Terry B. Osborne is Director at CITIZENS FINANCIAL SERVICES INC (CZFS). They have made 24 open-market trades across 2 companies since 2006, most recently 2026-09-15.
CIK 0001215841
Unrated. We grade insiders only on stock they chose to buy on the open market. Grants, option exercises and vesting say nothing about timing, so they don't count — which is why someone can file often and still have no grade. It isn't a bad sign: unrated buys beat every graded tier below A.
24 open-market purchases totalling $12K since 2006, never a sale. Across 21 scored buys the stock is up 0.3% at ninety days, and 0.0 points ahead of the S&P over the same stretch.
21 scored purchases · one row per filing · discretionary only
| 7d | 30d | 90d | |
|---|---|---|---|
| Accuracy | 0% | 100% | 100% |
| Avg Move | -1.2% | +0.3% | +0.3% |
| Alpha | -87.7% | +0.0% | +0.0% |
| Scored | 21 | 21 | 21 |
| Ticker | Type | Traded | Filed | Price | Value | 7d Stock | 30d Stock | 90d Stock |
|---|---|---|---|---|---|---|---|---|
| CZFS | BUY | 2012-05-11 | 2012-05-14 | $36.68 | $550 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2011-12-07 | 2011-12-09 | $37.49 | $300 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2011-09-26 | 2011-09-26 | $35.00 | $700 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2011-03-04 | 2011-03-07 | $38.88 | $350 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2010-11-27 | 2010-11-30 | $35.73 | $250 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2010-09-09 | 2010-09-10 | $30.01 | $450 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2010-07-30 | 2010-07-30 | $27.01 | $1K | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2010-06-21 | 2010-06-22 | $29.41 | $500 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2009-12-16 | 2009-12-16 | $25.00 | $350 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2009-09-14 | 2009-09-14 | $23.53 | $400 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2009-07-31 | 2009-07-31 | $21.54 | $883 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2009-06-17 | 2009-06-18 | $23.33 | $700 | -1.2% | +0.3% | +0.3% |
| CZFS.OB | BUY | 2008-11-21 | 2008-11-24 | $19.05 | $400 | N/A | N/A | N/A |
| CZFS.OB | BUY | 2008-08-13 | 2008-08-15 | $24.99 | $200 | N/A | N/A | N/A |
| CZFS.OB | BUY | 2008-07-25 | 2008-07-25 | $23.40 | $702 | N/A | N/A | N/A |
| CZFS | BUY | 2008-05-22 | 2008-05-23 | $23.21 | $650 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2007-12-14 | 2007-12-17 | $24.98 | $100 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2007-10-30 | 2007-10-31 | $20.84 | $500 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2007-07-27 | 2007-07-27 | $22.14 | $421 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2007-07-11 | 2007-07-12 | $22.41 | $650 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2006-12-13 | 2006-12-15 | $21.74 | $500 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2006-08-22 | 2006-08-22 | $25.00 | $300 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2006-07-28 | 2006-07-28 | $22.33 | $290 | -1.2% | +0.3% | +0.3% |
| CZFS | BUY | 2006-05-18 | 2006-05-18 | $23.91 | $550 | -1.2% | +0.3% | +0.3% |
Grouped by shared companies and similar filing behaviour. This is a similarity measure, not a ranking or a performance signal.