SBCF Stock Analysis: Buy, Sell, or Hold?
SBCF - Seacoast Banking Corp of Florida
$29.80
-0.52 (-1.72%)
▼
5d:
-4.15%
30d:
-7.34%
90d:
-10.32%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Apr 28, 2026
0d
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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 oversold pricing.
✅ BUY SIGNAL: SBCF shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$43.84
Based on 6.1% avg growth
INTRINSIC VALUE TODAY
$27.22
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 $29.80, which is considered oversold relative to its 30-day fair value range of $30.68 to $32.30. The stock's valuation (Forward PE: 11.0) is in line with its historical norms (12.0). Remarkably, the market is currently pricing in an annual earnings decline of 3.0% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, SBCF is in a downtrend. The price is currently testing key support at $29.68. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $34.58 (+16.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SBCF is in a downtrend. The price is currently testing key support at $29.68. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $34.58 (+16.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$30.68 -
$32.30
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($34.58)
Trading Range Analysis
30-Day Trading Range
$30.68 -
$32.30
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$29.68
Resistance Level
$31.75
Current Trend
Downtrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.96
Wall Street Target
$34.58
(+16.1%)
Revenue Growth (YoY)
24.1%
Earnings Growth (YoY)
-21.0%
Profit Margin
23.1%
Valuation Discount vs History
-3.0% cheaper
PE vs Historical
11.0 vs 12.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.0%
(market-implied from PE analysis)
1-Year Target
$28.91
(-3%)
2-Year Target
$28.04
(-6%)
3-Year Target
$27.20
(-9%)
3-Yr Target (if PE normalizes)
(PE: 11→12)
$29.77
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 8.2%)
$75.90
(+155%)
Base:
(SPY PE: 11.0, Growth: 8.2%)
$37.70
(+27%)
Bear:
(PE: 9.3, Growth: 8.2%)
$32.05
(+8%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 20.35 | Current EPS (TTM): $1.49
Bull Case
$60.85
(+104%)
Analyst growth 82.4%, PE expands to 22.4
Base Case
$55.31
(+86%)
Market implied 82.4%, PE stable at 20.4
Bear Case
$20.62
(-31%)
Severe decline -20.0%, PE contracts to 17.3
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 11.0 to 12.0
Stabilization Target:
$32.62
(+9.5%)
PE Expansion Potential:
+9.5%
Share & Embed Analysis
Last updated: May 15, 2026 10:26 PM ET
Data refreshes hourly during market hours. Next update: 11:26 PM
Data refreshes hourly during market hours. Next update: 11:26 PM
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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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