SBCF Stock Analysis: Buy, Sell, or Hold?
SBCF - Seacoast Banking Corp of Florida
$31.70
0.53 (1.70%)
▲
5d:
+1.86%
30d:
+3.93%
90d:
+5.63%
BUY
HIGH Confidence
Analysis Updated: Jun 23, 2026 12:00 AM ET
Earnings: Jul 23, 2026
28d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: SBCF shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: SBCF shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$43.47
Based on 6.1% avg growth
INTRINSIC VALUE TODAY
$26.99
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 11.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SBCF is currently trading at $31.70, which is considered fair relative to its 30-day fair value range of $29.88 to $30.99. The stock's valuation (Forward PE: 11.7) is in line with its historical norms (11.9). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, SBCF is in a strong downtrend. The price is approaching resistance at $31.32. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SBCF has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SBCF is in a strong downtrend. The price is approaching resistance at $31.32. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SBCF has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$29.88 -
$30.99
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
78.6%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($34.58)
Trading Range Analysis
30-Day Trading Range
$29.88 -
$30.99
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$29.29
Resistance Level
$31.32
Current Trend
Strong Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.66
Wall Street Target
$34.58
(+9.1%)
Revenue Growth (YoY)
24.1%
Earnings Growth (YoY)
-21.0%
Profit Margin
23.1%
Valuation Discount vs History
-0.5% cheaper
PE vs Historical
11.7 vs 11.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.5%
(market-implied from PE analysis)
1-Year Target
$31.54
(-1%)
2-Year Target
$31.38
(-1%)
3-Year Target
$31.23
(-2%)
3-Yr Target (if PE normalizes)
(PE: 12→12)
$31.86
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 8.2%)
$74.91
(+136%)
Base:
(SPY PE: 11.7, Growth: 8.2%)
$40.11
(+27%)
Bear:
(PE: 9.9, Growth: 8.2%)
$34.09
(+8%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 20.92 | Current EPS (TTM): $1.49
Bull Case
$62.55
(+97%)
Analyst growth 82.4%, PE expands to 23.0
Base Case
$56.87
(+79%)
Market implied 82.4%, PE stable at 20.9
Bear Case
$21.20
(-33%)
Severe decline -20.0%, PE contracts to 17.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 11.7 to 11.9
Stabilization Target:
$32.35
(+2.0%)
PE Expansion Potential:
+2.0%
Share & Embed Analysis
Last updated: June 24, 2026 1:07 AM ET
Data refreshes hourly during market hours. Next update: 2:07 AM
Data refreshes hourly during market hours. Next update: 2:07 AM
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Technical Signals Check
Is SBCF showing a specific setup today?
Insider Activity (6 Months)
1
Buys
5
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
Joseph B Shearouse III
BUY
4000 shares
2026-02-12
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