Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Woodsboro Bk MDWOBK 57 3-Year Share Buyback Ratio is 0.30 as of Dec. 2025, which is 50% below its 10-year median of 0.60. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $66.27 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,032 Banks companies, Woodsboro Bk MD ranks better than 65.7% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Woodsboro Bk MD's current 3-Year Share Buyback Ratio was 0.30%.
The historical rank and industry rank for Woodsboro Bk MD's 3-Year Share Buyback Ratio or its related term are showing as below:
WOBK'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: 0.3 Med: 0.6 Max: 0.7
Current: 0.3
During the past 7 years, Woodsboro Bk MD's highest 3-Year Share Buyback Ratio was 0.70%. The lowest was 0.30%. And the median was 0.60%.
WOBK's 3-Year Share Buyback Ratio is ranked better than 65.7% of 1032
companies
in the Banks industry
Industry Median: -0.2
vs WOBK: 0.30
Woodsboro Bk MD (OTCPK:WOBK) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Woodsboro Bk MD 3-Year Share Buyback Ratio Related Terms
WOBK vs GBNY, JFWV, RBNK: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Woodsboro Bk MD's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Woodsboro Bk MD 3-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Woodsboro Bk MD's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Woodsboro Bk MD's 3-Year Share Buyback Ratio falls into.
Woodsboro Bk MD 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 0.30 mean?
Woodsboro Bk MD (WOBK) has a 3-Year Share Buyback Ratio of 0.30 as of Dec. 2025. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Woodsboro Bk MD and its competitors. This is 50% below median its historical median of 0.60. Over the past decade, Woodsboro Bk MD's 3-Year Share Buyback Ratio has ranged from 0.30 to 0.70. According to the industry distribution chart, Woodsboro Bk MD ranks #354 out of 1032 companies in the Banks industry, placing it in the top 34.3%.
Is Woodsboro Bk MD's 3-Year Share Buyback Ratio too high?
Woodsboro Bk MD's current 3-Year Share Buyback Ratio of 0.30 is 50% below median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 0.70. Based on the distribution chart, Woodsboro Bk MD ranks #354 out of 1032 companies in the Banks industry, which is above the industry midpoint. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's 3-Year Share Buyback Ratio compare to GBNY and JFWV?
According to the Banks industry distribution chart, Woodsboro Bk MD ranks #354 out of 1032 companies for 3-Year Share Buyback Ratio. This puts Woodsboro Bk MD in the upper half of its industry. Historically, Woodsboro Bk MD's own 3-Year Share Buyback Ratio has ranged from 0.30 to 0.70 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Woodsboro Bk MD and its competitors. Woodsboro Bk MD's current 3-Year Share Buyback Ratio is 0.30, which is 50% below median its own 10-year median of 0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $66.27, compared to a current price of $87.00 — trading 31.3% above its estimated fair value. The current 3-Year Share Buyback Ratio is 0.30, which is 50% below median its 10-year median of 0.60. Woodsboro Bk MD's overall GF Score™ is 57/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Woodsboro Bk MD (WOBK), the current 3-Year Share Buyback Ratio is 0.30 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Woodsboro Bk MD (WOBK) Overvalued in 2026?
Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued.
The current stock price of $87.00 is trading 31.3% above its estimated GF Value™ of $66.27.
GuruFocus considers Woodsboro Bk MD to be Significantly Overvalued.
Key valuation signals for WOBK:
3-Year Share Buyback Ratio: 0.30 (50% below median its 10-year median of 0.60)
GF Value™: $66.27 vs. price of $87.00 (31.3% above fair value)
No single metric tells the full story. See the WOBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF Score
Get the complete analysis for WOBK
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WOBK has been successfully added to your 
