

What does the tax-related transaction code F mean in the CINF Form 4?

Transaction code F indicates a tax-withholding disposition, not an open-market sale. For CINF, 106 common shares at $163.12 per share were withheld to cover taxes tied to Fu’s restricted stock unit conversion.

What are the restricted stock units reported by CINCINNATI FINANCIAL’s Luyang Fu?

The restricted stock units (RSUs) represent rights to receive CINF common shares. On February 12, 2026, 313 RSUs vested and were converted into 313 common shares at $0.00 exercise price, reflecting previously granted equity compensation.

What is the phantom stock reported in Luyang Fu’s CINF Form 4?

Phantom stock represents deferred units under the company’s Top Hat Savings Plan, not current tradable shares. Fu reports 2,299.32 phantom stock units, which are scheduled to be settled upon retirement or other termination of service, according to the plan terms.

How is CINF stock held through the 401(k) plan reported for Luyang Fu?

The Form 4 shows 956.56 CINF common shares held indirectly through the company’s 401(k) plan. Footnotes explain this stock was acquired under the plan and that Fu may shift its value among alternative investment options available within the plan.