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CTO Realty Growth, Inc.

CTO Real Estate Reit Diversified

CTO Realty Growth, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $149.5 million, up 20.1% from fiscal 2024.

Revenue
+24.3%
EPS
−559.3%
Free cash flow
−258.7%
Total debt
+18.8%

Quarter to September 2026, against a year earlier

20.15 0.01 −0.05%
Market cap
$781.4M
P/E
16.9×
Fwd P/E
45.8×
Dividend yield
7.55%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 6.17%

Capital & Financial Ratios $m

Size
Market Cap 781.40
Revenue ttm 170.26
Net income ttm 44.48
Free cash flow ttm (65.35)
Net debt Q 696.54
Valuation
P/E 16.88
Forward P/E 45.80 (above 35: high)
Price / sales 4.44
Forward P/S Powerpack
Price / FCF 0.00
Price / book 1.11
Financial health
Current ratio Q 6.06
Debt / equity Q 1.05
Interest coverage Q 1.46
Growth
Revenue growth Q +24.25% (above 0%: growing)
Operating income growth Q +15.39% (above 0%: growing)
EPS, this year +408.33% (at or above 15%: strong)
EPS, next year A +10.66%
Revenue, next year A +20.57% (at or above 10%: strong)
EPS, past 5 yrs −57.19% (below 0%: weak)
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 8.5×, against a ten-year median of 8.5×; over the ten years it ranged from 4.2× in 2017 to 35.4× in 2018.
P/E against its own 10 years 64.98%
10-year low 10-year high
P/S against its own 10 years 61.72%
10-year low 10-year high
P/B against its own 10 years 58.67%
10-year low 10-year high
EV/Sales against its own 10 years 49.69%
10-year low 10-year high

Dividends

Yield
7.55%
Annual rate
1.52
Payout ratio
127.5%
Growth, 2017–25
+53.6%/yr
  1. 0.05 ’17
  2. 0.13 ’18 +172
  3. 0.12 ’19 −10
  4. 4.51 ’20 +3654
  5. 1.33 ’21 −70
  6. 1.49 ’22 +12
  7. 1.52 ’23 +2
  8. 1.52 ’24 +0
  9. 1.52 ’25 +0
  10. 1.52 ’26e +0
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 18 17 41 21
Receivables — — — —
Inventory — — — —
Other — — — —
80 122 146 244
2023 2024 2025 Q'26
Payables 3 3 2 3
ST’ Debt — — — —
Other — — — —
21 25 30 40

Compound Annual Growth %

10y 5y 3y
Sales 13.27% 21.54% 22.02%
Cash Flow 9.88% 30.71% 4.82%
Earnings (11.08%) (49.49%) 0.00%
Book Value 14.99% 10.09% 3.97%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.56 Actual −0.19

