SBCF Stock Analysis: Buy, Sell, or Hold?
SBCF - Seacoast Banking Corp of Florida
$34.62
-0.12 (-0.35%)
âŧ
5d:
-4.18%
30d:
+4.75%
90d:
+13.51%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 26, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: SBCF is fairly priced but lacks strong directional signals. At 2.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: SBCF is fairly priced but lacks strong directional signals. At 2.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$46.07
Based on 6.8% avg growth
INTRINSIC VALUE TODAY
$28.61
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 12.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SBCF is currently trading at $34.62, which is considered slightly high relative to its 30-day fair value range of $33.44 to $35.38. The stock's valuation (Forward PE: 12.8) is in line with its historical norms (12.0). At these levels, the market is pricing in 2.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, SBCF is in a strong uptrend. The price is currently testing key support at $34.34. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 40/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, SBCF is in a strong uptrend. The price is currently testing key support at $34.34. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 40/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$33.44 -
$35.38
Company Quality Score
46/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($37.04)
- NEUTRAL: Market pricing in 2.4% annual earnings growth - fairly valued
- WARNING: Composite score 46/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$33.44 -
$35.38
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$34.34
Resistance Level
$36.27
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.82
Wall Street Target
$37.04
(+4.2%)
Revenue Growth (YoY)
38.3%
Earnings Growth (YoY)
9.7%
Profit Margin
23.8%
Valuation Premium vs History
+2.4% premium
PE vs Historical
12.8 vs 12.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.4%
(market-implied from PE analysis)
1-Year Target
$36.39
(+2%)
2-Year Target
$37.27
(+5%)
3-Year Target
$38.16
(+7%)
3-Yr Target (if PE normalizes)
(PE: 13â12)
PE COMPRESSION
$35.72
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 9.5%)
$73.17
(+106%)
Base:
(SPY PE: 12.8, Growth: 9.5%)
$46.65
(+31%)
Bear:
(PE: 10.9, Growth: 9.5%)
$39.65
(+12%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (23x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 23.40 | Current EPS (TTM): $1.53
Bull Case
$71.35
(+106%)
Analyst growth 81.2%, PE expands to 25.7
Base Case
$64.86
(+87%)
Market implied 81.2%, PE stable at 23.4
Bear Case
$24.34
(-30%)
Severe decline -20.0%, PE contracts to 19.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 8:21 PM ET
Data refreshes hourly during market hours. Next update: 9:21 PM
Data refreshes hourly during market hours. Next update: 9:21 PM
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Technical Signals Check
Is SBCF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Dennis S Hudson III
SELL
8000 shares
2026-03-04
Joseph M Forlenza
SELL
12635 shares
2026-02-26
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