David M Ratcliffe — SEC Insider Profile, Roles & Companies

Insider at

SOJC TFC buying March 10, 2023 CSX buying Sept. 1, 2015

Insider transactions

0 buys (P) 0 sells (S) Net: $0 + 96 non-open-market transactions below last 12 months, based on the transactions shown below

Price change vs current quote, split-adjusted for corporate actions since the filing — not benchmarked, not annualized, not size-weighted

96 other filings hidden

Date	Ticker	Code	Shares	Price	Value	Owned after	Δ own	A/D	vs now
March 10, 2023	TFC	P	13,125	$38.08	$499,800	39,025 Indirect	+50.68%	Acquired	22.0% (price as of 2026-10-02)
Feb. 28, 2023	TFC	A	3,833	·	·	8,881 Direct	+75.93%	Acquired	(price as of 2026-10-02)
June 22, 2022	TFC	P	132	$47.00	$6,204	3,055 Direct	+4.52%	Acquired	-1.2% (price as of 2026-10-02)
Feb. 22, 2022	TFC	A	2,412	·	·	4,966 Direct	+94.44%	Acquired	(price as of 2026-10-02)
Feb. 23, 2021	TFC	A	2,554	·	·	2,554 Direct	·	Acquired	(price as of 2026-10-02)
Feb. 25, 2020	TFC	A	2,923	·	·	2,923 Direct	·	Acquired	(price as of 2026-10-02)
Dec. 6, 2019	TFC	A	37,749	·	·	37,749 Direct	·	Acquired	(price as of 2026-10-02)
Dec. 6, 2019	TFC	A	35,505	·	·	35,505 Direct	·	Acquired	(price as of 2026-10-02)
Dec. 6, 2019	TFC	A	1,645	·	·	1,645 Indirect	·	Acquired	(price as of 2026-10-02)
Dec. 6, 2019	TFC	A	25,900	·	·	25,900 Indirect	·	Acquired	(price as of 2026-10-02)
Dec. 6, 2019	750556	D	29,150	·	·	0 Direct	-100.00%	Disposed
Dec. 6, 2019	750556	D	27,417	·	·	0 Direct	-100.00%	Disposed
Dec. 6, 2019	750556	D	1,271	·	·	0 Indirect	-100.00%	Disposed
Dec. 6, 2019	750556	D	20,000	·	·	0 Indirect	-100.00%	Disposed
Oct. 1, 2019	750556	A	574	$67.49	$38,739	28,921 Direct	+2.02%	Acquired
July 2, 2019	750556	A	621	$62.49	$38,806	27,693 Direct	+2.29%	Acquired
April 23, 2019	750556	A	610	$63.54	$38,759	27,072 Direct	+2.31%	Acquired
April 23, 2019	750556	A	2,204	$63.54	$140,042	26,033 Direct	+9.25%	Acquired
Jan. 3, 2019	750556	A	746	$51.93	$38,740	26,462 Direct	+2.90%	Acquired
Dec. 19, 2018	750556	A	182	$49.40	$8,991	25,715 Direct	+0.71%	Acquired
Oct. 2, 2018	750556	A	421	$65.93	$27,757	25,291 Direct	+1.69%	Acquired
July 2, 2018	750556	A	436	$67.02	$29,221	24,690 Direct	+1.80%	Acquired
April 27, 2018	750556	A	443	$67.66	$29,973	24,113 Direct	+1.87%	Acquired
April 24, 2018	750556	A	1,851	$67.53	$124,998	23,829 Direct	+8.42%	Acquired
April 2, 2018	750556	A	556	$66.08	$36,740	23,670 Direct	+2.41%	Acquired
Jan. 2, 2018	750556	A	289	$64.86	$18,745	22,985 Direct	+1.27%	Acquired
Dec. 18, 2017	750556	A	204	$66.03	$13,470	22,696 Direct	+0.91%	Acquired
Oct. 2, 2017	750556	A	464	$59.83	$27,761	22,354 Direct	+2.12%	Acquired
July 10, 2017	750556	A	430	$57.55	$24,746	21,731 Direct	+2.02%	Acquired
May 12, 2017	750556	A	533	$56.33	$30,024	21,203 Direct	+2.58%	Acquired
