InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$243.71

2026-10-16

Market Cap

$11.3B

Volume

0.2M

52-Wk High

$330.54

52-Wk Low

$204.63

Trailing PE

19.7

P/S

2.73

Gross Margin

16.5%

Net Margin

14.0%

ROE

25%

ROIC

22%

Piotroski

6/9

Altman Z

9.6

1-Yr Return

-20.0%

5-Yr Return

+28.7%

Erie Indemnity Company operates as a managing attorney-in-fact for the subscribers at the Erie Insurance Exchange in the United States. It provides issuance and renewal services; sales related services, including agent compensation and sales and advertising support services; underwriting services that include underwriting and policy processing; and other services consist of customer services and administrative support services, as well as information technology services. The company was incorporated in 1925 and is based in Erie, Pennsylvania.

SectorFinancial ServicesIndustryInsurance - Property & CasualtyExchangeNASDAQMarket Cap$11.3BEmployees6,667 (SEC-filed)CEOTimothy G. NeCastroIPO1995-10-02CountryUS

100 Erie Insurance Place, Erie, PA 16530 · Tel 814 870 2000 · erieinsurance.com

INSIDERSTREET SCORE64 / 100InsiderStreet publishes no price target

INSIDER CONSENSUS SIGNALNET BUYING$1.4M open-market purchases vs $0.1M sales / 6 mo

INSIDERSTREET
SCORE64of 100

Score Breakdown

Profitability	67/100
Growth	43/100
Momentum	70/100
Quality	82/100
Earnings Quality	74/100
Balance Sheet	84/100
Value	51/100
Risk (safety)	100/100
Overall	64.1/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
AFG	53
CNA	54
ORI	56
AIZ	59
KNSL	80
RE	45
ERIE	64

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 73 in 24 Q4, latest 64 — -9 since. Fell in 2 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

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1 Year vs S&P 500 · ERIE -20.0% · S&P 500 +15.9% · spread -35.9pp

7 Years vs S&P 500 · ERIE +28.7% · S&P 500 +189.9% · spread -161.2pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

BUSINESS QUALITY64 / 100IS Score 64.1 / 100 · -9.2 from peak of 73

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBULLISHTechnical Score 78 / 100 · Power +56 · 21 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit above the midpoint — business quality at 64 and price structure at 78 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 64.1	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 72 → 64 → 63 → 64	the direction matters more than the level
Technical vote share back above 50%	now 82%	price structure no longer broken
Institutional holder count rises two quarters running	peak 443 → now 443	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Site Convergence Score4 of 4top 0% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)4 buys2026-03-30

Insider Buys (180d)3$1.43M

ETF Funds (30d)420 up / 318 downnet +102 funds

Institutions Added (13F)40managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 443 · latest 443 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	443	21.8M	$5.2B	47.1%
2026 Q1	403	20.0M	$5.0B	43.3%
2025 Q4	422	20.8M	$5.9B	45.1%
2025 Q3	418	20.6M	$6.5B	44.7%
2025 Q2	410	20.3M	$7.0B	43.9%
2025 Q1	413	19.9M	$8.3B	43.0%
2024 Q4	400	17.3M	$7.1B	37.5%
2024 Q3	369	17.1M	$9.0B	37.0%
2024 Q2	311	16.8M	$6.1B	36.3%
2024 Q1	318	16.9M	$6.8B	36.6%
2023 Q4	298	16.7M	$5.6B	36.2%
2023 Q3	303	16.9M	$4.9B	36.6%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Shine Sarah	Executive Vice President	2026-09-30	J-Other	7	$0.00M	579
Dabreo Anthony	Senior Vice President, Life	2026-09-30	J-Other	5	$0.00M	926
Cook Cody	Executive Vice President	2026-09-30	J-Other	7	$0.00M	1,171
Cook Cody	Executive Vice President	2026-08-31	J-Other	4	$0.00M	1,163
Shine Sarah	Executive Vice President	2026-08-31	J-Other	4	$0.00M	573
Dabreo Anthony	Senior Vice President, Life	2026-08-31	J-Other	1	$0.00M	921
Connell Eugene C	director	2026-07-31	J-Other	65	—	3,454
Borneman J Ralph Jr	director	2026-07-31	J-Other	65	—	20,625

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	1	465	$0.1M	Counted
P — Open-market purchases	3	7,000	$1.4M	Counted
G — Gifts	1	2,039	—	None

