SBCF Stock Analysis: Buy, Sell, or Hold?
SBCF - Seacoast Banking Corp of Florida
$33.44
-0.68 (-1.99%)
▼
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Jan 29, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: SBCF shows positive signals but monitor for confirmation. Market pricing in 2.0% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: SBCF shows positive signals but monitor for confirmation. Market pricing in 2.0% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$62.65
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$38.90
14.0% Margin of Safety
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 12.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SBCF is currently trading at $33.44, which is considered slightly high relative to its 30-day fair value range of $32.02 to $33.81. The stock's valuation (Forward PE: 13.6) is in line with its historical norms (12.8). At these levels, the market is pricing in 2.0% 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 uptrend. The price is currently testing key support at $32.82. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SBCF has a strong technical setup (75/100), 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 uptrend. The price is currently testing key support at $32.82. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SBCF has a strong technical setup (75/100), 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
SLIGHTLY HIGH
Fair Price Range
$32.02 -
$33.81
Company Quality Score
62/100
(BUY)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
71.9%
All Signals
- NEUTRAL: Options fairly priced (IV 50th percentile)
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($34.08)
- NEUTRAL: Market pricing in 2.0% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$32.02 -
$33.81
Current vs Fair Value
SLIGHTLY HIGH
Expected Move (7 Days)
±$2.02
(6.0%)
Support & Resistance Levels
Support Level
$32.82
Resistance Level
$35.46
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
13.58
Wall Street Target
$34.08
(-0.1%)
Revenue Growth (YoY)
20.0%
Earnings Growth (YoY)
16.7%
Profit Margin
26.0%
Valuation Premium vs History
+2.0% premium
PE vs Historical
13.6 vs 12.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.0%
(market-implied from PE analysis)
1-Year Target
$34.80
(+2%)
2-Year Target
$35.50
(+4%)
3-Year Target
$36.21
(+6%)
3-Yr Target (if PE normalizes)
(PE: 14→13)
PE COMPRESSION
$34.14
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 33.6%)
$133.55
(+291%)
Base:
(SPY PE: 13.6, Growth: 33.6%)
$81.30
(+138%)
Bear:
(PE: 11.5, Growth: 33.6%)
$69.11
(+103%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (14x PE) as earnings recover.
Trailing PE: 20.02 | Current EPS (TTM): $1.68
Bull Case
$55.36
(+62%)
Analyst growth 49.6%, PE expands to 22.0
Base Case
$50.33
(+48%)
Market implied 49.6%, PE stable at 20.0
Bear Case
$22.88
(-33%)
Severe decline -20.0%, PE contracts to 17.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 30, 2026 5:37 PM ET
Data refreshes hourly during market hours. Next update: 6:37 PM
Data refreshes hourly during market hours. Next update: 6:37 PM
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Technical Signals Check
Is SBCF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Thomas E Rossin
SELL
72 shares
2025-08-21
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Advanced SBCF Option Strategies
Professional options setups generated by AI based on today's SBCF price and gamma walls.