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.50 0.82 Beat by 0.32
Q1 FY26 0.51 0.13 Miss by 0.38
Q2 FY26 0.54 0.38 Miss by 0.16
Q3 FY26 0.56 −0.19 Miss by 0.75
Q4 FY26 0.57 — Reports 18 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.13 0.38 (0.14) — —
’25 0.01 (0.77) 0.03 0.82 0.08
’24 0.20 (0.03) 0.17 (0.60) (0.35)
’23 (0.32) 0.03 0.07 0.25 0.03
’22 (0.06) 0.00 0.19 (0.21) (0.09)
’21 0.44 (0.63) 1.29 0.04 1.56
’20 (0.87) 0.90 (0.11) 5.53 5.56
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 41 44 47 — —
’25 36 38 38 38 150
’24 28 29 32 36 125
’23 25 26 28 30 109
’22 17 19 23 23 82
’21 15 14 17 25 70
’20 13 13 15 16 56
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 15 20 25 — —
’25 10 17 31 6 65
’24 12 13 21 14 60
’23 9 16 15 6 46
’22 11 11 12 22 56
’21 6 12 (6) 15 28
’20 4 6 2 5 17
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (71) 44 (50) — —
’25 (71) 17 31 11 (11)
’24 (42) 8 (100) (11) (145)
’23 2 (64) 23 67 28
’22 (6) 5 (38) (179) (217)
’21 (28) (33) 67 (104) (99)
’20 (134) 43 (13) 39 (65)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 66 39 44 45 56 70 82 109 125 150 170 +9.5% 180 203 180 +6.4%
Gross margin, % 69.26 78.43 79.93 84.19 73.02 68.08 72.23 72.34 73.32 74.64 75.06 +5.4 pt
EBT 29 (1) 21 22 (5) 27 0 6 (2) 11 45 (10.5%)
EBT margin, % 43.56 (1.92) 48.13 49.12 (8.85) 38.22 0.40 5.62 (1.85) 7.05 26.54 (36.5) pt
Net income 16 42 37 115 79 30 3 6 (2) 10 44 (5.1%)
Per share, $
Per share, $ Revenue 3.87 2.33 2.65 3.00 3.99 3.98 4.45 4.84 4.91 4.63 4.54 +2.0%
Earnings 0.95 2.51 2.25 7.68 5.56 1.56 (0.09) 0.03 (0.35) 0.08 1.19 (24.1%)
Cash flow 0.84 3.46 2.90 1.10 1.20 1.56 3.03 2.06 2.36 2.00 1.74 +10.2%
Capex (2.83) (5.69) (6.25) 3.80 (5.82) (7.18) (14.76) (0.83) (8.07) (2.35) (3.49) (2.0%)
Free cash flow (1.99) (2.23) (3.35) 4.89 (4.62) (5.62) (11.73) 1.23 (5.71) (0.35) (1.74) (17.5%)
Book value 8.70 11.08 12.84 19.06 24.86 24.35 27.27 20.31 24.16 17.58 18.15 +8.1%
Shares, m 17 17 16 15 14 18 19 23 25 32 34 +7.4%
Valuation, ×
Valuation, × P/E 14.96 6.90 6.33 2.07 2.57 17.93 0.00 435.50 0.00 204.56 16.88 69.1
P/S 3.71 7.47 5.38 5.45 3.52 5.15 4.15 3.60 4.01 3.97 4.44 4.6
P/B 1.65 1.57 1.11 0.86 0.57 0.84 0.68 0.86 0.82 1.05 1.11 1.0
EV/Sales 5.97 12.21 10.57 8.84 7.77 8.66 9.31 7.97 8.04 7.82 8.53 8.7
EV/FCF (9.29) (10.36) (7.25) 6.14 (5.94) (5.65) (3.40) 45.27 (6.53) (58.95) (19.66) (5.6)
Cash, $m
Cash, $m Operating cash flow 14 58 48 16 17 28 56 46 60 65 65 +18.3%
Capex (48) (95) (103) 57 (82) (127) (273) (19) (205) (76) (131) +5.2%
Free cash flow (34) (37) (55) 73 (65) (99) (217) 28 (145) (11) (65) (11.4%)
Balance, $m
Balance, $m Working capital 31 14 15 162 62 57 33 59 98 116 203 +15.6%
Net debt 149 183 226 152 240 247 424 478 502 575 697 +16.2%
Shareholders’ equity 148 184 212 285 351 430 505 458 613 567 681 +16.1%
Returns, %
Returns, % ROA 4.00 9.54 7.27 18.26 11.46 3.95 (0.19) 0.08 (0.81) 0.21 2.72 (3.8) pt
ROIC 8.00 1.32 4.48 4.88 1.30 2.15 0.72 1.77 0.99 1.86 2.90 (6.1) pt
ROE 11.26 25.10 18.77 46.25 24.68 7.07 (0.35) 0.16 (1.64) 0.44 5.97 (10.8) pt
People
People Employees 14 14 14 15 17 19 26 33 37 42 — +13.0%
Revenue/emp, $m 4.71 2.76 3.12 3.00 3.32 3.70 3.17 3.31 3.37 3.56 — (3.1%)
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