April 25, 2017	750556	A	2,186	$57.19	$125,017	21,068 Direct	+11.58%	Acquired
April 3, 2017	750556	A	559	$55.46	$31,002	20,670 Direct	+2.78%	Acquired
March 15, 2017	CSX	A	573	$47.95	$27,475	247,186 Indirect	+0.23%	Acquired	196.7% (price as of 2026-10-02)
Feb. 8, 2017	CSX	A	4,031	$47.96	$193,327	246,612 Indirect	+1.66%	Acquired	196.7% (price as of 2026-10-02)
Jan. 3, 2017	750556	A	315	$55.49	$17,479	20,021 Direct	+1.60%	Acquired
Dec. 16, 2016	750556	A	163	$55.27	$9,009	19,706 Direct	+0.83%	Acquired
Dec. 15, 2016	CSX	A	681	$36.67	$24,972	241,376 Indirect	+0.28%	Acquired	288.0% (price as of 2026-10-02)
Oct. 11, 2016	750556	A	449	$45.63	$20,488	19,452 Direct	+2.36%	Acquired
Sept. 15, 2016	CSX	A	69	$26.39	$1,821	11,410 Direct	+0.61%	Acquired	439.2% (price as of 2026-10-02)
Sept. 15, 2016	CSX	A	855	$29.23	$24,992	239,233 Indirect	+0.36%	Acquired	386.8% (price as of 2026-10-02)
July 5, 2016	750556	A	785	$39.50	$31,008	18,892 Direct	+4.34%	Acquired
June 15, 2016	CSX	A	947	$26.39	$24,991	236,792 Indirect	+0.40%	Acquired	439.2% (price as of 2026-10-02)
May 17, 2016	750556	A	487	$41.10	$20,016	18,002 Direct	+2.78%	Acquired
April 26, 2016	750556	A	2,828	·	·	18,882 Direct	+17.62%	Acquired
April 4, 2016	750556	A	479	$36.50	$17,484	17,515 Direct	+2.81%	Acquired
March 15, 2016	CSX	A	963	$25.95	$24,990	234,217 Indirect	+0.41%	Acquired	448.3% (price as of 2026-10-02)
Feb. 10, 2016	CSX	A	5,819	·	·	233,254 Indirect	+2.56%	Acquired	(price as of 2026-10-02)
Jan. 5, 2016	750556	A	419	$41.77	$17,502	16,640 Direct	+2.58%	Acquired
Dec. 21, 2015	750556	A	247	$42.45	$10,485	16,221 Direct	+1.55%	Acquired
Dec. 15, 2015	CSX	A	951	$26.29	$25,002	225,842 Indirect	+0.42%	Acquired	441.2% (price as of 2026-10-02)
Oct. 1, 2015	750556	A	453	$38.59	$17,481	15,885 Direct	+2.94%	Acquired
Sept. 30, 2015	750556	A	39	$38.24	$1,491	15,432 Direct	+0.25%	Acquired
Sept. 15, 2015	CSX	A	68	$28.89	$1,965	11,109 Indirect	+0.62%	Acquired	392.5% (price as of 2026-10-02)
Sept. 15, 2015	CSX	A	865	$28.89	$24,990	223,499 Indirect	+0.39%	Acquired	392.5% (price as of 2026-10-02)
Sept. 1, 2015	CSX	P	1,868	$26.84	$50,137	1,868 Direct	·	Acquired	430.1% (price as of 2026-10-02)
Sept. 1, 2015	750556	P	1,271	·	·	1,271 Indirect	·	Acquired
Aug. 18, 2015	750556	A	169	$44.26	$7,480	15,301 Direct	+1.12%	Acquired
Aug. 18, 2015	750556	A	169	$44.26	$7,480	15,301 Direct	+1.12%	Acquired
Aug. 12, 2015	750556	A	105	$42.95	$4,510	15,132 Direct	+0.70%	Acquired
July 27, 2015	750556	A	34	$43.92	$1,493	15,027 Direct	+0.23%	Acquired
July 2, 2015	750556	A	345	$43.54	$15,021	14,993 Direct	+2.36%	Acquired
June 26, 2015	750556	A	34	$43.87	$1,492	14,648 Direct	+0.23%	Acquired
June 15, 2015	CSX	A	57	$34.67	$1,976	11,041 Indirect	+0.52%	Acquired	310.4% (price as of 2026-10-02)
