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Waterstone FinancialWSBF +0.47%55 3-Year Share Buyback Ratio is 6.10 as of Jun. 2026, which is 144% above its 10-year median of 2.50. GuruFocus rates WSBF with a GF Score™ of 55/100 and a GF Value™ of $17.48 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,036 Banks companies, Waterstone Financial ranks better than 98.07% 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. Waterstone Financial's current 3-Year Share Buyback Ratio was 6.10%.
The historical rank and industry rank for Waterstone Financial's 3-Year Share Buyback Ratio or its related term are showing as below:
WSBF'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -0.1 Med: 2.5 Max: 7.9
Current: 6.1
During the past 13 years, Waterstone Financial's highest 3-Year Share Buyback Ratio was 7.90%. The lowest was -0.10%. And the median was 2.50%.
WSBF's 3-Year Share Buyback Ratio is ranked better than 98.07% of 1036
companies
in the Banks industry
Industry Median: -0.2
vs WSBF: 6.10
Waterstone Financial (NAS:WSBF) 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.
Waterstone Financial 3-Year Share Buyback Ratio Related Terms
WSBF vs NWFL, PCB, CZFS: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Waterstone Financial'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.
Waterstone Financial 3-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's 3-Year Share Buyback Ratio falls into.
Waterstone Financial 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 6.10 mean?
Waterstone Financial (WSBF) has a 3-Year Share Buyback Ratio of 6.10 as of Jun. 2026. 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 Waterstone Financial and its competitors. This is 144% above median its historical median of 2.50. According to the industry distribution chart, Waterstone Financial ranks #20 out of 1036 companies in the Banks industry, placing it in the top 1.9%.
Is Waterstone Financial's 3-Year Share Buyback Ratio too high?
Waterstone Financial's current 3-Year Share Buyback Ratio of 6.10 is 144% above median its 10-year median of 2.50. Based on the distribution chart, Waterstone Financial ranks #20 out of 1036 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Waterstone Financial has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Waterstone Financial's 3-Year Share Buyback Ratio compare to NWFL and PCB?
According to the Banks industry distribution chart, Waterstone Financial ranks #20 out of 1036 companies for 3-Year Share Buyback Ratio. This places Waterstone Financial in the top 2% of its industry — outperforming the majority of peers. 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 Waterstone Financial and its competitors. Waterstone Financial's current 3-Year Share Buyback Ratio is 6.10, which is 144% above median its own 10-year median of 2.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Waterstone Financial stock overvalued right now?
Based on GuruFocus' analysis, Waterstone Financial (WSBF) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.48, compared to a current price of $21.32 — trading 22% above its estimated fair value. The current 3-Year Share Buyback Ratio is 6.10, which is 144% above median its 10-year median of 2.50. Waterstone Financial's overall GF Score™ is 55/100 with 7 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 Waterstone Financial (WSBF), the current 3-Year Share Buyback Ratio is 6.10 as of Jun. 2026. 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 Waterstone Financial (WSBF) Overvalued in 2026?
Based on GuruFocus' analysis, Waterstone Financial stock appears to be overvalued.
The current stock price of $21.32 is trading 22% above its estimated GF Value™ of $17.48.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for WSBF:
3-Year Share Buyback Ratio: 6.10 (144% above median its 10-year median of 2.50)
GF Value™: $17.48 vs. price of $21.32 (22% above fair value)
No single metric tells the full story. See the WSBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Waterstone Financial Inc is a holding company. Through its subsidiaries, it operates in two reportable segments: Community Banking and Mortgage Banking. The Community Banking segment provides consumer and business banking products and services to customers, which include various types of loans, deposits, and personal investment services. The Mortgage Banking segment involves residential mortgage loans for the primary purpose of sale in the secondary market. The majority of its revenue comes from the Community Banking segment.
55GF Score
Get the complete analysis for WSBF
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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