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalNet Buying

Open-Market Sells$0.1M1 txns / 6 mo

Open-Market Buys$1.4M3 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2024-08-16	Lorianne Feltz	1,000	$0.5M
2023-08-18	Marc Cipriani	2,000	$0.6M
Trailing 12 mo	0 filings	—	$0M

Filed	Form	Reporting person	% of class	Shares
2026-03-26	SCHEDULE 13G/A	The Vanguard Group	—	exit/reporting change
2025-05-09	SCHEDULE 13G/A	The PNC Financial Services Group, Inc.	11.00%	5.1M sh
2025-02-07	SCHEDULE 13G/A	The PNC Financial Services Group, Inc.	12.50%	5.8M sh
2025-01-30	SCHEDULE 13G/A	The Vanguard Group	6.39%	3.0M sh

Member	Chamber	Trade	Size band	Traded	Disclosed
Gilbert Cisneros	House	SELL	$1,001 - $15,000	2026-02-10	2026-03-10
Gilbert Ray Cisneros	House	SELL	$1,001 - $15,000	2026-02-10	2026-03-10
Ro Khanna	House	BUY	$1,001 - $15,000	2026-01-29	2026-02-10
John Fetterman	Senate	BUY	$1,001 - $15,000	2026-03-30	2026-04-03
John Karl Fetterman	Senate	BUY	$1,001 - $15,000	2026-03-30	2026-04-03
John Fetterman	Senate	BUY	$1,001 - $15,000	2026-03-27	2026-04-03

House 12-Mo7 trades4 purchases

Senate 12-Mo4 trades4 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

13F Filers (last complete Q)403

13F Shares20M43.3% of shares out

New / Closed55 / 63positions, QoQ

Increased / Reduced173 / 126positions, QoQ

Put/Call (13F)1.00option positions

Free Float53.9%25M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Czech National Bank	7,432	$2M
Legacy Financial Strategies, Llc	6,958	$2M
Paragon Capital Management Inc	4,050	$1M
Gateway Investment Advisers Llc	3,479	$1M
Mfa Wealth Advisors, Llc	3,209	$1M
Mather Group, Llc.	2,701	$1M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
RSP	0.2%	$187M
NOBL	1.6%	$179M
VITSX	0.0%	$178M
VSMPX	0.0%	$178M
VTSAX	0.0%	$178M
VTI	0.0%	$178M

13F Filers Holding ERIE — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session60.3%2026-10-15

20-Day Avg65.1%50-day 69.1%

TrendFalling20d vs 50d

By Market CenterQ: 59% · N: 86% · B: 24%latest session

Weekly Notional ($B)

Where ERIE Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	0.2M	12 sh
Ubsa Ubs Ats	0.2M	20 sh
Sgmt Sigma X2	0.1M	10 sh
Ebxl Level Ats	0.1M	7 sh
Mstx Ms Trajectory Cross (Ats-1)	0.1M	8 sh
Mlix Instinct X	0.1M	21 sh

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Where a dollar of Erie Indemnity Company revenue goes. All values FY2025 filings, live.

ERIE (live moat model)Peer median: AFG · CNA · ORI · AIZ · KNSL

Component scores from the live moat model. Peer median illustrative.

Moat score 50/100 — Weak; primary source Cost Advantage.

3.8 · Employees (SEC filings)

Officer	Title
Timothy Gerard NeCastro	President & Chief Executive Officer
Parthasarathy Srinivasa	Executive Vice President & Chief Information Officer
Julie Marie Pelkowski	Executive Vice President & Chief Financial Officer
Brian William Bolash	Executive Vice President, Corporate Secretary & General Counsel

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Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)2 of 6recent quarters

Avg Surprise-23.1%

Next Report2026-10-29

Income Quality2.83OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Profit Margins (%)

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+3.8%	+7.8%	+15.1%	+16.1%	+7.2%
Gross profit	-5.9%	+18.3%	+38.3%	+30.0%	-5.3%
Operating income	-5.9%	+18.3%	+38.3%	+30.0%	+6.4%
Net income	+1.6%	+0.2%	+49.4%	+34.6%	-6.8%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	2.6	2.8	3.3	3.8	4.1
Cost of revenue	2.3	2.5	2.7	3.1	3.4
Gross profit	0.3	0.4	0.5	0.7	0.6
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	0.0	0.0	0.0	0.0	0.1
Operating income	0.3	0.4	0.5	0.7	0.7
EBITDA	0.4	0.4	0.6	0.8	0.8
D&A	0.0	0.0	0.0	0.1	0.1
Pretax income	0.4	0.4	0.6	0.8	0.7
Income tax	0.1	0.1	0.1	0.2	0.2
Net income	0.3	0.3	0.4	0.6	0.6
Diluted EPS ($)	5.69	5.71	8.53	11.48	10.62
Diluted shares (M)	46	46	53	53	53