CTO Realty Growth, Inc. vs peers in Reit Diversified (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
AAT American Assets Trust, Inc. $1.3B 56.1× 62.5× +4.29% (above 0%: growing) +135.71% (above 0%: growing) −58.53% (below 0%: shrinking) 70.60% 25.77% Compare
JBGS JBG SMITH Properties $929.0M — (loss-making) — (loss-making) +2.29% (above 0%: growing) n/m +71.92% (above 0%: growing) 62.69% 2.98% Compare
ESRT Empire State Realty Trust, Inc. $917.6M 177× 110× +2.95% (above 0%: growing) n/m +42.29% (above 0%: growing) 74.97% (70.45%) Compare
CTO CTO Realty Growth, Inc. $781.4M 16.9× 45.8× +24.25% (above 0%: growing) n/m −258.74% (below 0%: shrinking) 75.31% 24.66%
SAFE Safehold Inc. $752.8M 6.4× 7.0× +23.42% (above 0%: growing) +7.90% (above 0%: growing) −93.40% (below 0%: shrinking) 86.92% 71.85% Compare
AHRT AH Realty Trust Inc $621.2M — (loss-making) — (loss-making) −45.54% (below 0%: shrinking) n/m +105.02% (above 0%: growing) 67.15% 22.41% Compare
FVR FrontView REIT, Inc. $568.2M — (loss-making) 12,360× +10.86% (above 0%: growing) −57.89% (below 0%: shrinking) +23.47% (above 0%: growing) 0.00% 0.00% Compare
GOOD Gladstone Commercial Corporation $511.5M 52.5× 45.7× +3.86% (above 0%: growing) n/m +123.61% (above 0%: growing) 78.29% 22.41% Compare
OLP One Liberty Properties, Inc. $455.9M 19.0× 18.4× +11.91% (above 0%: growing) −91.67% (below 0%: shrinking) +134.96% (above 0%: growing) 0.00% 30.66% Compare
Median of peers $687.0M 52.5× 54.1× +4.08% −24.99% +57.11% 68.88% 22.41%

All 16 Reit Diversified stocks →

Pay and ownership Proxy statement filed 28 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 3.91m 3.97m 196.00
2024 3.05m 4.18m 193.00
2023 2.62m 2.36m 156.00
2022 2.42m 2.35m 151.00
2021 2.36m 4.54m 157.00

Ownership

Directors and executive officers, together 4.50%
Vanguard Group, The 9.30%
BlackRock, Inc. 7.50%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

CTO Realty Growth, Inc. (CTO) Latest News

28 Oct

Impact 4 · · The Motley Fool transcript
Impact 4 · · MarketBeat
Impact 4 · · Moby transcript
Impact 3 · · Associated Press

27 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

6 Oct

Impact 4 · · GlobeNewswire

30 Sep

Impact 4 · · GlobeNewswire

21 Sep

Impact 3 ·

14 Sep

Impact 3 ·

5 Aug

Impact 4 ·

29 Jul

Impact 3 · · MarketBeat transcript
Impact 3 ·

28 Jul

Impact 3 ·

1 Jun

Impact 3 · · GlobeNewswire

30 Apr

Impact 3 · · MarketBeat

29 Apr

Impact 4 · · Moby

28 Apr

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire

2 Mar

Impact 4 ·

20 Feb

Impact 4 · · GuruFocus.com
Impact 4 · · MarketBeat
Impact 4 · · Moby

19 Feb

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire
Impact 3 · · Associated Press Finance

28 Jan

Impact 4 · · Insider Monkey

6 Jan

Impact 3 · · GlobeNewswire

22 Dec

Impact 4 · · GlobeNewswireMT NewswiresZacksZacksMT NewswiresZacks

19 Dec

Impact 4 · · GlobeNewswireBarchart
stockrow.com/CTO · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com