June 15, 2015	CSX	A	721	$34.67	$24,997	221,498 Indirect	+0.33%	Acquired	310.4% (price as of 2026-10-02)
June 10, 2015	750556	A	136	$44.01	$5,985	14,535 Direct	+0.94%	Acquired
April 29, 2015	750556	A	504	$41.70	$21,017	14,399 Direct	+3.63%	Acquired
April 28, 2015	750556	A	2,916	$41.15	$119,993	15,682 Direct	+22.84%	Acquired
April 14, 2015	750556	A	36	$41.65	$1,499	13,859 Direct	+0.26%	Acquired
April 1, 2015	750556	A	367	$40.84	$14,988	13,823 Direct	+2.73%	Acquired
March 25, 2015	750556	A	37	$40.54	$1,500	13,456 Direct	+0.28%	Acquired
March 16, 2015	CSX	A	721	$34.66	$24,990	219,748 Indirect	+0.33%	Acquired	310.5% (price as of 2026-10-02)
March 13, 2015	CSX	A	10,984	·	·	10,984 Indirect	·	Acquired	(price as of 2026-10-02)
Feb. 13, 2015	750556	A	36	$41.57	$1,497	13,392 Direct	+0.27%	Acquired
Feb. 12, 2015	750556	A	108	$41.56	$4,488	13,356 Direct	+0.82%	Acquired
Feb. 11, 2015	CSX	A	4,213	·	·	219,027 Indirect	+1.96%	Acquired	(price as of 2026-10-02)
Jan. 9, 2015	750556	A	39	$38.82	$1,514	13,248 Direct	+0.30%	Acquired
Jan. 5, 2015	750556	A	410	$40.24	$16,498	13,209 Direct	+3.20%	Acquired
Dec. 18, 2014	750556	A	72	$41.71	$3,003	12,799 Direct	+0.57%	Acquired
Dec. 15, 2014	CSX	A	615	$34.53	$21,236	213,829 Indirect	+0.29%	Acquired	312.1% (price as of 2026-10-02)
Dec. 4, 2014	750556	A	37	$40.03	$1,481	12,664 Direct	+0.29%	Acquired
Nov. 25, 2014	750556	A	38	$39.76	$1,511	12,627 Direct	+0.30%	Acquired
Nov. 12, 2014	750556	A	113	$39.85	$4,503	12,589 Direct	+0.91%	Acquired
Oct. 28, 2014	750556	A	39	$38.43	$1,499	12,476 Direct	+0.31%	Acquired
Oct. 1, 2014	750556	A	399	$37.64	$15,018	12,437 Direct	+3.31%	Acquired
Sept. 24, 2014	750556	A	39	$38.90	$1,517	12,039 Direct	+0.33%	Acquired
Sept. 15, 2014	CSX	A	674	$31.49	$21,224	212,147 Indirect	+0.32%	Acquired	351.9% (price as of 2026-10-02)
July 28, 2014	750556	A	39	$38.68	$1,509	11,939 Direct	+0.33%	Acquired
July 1, 2014	750556	A	374	$40.12	$15,005	11,900 Direct	+3.24%	Acquired
June 27, 2014	750556	A	37	$40.22	$1,488	11,526 Direct	+0.32%	Acquired
June 16, 2014	750556	A	38	$39.85	$1,514	11,433 Direct	+0.33%	Acquired
June 16, 2014	CSX	A	702	$30.26	$21,243	211,473 Indirect	+0.33%	Acquired	370.2% (price as of 2026-10-02)
June 10, 2014	750556	A	149	$40.37	$6,015	11,395 Direct	+1.32%	Acquired
May 28, 2014	750556	A	39	$38.25	$1,492	11,246 Direct	+0.35%	Acquired
May 27, 2014	750556	A	39	$38.45	$1,500	11,207 Direct	+0.35%	Acquired
April 22, 2014	750556	A	3,061	$39.20	$119,991	12,516 Direct	+32.37%	Acquired
April 22, 2014	750556	A	497	$39.20	$19,482	11,168 Direct	+4.66%	Acquired
April 1, 2014	750556	A	372	$40.27	$14,980	10,671 Direct	+3.61%	Acquired
March 24, 2014	750556	A	37	$40.23	$1,489	10,298 Direct	+0.36%	Acquired
Oct. 24, 2013	750556	J	20,000	·	·	20,000 Indirect	·	Acquired
Oct. 24, 2013	750556	J	20,000	·	·	0 Direct	-100.00%	Disposed