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Operating CF$1B

CapEx$0B

Free cash flow$1B

SBC$-0B

Buybacks$0B

Net cash change$0B

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	0.1	0.1	0.3	0.3
ST investments	0.0	0.1	0.0	0.0
Receivables (net)	0.5	0.6	0.7	0.7
Total current assets	0.8	0.9	1.1	1.2
PP&E (net)	0.4	0.4	0.5	0.6
Goodwill + intangibles	0.0	-0.0	0.0	0.0
Total assets	2.2	2.5	2.9	3.4
Accounts payable	0.2	0.2	0.2	0.0
Short-term debt	0.0	0.0	0.0	0.0
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	0.7	0.7	0.8	0.9
Long-term debt	0.0	0.0	0.0	0.0
Total liabilities	0.8	0.8	0.9	1.1
Shareholders' equity	1.4	1.7	2.0	2.3

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	0.3	0.4	0.6	0.6
D&A	0.1	0.1	0.1	0.0
Stock-based compensation	0.0	0.0	0.0	(0.1)
Working capital change	(0.0)	(0.1)	(0.1)	0.0
Operating cash flow	0.4	0.4	0.6	0.7
Capital expenditures	(0.1)	(0.1)	(0.1)	(0.1)
Investing cash flow	(0.1)	(0.2)	(0.2)	(0.4)
Buybacks	0.0	0.0	0.0	0.0
Dividends paid	(0.2)	(0.2)	(0.2)	(0.3)
Debt issuance / (repay)	(0.1)	0.0	0.0	0.0
Financing cash flow	(0.3)	(0.2)	(0.2)	(0.2)
Free cash flow	0.3	0.3	0.5	0.6

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	23.5%	21.4%	28.7%	32.9%	26.2%	25%
ROA	13.7%	13.3%	18.9%	22.4%	17.9%	16.2%
ROIC	20.7%	21.2%	28.7%	32.0%	29.7%	21.9%
Gross margin	12.1%	13.2%	15.9%	17.8%	15.8%	16.5%
Operating margin	12.1%	13.2%	15.9%	17.8%	17.7%	17.9%
Net margin	11.3%	10.5%	13.6%	15.8%	13.8%	14.0%
EBITDA margin	13.3%	15.1%	18.4%	20.2%	19.4%	19.2%
FCF margin	9.6%	10.5%	8.8%	12.8%	13.3%	—
VALUATION
P/E	31.54	41.84	38.47	35.38	26.86	19.7
P/B	7.00	8.63	10.32	10.69	6.58	4.6
P/S	3.57	4.40	5.25	5.60	3.49	2.73
P/FCF	36.99	41.79	59.46	43.67	26.31	20.4
EV/EBITDA	27.32	29.52	28.25	27.39	20.32	14.0
EV/Revenue	3.52	4.38	5.18	5.51	3.40	2.7
Earnings yield	3.2%	2.4%	2.6%	2.8%	3.7%	5.13%
FCF yield	2.7%	2.4%	1.7%	2.3%	3.8%	4.91%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	1.21	1.10	1.31	1.43	1.27	1.25
Quick ratio	1.21	1.11	1.31	1.43	1.27	1.25
Debt / equity	0.07	0.08	0.00	0.00	0.00	0.03
Debt / assets	4.2%	5.5%	0.0%	0.3%	0.0%	1.8%
Net debt / EBITDA	-0.38	-0.10	-0.38	-0.41	-0.53	-0.28
Interest coverage	76.00	190.27	—	—	—	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	1.21	1.27	1.39	1.42	1.38	1.16
Receivables turnover	5.41	5.66	5.64	5.61	5.92	5.4
DSO (days)	67	65	65	65	62	68
DPO (days)	23	22	22	21	10	22
Cash conversion cycle	45	41	42	44	52	46
GROWTH (YoY)
Revenue growth	3.8%	7.8%	15.1%	16.1%	13.4%	—
Net income growth	1.6%	0.2%	49.4%	34.6%	-6.8%	—
EPS growth	2.3%	-0.5%	49.4%	35.5%	-7.5%	—
FCF growth	-11.5%	17.7%	-3.5%	68.6%	17.4%	—
PER SHARE ($)
EPS (diluted, TTM)	5.69	5.67	8.47	11.48	10.62	12.49
Book value / share	25.66	27.49	31.56	37.99	43.34	53.41
Revenue / share	50.35	53.91	62.05	72.55	81.70	89.21
FCF / share	4.86	5.67	5.48	9.30	10.84	11.97
Cash / share	4.25	3.16	4.29	6.11	7.21	7.46
SHAREHOLDER RETURN & SCORES
Buyback yield	0.0%	0.0%	0.0%	0.0%	0.0%	—
Altman Z-Score	9.53	12.96	16.48	17.95	11.87	9.6
Piotroski F-Score	7	6	7	8	5	6/9
Beneish M-Score	-3.07	-2.70	-2.92	-2.54	-2.46	-2.59

