SBCF Stock Analysis: Buy, Sell, or Hold?
SBCF - Seacoast Banking Corp of Florida
$33.98
0.12 (0.35%)
▲
5d:
-1.16%
30d:
-4.47%
90d:
+8.49%
HOLD
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 26, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: SBCF is fairly valued with market pricing in 0.8% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: SBCF is fairly valued with market pricing in 0.8% annual growth. Fine to hold or accumulate slowly 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 $33.98, which is considered slightly low relative to its 30-day fair value range of $33.96 to $35.38. The stock's valuation (Forward PE: 12.3) is in line with its historical norms (12.0). At these levels, the market is pricing in 0.8% 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 approaching resistance at $34.86. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 47/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, SBCF is in a strong uptrend. The price is approaching resistance at $34.86. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 47/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$33.96 -
$35.38
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
75.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (47/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($37.04)
- NEUTRAL: Market pricing in 0.8% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (47/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$33.96 -
$35.38
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$32.82
Resistance Level
$34.86
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.26
Wall Street Target
$37.04
(+9.0%)
Revenue Growth (YoY)
38.3%
Earnings Growth (YoY)
9.7%
Profit Margin
23.8%
Valuation Premium vs History
+0.8% premium
PE vs Historical
12.3 vs 12.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.8%
(market-implied from PE analysis)
1-Year Target
$34.25
(+1%)
2-Year Target
$34.53
(+2%)
3-Year Target
$34.80
(+2%)
3-Yr Target (if PE normalizes)
(PE: 12→12)
PE COMPRESSION
$34.07
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 9.5%)
$73.39
(+116%)
Base:
(SPY PE: 12.3, Growth: 9.5%)
$44.60
(+31%)
Bear:
(PE: 10.4, Growth: 9.5%)
$37.91
(+12%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (22x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 21.99 | Current EPS (TTM): $1.54
Bull Case
$67.04
(+97%)
Analyst growth 80.0%, PE expands to 24.2
Base Case
$60.95
(+79%)
Market implied 80.0%, PE stable at 22.0
Bear Case
$23.02
(-32%)
Severe decline -20.0%, PE contracts to 18.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 10:17 PM ET
Data refreshes hourly during market hours. Next update: 11:17 PM
Data refreshes hourly during market hours. Next update: 11:17 PM
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Technical Signals Check
Is SBCF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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