Showing latest 100 of 242 transactions

P = Open-market purchase · S = Sale · A = Grant/award · M = Option exercise · G = Gift · F = Tax withholding

Insider transactions are not a recommendation; sales are often driven by liquidity or tax reasons.

Derivative holdings (Form 4 Table II) Options, RSUs and convertible securities reported on Form 4 Table II.

Date	Ticker	Security	Underlying	Exercise price	Expiration	Shares	A/D
Feb. 28, 2023	TFC	Restricted Stock Unit	Common Stock (3,833)	·	·	3,833	Acquired
Feb. 22, 2022	TFC	Restricted Stock Unit	Common Stock (2,412)	·	·	2,412	Acquired
Feb. 23, 2021	TFC	Restricted Stock Unit	Common Stock (2,554)	·	·	2,554	Acquired
Dec. 6, 2019	TFC	Phantom Stock Unit	Common Stock (37,749)	·	·	37,749	Acquired
Dec. 6, 2019	TFC	Phantom Stock Unit	Common Stock (35,505)	·	·	35,505	Acquired
Dec. 6, 2019	750556	Phantom Stock	Common Stock (29,150)	·	·	29,150	Disposed
Dec. 6, 2019	750556	Phantom Stock	Common Stock (27,417)	·	·	27,417	Disposed
Oct. 1, 2019	750556	Phantom Stock [F3]	Common Stock (574)	·	·	574	Acquired
July 2, 2019	750556	Phantom Stock [F3]	Common Stock (621)	·	·	621	Acquired
April 23, 2019	750556	Phantom Stock [F3]	Common Stock (610)	·	·	610	Acquired
April 23, 2019	750556	Phantom Stock [F2]	Common Stock (2,204)	·	·	2,204	Acquired
Jan. 3, 2019	750556	Phantom Stock [F3]	Common Stock (746)	·	·	746	Acquired
Dec. 19, 2018	750556	Phantom Stock [F3]	Common Stock (182)	·	·	182	Acquired
Oct. 2, 2018	750556	Phantom Stock [F3]	Common Stock (421)	·	·	421	Acquired
July 2, 2018	750556	Phantom Stock [F3]	Common Stock (436)	·	·	436	Acquired
April 27, 2018	750556	Phantom Stock [F3]	Common Stock (443)	·	·	443	Acquired
April 24, 2018	750556	Phantom Stock [F2]	Common Stock (1,851)	·	·	1,851	Acquired
April 2, 2018	750556	Phantom Stock [F3]	Common Stock (556)	·	·	556	Acquired
Jan. 2, 2018	750556	Phantom Stock [F3]	Common Stock (289)	·	·	289	Acquired
Dec. 18, 2017	750556	Phantom Stock [F3]	Common Stock (204)	·	·	204	Acquired
Oct. 2, 2017	750556	Phantom Stock [F3]	Common Stock (464)	·	·	464	Acquired
July 10, 2017	750556	Phantom Stock [F3]	Common Stock (430)	·	·	430	Acquired
May 12, 2017	750556	Phantom Stock [F3]	Common Stock (533)	·	·	533	Acquired
April 25, 2017	750556	Phantom Stock [F2]	Common Stock (2,186)	·	·	2,186	Acquired
April 3, 2017	750556	Phantom Stock [F3]	Common Stock (559)	·	·	559	Acquired
Jan. 3, 2017	750556	Phantom Stock [F3]	Common Stock (315)	·	·	315	Acquired
Dec. 16, 2016	750556	Phantom Stock [F3]	Common Stock (163)	·	·	163	Acquired
Oct. 11, 2016	750556	Phantom Stock [F3]	Common Stock (449)	·	·	449	Acquired
Sept. 15, 2016	CSX	Phantom Stock	Common Stock (69)	$26.39	·	69	Acquired
July 5, 2016	750556	Phantom Stock [F3]	Common Stock (785)	·	·	785	Acquired