Model	Score	Zone	Note
Piotroski F-Score	6 / 9	Middling
Altman Z-Score	9.6	Safe (>2.99)	Safe
Income quality	2.83	Cash-backed	OCF ÷ net income
Beneish M-Score	-2.59	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.79
Interest burden	1.03
Operating margin	16.3%
Asset turnover	1.30×
Financial leverage	1.44×
= ROE	25%

Growth Quality (live)	Value
Revenue stability	0.98
Earnings stability	0.85
Earnings persistence	0.97
Revenue CAGR 3y	12.8%
EPS CAGR 3y	18.0%
FCF CAGR 3y	15.9%

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Buyback Yield0.00%

Dividend Yield2.40%

Total Shareholder Return2.11%cash yield

SBC / Revenue-3.3%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
AFG	$12.4B	13.0	20%	12.4%	-1.1%	6/9	+19.7%
CNA	$13.0B	10.5	12%	8.4%	+4.5%	8/9	+7.3%
ORI	$9.6B	8.5	19%	12.9%	+11.6%	7/9	+5.7%
AIZ	$14.0B	13.3	18%	8.6%	+9.4%	7/9	+37.0%
KNSL	$8.3B	14.8	30%	32.1%	+15.8%	7/9	—
RE	$15.3B	8.0	13%	14.1%	-5.1%	5/9	—
THG	$8.1B	11.0	22%	11.1%	+5.8%	8/9	—
MCY	$5.7B	6.1	39%	15.7%	+10.0%	7/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Third-Party Composite Rating

A-

DCF

4/5

ROE

5/5

ROA

5/5

Debt/Eq

4/5

P/E

2/5

P/B

1/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

ERIE -20.0% vs S&P 500 +15.9% — spread -35.9pp

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

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Moving Average	Value	Distance	% Distance	Signal
SMA 20	$225.46	+18.25	+8.09%	Above
SMA 50	$241.61	+2.10	+0.87%	Above
SMA 200	$243.11	+0.60	+0.25%	Above
EMA 9	$231.46	+12.25	+5.29%	Above
EMA 21	$230.63	+13.08	+5.67%	Above
EMA 50	$234.78	+8.93	+3.80%	Above
EMA 200	$250.33	-6.62	-2.64%	Below

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

TECHNICAL VERDICTBULLISHPower Score +5621 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%90

Momentum 25%91

Volume 20%69

Volatility 10%67

Patterns 15%50

This Week82% bullishof 11 price-based votes

4 Weeks Ago0%+82 pts since

12 Weeks Ago0%+82 pts since

ReadImprovingweek-over-week trajectory

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Price vs SMA 20$225.46

Price vs SMA 50$241.61

Price vs SMA 200$243.11

EMA 9/21 Cross231.5/230.6

SMA 50/200Death

ADX DirectionADX 26

Supertrend$219

Parabolic SAR$221

SMA Slope0.310

RSI60.9

Stochastic K/D88/82

StochRSI K/D99/98

Williams %R-1

CCI202

TSI vs Signal-5.2

CMO21.9

ROC10.96%

OBV SignalAccum

Chaikin MF0.010

MFI65

Force Index0M

Elder Ray Bull13.37

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 82

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$238.22 / $242.60 / $246.50	S1 / S2	$234.32 / $229.94
Bollinger (20,2)	$211.11 – $239.81	Squeeze	Off
52-wk range	$202.12 – $322.93	Off 52-wk high	-24.5%
ATR (14)	$7.44 (3.1%)	Historical vol	33.8%

