Here's some terse code that does the job using regex:
String last3 = str.replaceAll(".*?(.?.?.?)?$", "$1");
This code returns up to 3; if there are less than 3 it just returns the string.
This is how to do it safely without regex in one line:
String last3 = str == null || str.length() < 3 ?
str : str.substring(str.length() - 3);
By "safely", I mean without throwing an exception if the string is nulls or shorter than 3 characters (all the other answers are not "safe").
The above code is identical in effect to this code, if you prefer a more verbose, but potentially easier-to-read form:
String last3;
if (str == null || str.length() < 3) {
last3 = str;
} else {
last3 = str.substring(str.length() - 3);
}