Cincinnati Financial (CINF) Gets Mixed Wall Street Signals as Pricing Trends Stay Soft

Cincinnati Financial Corporation (NASDAQ:CINF) is included among the 13 Best Dividend Kings to Buy in 2026.

On January 6, Keefe Bruyette raised its price target on Cincinnati Financial Corporation (NASDAQ:CINF) to $191 from $180 and kept an Outperform rating on the stock.

A day earlier, on January 5, BofA went the other way. The bank cut its price target to $180 from $186, while maintaining a Buy rating. In its note, the analyst said pricing trends across most P&C insurance products still look weak, similar to what played out in 2025. Liability lines are one bright spot, but the analyst warned that loss costs appear to be rising faster than prices. They also noted that personal auto rates have been largely flat, even though some investors had been expecting declines given how profitable the segment has been. Even so, BofA said insurer valuations “hardly look expensive,” even as fundamentals have moved in the “wrong direction.”

Cincinnati Financial Corporation (NASDAQ:CINF)’s underwriting record has stayed strong. Over the past five years, the company has posted an average combined ratio of 94.6%. Put simply, for every $100 in premiums it wrote, it kept around $5 as underwriting profit. In an industry where combined ratios often hover near 100%, staying consistently below that level signals disciplined underwriting and supports long-term growth.

Cincinnati Financial Corporation (NASDAQ:CINF) mainly sells business, home, and auto insurance through The Cincinnati Insurance Company and its two standard market property casualty insurance subsidiaries.

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