HMLN (Hamlin Bank and Trust Co) 5-Year Share Buyback Ratio: 0.50% (As of Dec. 2025)

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HMLN Hamlin Bank and Trust Co HMLN
71 GF Score
Price $250.01
GF Value $280.11
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Hamlin Bank and Trust Co 5-Year Share Buyback Ratio?

Hamlin Bank and Trust Co HMLN 71 5-Year Share Buyback Ratio is 0.50 as of Dec. 2025. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $280.11 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,094 Banks companies, Hamlin Bank and Trust Co ranks better than 73.13% on this metric.

Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.

5-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past five years. It is calculated as the annualized percentage change in shares outstanding from five 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. Hamlin Bank and Trust Co's current 5-Year Share Buyback Ratio was 0.50%.

HMLN's 5-Year Share Buyback Ratio is ranked better than
73.13% of 1094 companies
in the Banks industry
Industry Median: -0.5 vs HMLN: 0.50

Hamlin Bank and Trust Co (OTCPK:HMLN) 5-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.


Hamlin Bank and Trust Co 5-Year Share Buyback Ratio Related Terms


HMLN vs IBTN, CZBT, KLIB: 5-Year Share Buyback Ratio Comparison

For the Banks - Regional subindustry, Hamlin Bank and Trust Co's 5-Year Share Buyback Ratio, along with its competitors' market caps and 5-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.


Hamlin Bank and Trust Co 5-Year Share Buyback Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's 5-Year Share Buyback Ratio distribution charts can be found below:

* The bar in red indicates where Hamlin Bank and Trust Co's 5-Year Share Buyback Ratio falls into.


HMLN
71GF Score
Hamlin Bank and Trust Co HMLN
5-Year Share Buyback Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Hamlin Bank and Trust Co 5-Year Share Buyback Ratio Calculation

This is the annualized percentage change in shares outstanding from five years ago to the current year. The annualized percentage change is calculated with least-square regression based on the latest six 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 5-Year Share Buyback Ratio of 0.50 mean?
Hamlin Bank and Trust Co (HMLN) has a 5-Year Share Buyback Ratio of 0.50 as of Dec. 2025. The 5-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past five years. It is calculated as the annualized percentage change in shares outstanding from five years ago to the current year. View historical data for Hamlin Bank and Trust Co and its competitors. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #294 out of 1094 companies in the Banks industry, placing it in the top 26.9%.
Is Hamlin Bank and Trust Co's 5-Year Share Buyback Ratio too high?
Hamlin Bank and Trust Co's current 5-Year Share Buyback Ratio is 0.50. Based on the distribution chart, Hamlin Bank and Trust Co ranks #294 out of 1094 companies in the Banks industry, which is above the industry midpoint. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's 5-Year Share Buyback Ratio compare to IBTN and CZBT?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #294 out of 1094 companies for 5-Year Share Buyback Ratio. This puts Hamlin Bank and Trust Co in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Share Buyback Ratio for a Banks company?
A good 5-Year Share Buyback Ratio depends on the Banks industry context. However, 5-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 5-Year Share Buyback Ratio mean?
A high 5-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 5-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past five years. It is calculated as the annualized percentage change in shares outstanding from five years ago to the current year. View historical data for Hamlin Bank and Trust Co and its competitors. Hamlin Bank and Trust Co's current 5-Year Share Buyback Ratio is 0.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $280.11, compared to a current price of $250.01 — trading 10.7% below its estimated fair value. The current 5-Year Share Buyback Ratio is 0.50. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Share Buyback Ratio calculated?
5-Year Share Buyback Ratio is calculated from a company's financial statements. For Hamlin Bank and Trust Co (HMLN), the current 5-Year Share Buyback Ratio is 0.50 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?

Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued. The current stock price of $250.01 is trading 10.7% below its estimated GF Value™ of $280.11. GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.

Key valuation signals for HMLN:

  • 5-Year Share Buyback Ratio: 0.50
  • GF Value™: $280.11 vs. price of $250.01 (10.7% below fair value)
  • GF Score™: 71/100 with 4 warning signs

No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Hamlin Bank and Trust Co Business Description

Address 333 West Main Street, PO Box 367, Smethport, PA, USA, 16749
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score

Get the complete analysis for HMLN

5-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$250.01
Price
$280.11
GF Value