SBCF Should I Buy
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0.000(0.000%)
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Not a good buy right now. SBCF is near fair value with the latest Wall Street target essentially matching the current price (~$33.54 vs $33.50 PT), momentum has turned slightly negative (weakening MACD) despite longer-term bullish moving averages, and insider selling is surging. With no proprietary buy signals and no near-term catalysts/news, the upside looks modest and not compelling for an impatient buyer.
Price is $33.54 (-1.49%) and sitting below the pivot (34.03), leaning slightly bearish short-term. Trend structure remains constructive longer-term with bullish moving averages (SMA_5 > SMA_20 > SMA_200), but momentum is fading: MACD histogram is negative (-0.0129) and negatively expanding. RSI(6) at 48.86 is neutral, implying no strong oversold bounce signal. Key levels: support S1 ~33.02 then S2 ~32.40; resistance R1 ~35.04. Near-term pattern stats suggest only modest upside (about +1.75% next day, +2.25% next week, +2.94% next month probabilities/expectations), which is not strong enough to justify chasing.
Hedge funds are reportedly buying aggressively (buying amount up ~562.61% QoQ), which can be supportive. Fundamentals in the latest quarter are improving (strong YoY growth in revenue, net income, and EPS). Technicals are still positive on a longer timeframe given the bullish moving average stack. Analyst commentary notes strong loan/deposit growth and a stronger commercial pipeline, supporting continued high-single-digit growth potential.
Insiders are selling heavily (selling amount up ~16481.81% over the last month), which is a notable near-term sentiment overhang. Momentum is weakening (negative, expanding MACD histogram) and price is below the pivot level, indicating short-term pressure. No news/events in the past week reduces the chance of an event-driven upside catalyst. Options volume is absent, limiting confidence in bullish positioning despite favorable OI ratios.
2025/Q3 results show clear YoY growth: revenue $149.272M (+23.41% YoY), net income $36.467M (+18.97% YoY), EPS $0.42 (+16.67% YoY). Overall trend indicates improving profitability and earnings power versus last year, supportive for the medium-term story.
Recent trend: Piper Sandler (2025-11-03) raised the price target to $33.50 from $28 but maintained a Neutral rating. That reflects improved outlook (operations ‘hitting on all cylinders’), yet Wall Street’s pro view is that fundamentals are better; the con view is that upside is largely priced in at today’s level (current price ~$33.54 essentially at the raised target). Politicians/congress: no recent congress trading data available in the last 90 days.