May 17, 2016	750556	Phantom Stock [F3]	Common Stock (487)	·	·	487	Acquired
April 26, 2016	750556	Phantom Stock [F2]	Common Stock (2,828)	·	·	2,828	Acquired
April 4, 2016	750556	Phantom Stock [F1]	Common Stock (479)	·	·	479	Acquired
Jan. 5, 2016	750556	Phantom Stock [F1]	Common Stock (419)	·	·	419	Acquired
Dec. 21, 2015	750556	Phantom Stock [F1]	Common Stock (247)	·	·	247	Acquired
Oct. 1, 2015	750556	Phantom Stock [F1]	Common Stock (453)	·	·	453	Acquired
Sept. 30, 2015	750556	Phantom Stock [F1]	Common Stock (39)	·	·	39	Acquired
Sept. 15, 2015	CSX	Phantom Stock	Common Stock	·	·	68	Acquired
Aug. 18, 2015	750556	Phantom Stock [F1]	Common Stock (169)	·	·	169	Acquired
Aug. 18, 2015	750556	Phantom Stock [F1]	Common Stock (169)	·	·	169	Acquired
Aug. 12, 2015	750556	Phantom Stock [F1]	Common Stock (105)	·	·	105	Acquired
July 27, 2015	750556	Phantom Stock [F1]	Common Stock (34)	·	·	34	Acquired
July 2, 2015	750556	Phantom Stock [F1]	Common Stock (345)	·	·	345	Acquired
June 26, 2015	750556	Phantom Stock [F1]	Common Stock (34)	·	·	34	Acquired
June 15, 2015	CSX	Phantom Stock	Common Stock	·	·	57	Acquired
June 10, 2015	750556	Phantom Stock [F1]	Common Stock (136)	·	·	136	Acquired
April 29, 2015	750556	Phantom Stock [F1]	Common Stock (504)	·	·	504	Acquired
April 28, 2015	750556	Phantom Stock [F2]	Common Stock (2,916)	·	·	2,916	Acquired
April 14, 2015	750556	Phantom Stock [F1]	Common Stock (36)	·	·	36	Acquired
April 1, 2015	750556	Phantom Stock [F1]	Common Stock (367)	·	·	367	Acquired
March 25, 2015	750556	Phantom Stock [F1]	Common Stock (37)	·	·	37	Acquired
March 13, 2015	CSX	Phantom Stock	Common Stock	·	·	10,984	Acquired
Feb. 13, 2015	750556	Phantom Stock [F1]	Common Stock (36)	·	·	36	Acquired
Feb. 12, 2015	750556	Phantom Stock [F1]	Common Stock (108)	·	·	108	Acquired
Jan. 9, 2015	750556	Phantom Stock [F1]	Common Stock (39)	·	·	39	Acquired
Jan. 5, 2015	750556	Phantom Stock [F1]	Common Stock (410)	·	·	410	Acquired
Dec. 18, 2014	750556	Phantom Stock [F1]	Common Stock (72)	·	·	72	Acquired
Dec. 4, 2014	750556	Phantom Stock [F1]	Common Stock (37)	·	·	37	Acquired
Nov. 25, 2014	750556	Phantom Stock [F1]	Common Stock (38)	·	·	38	Acquired
Nov. 12, 2014	750556	Phantom Stock [F1]	Common Stock (113)	·	·	113	Acquired
Oct. 28, 2014	750556	Phantom Stock [F1]	Common Stock (39)	·	·	39	Acquired
Oct. 1, 2014	750556	Phantom Stock [F1]	Common Stock (399)	·	·	399	Acquired
Sept. 24, 2014	750556	Phantom Stock [F1]	Common Stock (39)	·	·	39	Acquired
July 28, 2014	750556	Phantom Stock [F1]	Common Stock (39)	·	·	39	Acquired
July 1, 2014	750556	Phantom Stock [F1]	Common Stock (374)	·	·	374	Acquired
June 27, 2014	750556	Phantom Stock [F1]	Common Stock (37)	·	·	37	Acquired
June 16, 2014	750556	Phantom Stock [F1]	Common Stock (38)	·	·	38	Acquired
June 10, 2014	750556	Phantom Stock [F1]	Common Stock (149)	·	·	149	Acquired