+0.3%Jan55%

-0.1%Feb40%

-0.2%Mar43%

+0.4%Apr60%

-0.5%May50%

+2.1%Jun60%

+2.2%Jul55%

+2.1%Aug60%

-0.2%Sep55%

+1.3%Oct50%

+3.0%Nov70%

+2.3%Dec70%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	ERIE	S&P 500
Weekly volatility (σ, 1y)	5.32%	1.83%
Best / worst week (1y)	+17.9% / -16.4%	—
Max drawdown (5y, monthly)	-58.3%	—
1-week VaR (95%)	-10.1%	—
Beta (5y)	0.30	1.00

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

ERIE EQUITY WEATHER (LIVE)CLOUDY · +1

Trend+17

Momentum+61

Volume-42

Volatility-60

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 74 stories, weekly buckets, −1 to +1.

Overall+0.7+10.7 vs industry

Trend+16.9+15.2 vs industry

Momentum+61.5+47.2 vs industry

Volume-42.4-34.9 vs industry

Reading	ERIE	Insurance - Property & Casualty n=188	Financial Services n=24,134	All US symbols n=70,435
Overall	+0.7	-10.0	-16.3	-20.5
Trend	+16.9	+1.7	-12.5	-21.3
Momentum	+61.5	+14.3	-4.4	-15.8
Volume	-42.4	-7.5	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Jeffrey A. Ludrof, Former President and CEO	$8.6M	16% equity+incentive
John J. Brinling, Jr., President and CEO**	$2.7M	47% equity+incentive
Philip A. Garcia, Executive Vice President	$1.3M	58% equity+incentive
Thomas B. Morgan, Executive Vice President,	$1.3M	63% equity+incentive
Douglas F. Ziegler, Senior Vice President a	$1.0M	46% equity+incentive

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Pillar (live disclosure scores)	Score
Environmental	48
Social	65
Governance	55
Composite ESG	56

Composite ESG Trend

Filed	8-K contents	Items
2026-07-30	Earnings Release; Other Events; Exhibits	2.02,8.01,9.01
2026-05-21	Officer/Director Change	5.02
2026-04-23	Earnings Release; Shareholder Vote; Other Events; Exhibits	2.02,5.07,8.01,9.01
2026-02-23	Results of Operations and Financial Condition; Other Events; Financial	2.02,8.01,9.01
2026-02-20	Departure/Election of Directors; Appointment of Officers; Other Events	5.02,8.01,9.01
2025-12-11	Other Events; Financial Statements and Exhibits	8.01,9.01
2025-10-30	Results of Operations and Financial Condition; Amendment to Code of Et	2.02,5.05,9.01
2025-08-07	Results of Operations and Financial Condition; Other Events; Financial	2.02,8.01,9.01

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-07-30 to 2026-04-23
Analyst estimates	dim/forward_estimates	2 rows · 2026-12-31 to 2027-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	111 rows · 1998 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-07-31 to 2026-09-30
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	4 rows · 2025-01-30 to 2026-03-26
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Erie Indemnity Company (ERIE)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Erie Indemnity Company (ERIE)

Erie Indemnity Company (ERIE)

Institutions holding — 12 quarters

Erie Indemnity Company (ERIE)

Monthly Net Insider Flow (000 shares)

Signal Summary

Erie Indemnity Company (ERIE)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding ERIE — quarterly

Institutional Put/Call — quarterly

Where ERIE Trades in the Dark

Erie Indemnity Company (ERIE)

3.8 · Employees (SEC filings)

Erie Indemnity Company (ERIE)

Erie Indemnity Company (ERIE)

Erie Indemnity Company (ERIE)

Balance Sheet — Full

Cash Flow Statement — Full

Erie Indemnity Company (ERIE)

Erie Indemnity Company (ERIE)

Erie Indemnity Company (ERIE)

Third-Party Composite Rating

Erie Indemnity Company (ERIE)

Erie Indemnity Company (ERIE)

Family Scores (site weights)

Erie Indemnity Company (ERIE)

Erie Indemnity Company (ERIE)

Erie Indemnity Company (ERIE)

Erie Indemnity Company (ERIE)