Cincinnati Financial (CINF) director logs 27,122-share family trust distribution

Rhea-AI Filing Summary

CINCINNATI FINANCIAL CORP director Charles Odell Schiff reported trust-related changes in his indirect holdings of common stock. The Form 4 shows an "other" code J transaction for 27,122 shares involving a grandchildren's irrevocable trust, described as a distribution of shares made without consideration from a family trust where he serves as co-trustee.

The filing also updates indirect holdings held by his spouse, children and a charitable foundation, plus a direct holding of 746,695 common shares, reflecting totals after these trust and dividend reinvestment adjustments. The footnotes state he is enrolled in quarterly dividend reinvestment, and beneficially owned shares were adjusted for purchases through that plan.

Insider Trade Summary

5 transactions reported

Mixed 5 txns

Insider Schiff Charles Odell

Role null

Type	Security	Shares	Price	Value
Other	Common Stock	27,122	$0.00	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 122,910.572 shares (Indirect, By Grandchildren's Irrevocable Trust); Common Stock — 746,695 shares (Direct, null)

Footnotes (1)

1. The reporting person is enrolled in quarterly dividend reinvestment. The beneficially owned shares have been adjusted to reflect shares purchased through the reinvestment plan. Represents a distribution of shares from a trust established for the benefit of the reporting person's family members. The reporting person serves as co-trustee of the trust. The distribution was made without consideration.

Key Figures

Trust-related shares: 27,122 shares Direct holding: 746,695 shares Spouse indirect holding: 29,627 shares +4 more

7 metrics

Trust-related shares 27,122 shares Code J transaction for grandchildren's irrevocable trust

Direct holding 746,695 shares Common Stock held directly after reported updates

Spouse indirect holding 29,627 shares Common Stock held indirectly by spouse

Children indirect holding 67,037.634 shares Common Stock held indirectly by children

Charitable foundation holding 181,055 shares Common Stock held indirectly by charitable foundation

Grandchildren trust holding 122,910.572 shares Common Stock held through grandchildren's irrevocable trust

Transaction price per share $0.0000 Code J trust distribution made without consideration

Key Terms

dividend reinvestment, beneficially owned shares, irrevocable trust, co-trustee, +1 more

5 terms

dividend reinvestment financial

"The reporting person is enrolled in quarterly dividend reinvestment."

Dividend reinvestment is when the money earned from a company's profit sharing, called dividends, is automatically used to buy more shares of that company instead of being received as cash. This process helps investors grow their holdings over time without extra effort, much like using earned interest to buy more of a savings account. It encourages long-term investment growth by continuously increasing the amount of shares owned.

beneficially owned shares financial

"The beneficially owned shares have been adjusted to reflect shares purchased"

irrevocable trust financial

"By Grandchildren's Irrevocable Trust"

An irrevocable trust is a legal arrangement where an owner transfers assets into a separate entity managed by a trustee and gives up the power to modify or reclaim those assets. For investors it matters because putting stock or other holdings into such a trust can change who controls and benefits from the assets, affect taxes and creditor protection, and influence how easy it is to sell or value those holdings—like placing valuables in a locked safe overseen by someone else.

co-trustee financial

"The reporting person serves as co-trustee of the trust."

distribution of shares financial

"Represents a distribution of shares from a trust established"

Form 4 Insider Transactions: What Each Field Means →

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

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^*

Schiff Charles Odell

(Last) (First) (Middle)

6200 SOUTH GILMORE RD

(Street)

FAIRFIELD OHIO 45014

(City) (State) (Zip)

UNITED STATES

(Country)

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

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

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/11/2026

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

X	Form 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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	05/11/2026		J		27,122	D	$0.00	122,910.572(1)(2)	I	By Grandchildren's Irrevocable Trust
Common Stock								746,695	D
Common Stock								181,055	I	By Charitable Foundation
Common Stock								67,037.634(1)	I	By Children
Common Stock								29,627	I	By Spouse

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

Explanation of Responses:

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

2. Represents a distribution of shares from a trust established for the benefit of the reporting person's family members. The reporting person serves as co-trustee of the trust. The distribution was made without consideration.

Remarks:

	/s/ Charles O Schiff	05/13/2026
	** 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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider activity did CINF director Charles Odell Schiff report on this Form 4?

Charles Odell Schiff reported an "other" code J transaction involving 27,122 Cincinnati Financial common shares tied to a grandchildren's irrevocable trust. The filing also updates several indirect family and foundation holdings and confirms ongoing adjustments from quarterly dividend reinvestment enrollment.

Did Charles Odell Schiff buy or sell CINF shares in this Form 4 filing?

The Form 4 does not show traditional open-market buys or sells of Cincinnati Financial shares. It reports an "other" trust-related transaction coded J and several holding entries, along with adjustments from dividend reinvestment that change beneficially owned share totals without explicit market purchases or sales.

What is the size of the trust-related transaction reported by Charles Odell Schiff for CINF?

The Form 4 reports 27,122 Cincinnati Financial common shares in a code J transaction tied to a grandchildren's irrevocable trust. A footnote explains this represents a distribution of shares from a family trust established for relatives, made without consideration, where Schiff serves as co-trustee.

How many CINF shares does Charles Odell Schiff hold directly after the reported transactions?

After the reported updates, Charles Odell Schiff directly holds 746,695 Cincinnati Financial common shares. This figure reflects his direct ownership only; additional shares are reported as indirectly owned through his spouse, children, a charitable foundation and a grandchildren's irrevocable trust.

What indirect CINF holdings related to Charles Odell Schiff’s family are disclosed?

Indirect Cincinnati Financial holdings include 29,627 shares held by his spouse, 67,037.634 shares held by his children, 181,055 shares held by a charitable foundation, and 122,910.572 shares held through a grandchildren's irrevocable trust, all reported as indirect beneficial ownership interests.

How does dividend reinvestment affect Charles Odell Schiff’s reported CINF holdings?

A footnote states Schiff is enrolled in quarterly dividend reinvestment, so some dividends are automatically used to purchase additional Cincinnati Financial shares. The beneficially owned share totals reported in the Form 4 are adjusted to include these shares acquired through the reinvestment plan over time.