May 28, 2014	750556	Phantom Stock [F1]	Common Stock (39)	·	·	39	Acquired
May 27, 2014	750556	Phantom Stock [F1]	Common Stock (39)	·	·	39	Acquired
April 22, 2014	750556	Phantom Stock [F2]	Common Stock (3,061)	·	·	3,061	Acquired
April 22, 2014	750556	Phantom Stock [F1]	Common Stock (497)	·	·	497	Acquired
April 1, 2014	750556	Phantom Stock [F1]	Common Stock (372)	·	·	372	Acquired
March 24, 2014	750556	Phantom Stock [F1]	Common Stock (37)	·	·	37	Acquired
Feb. 14, 2014	750556	Phantom Stock [F1]	Common Stock (145)	·	·	145	Acquired
Feb. 4, 2014	750556	Phantom Stock [F1]	Common Stock (41)	·	·	41	Acquired
Jan. 9, 2014	750556	Phantom Stock [F1]	Common Stock (39)	·	·	39	Acquired
Jan. 2, 2014	750556	Phantom Stock [F1]	Common Stock (452)	·	·	452	Acquired
Dec. 17, 2013	750556	Phantom Stock [F1]	Common Stock (43)	·	·	43	Acquired
Dec. 5, 2013	750556	Phantom Stock [F1]	Common Stock (43)	·	·	43	Acquired
Nov. 13, 2013	750556	Phantom Stock [F1]	Common Stock (85)	·	·	85	Acquired
Oct. 23, 2013	750556	Phantom Stock [F2]	Common Stock (44)	·	·	44	Acquired
Oct. 1, 2013	750556	Phantom Stock [F1]	Common Stock (457)	·	·	457	Acquired
Aug. 13, 2013	750556	Phantom Stock [F1]	Common Stock (128,866)	·	·	129	Acquired
July 30, 2013	750556	Phantom Stock [F1]	Common Stock (43)	·	·	43	Acquired
July 1, 2013	750556	Phantom Stock [F1]	Common Stock (469)	·	·	469	Acquired
June 27, 2013	750556	Phantom Stock [F1]	Common Stock (47)	·	·	47	Acquired
April 23, 2013	750556	Phantom Stock [F2]	Common Stock (4,240)	·	·	4,240	Acquired
April 23, 2013	750556	Phantom Stock [F1]	Common Stock (106)	·	·	106	Acquired
April 1, 2013	750556	Phantom Stock [F1]	Common Stock (530)	·	·	530	Acquired
March 27, 2013	750556	Phantom Stock [F1]	Common Stock (53)	·	·	53	Acquired
Feb. 26, 2013	750556	Phantom Stock [F1]	Common Stock (55)	·	·	55	Acquired
Feb. 12, 2013	750556	Phantom Stock [F1]	Common Stock (153)	·	·	153	Acquired
Feb. 6, 2013	750556	Phantom Stock [F1]	Common Stock (52)	·	·	52	Acquired
Jan. 29, 2013	750556	Phantom Stock [F1]	Common Stock (52)	·	·	52	Acquired
Jan. 10, 2013	750556	Phantom Stock [F1]	Common Stock (105)	·	·	105	Acquired
Jan. 2, 2013	750556	Phantom Stock [F1]	Common Stock (564)	·	·	564	Acquired
Dec. 21, 2012	750556	Phantom Stock [F1]	Common Stock (159)	·	·	159	Acquired
Dec. 20, 2012	750556	Phantom Stock [F1]	Common Stock (159)	·	·	159	Acquired
Dec. 7, 2012	750556	Phantom Stock [F1]	Common Stock (55)	·	·	55	Acquired

Showing latest 100 of 150 transactions

Exercise/conversion price is blank when not applicable (e.g. RSUs).

Initial ownership (Form 3) 1 holding

Securities held when first becoming an insider, per SEC Form 3.

Date	Ticker	Security	Shares	Ownership
June 26, 2006	GPJA	Georgia Power Company preferred stock	0	Direct