CTO Stock Analysis: CTO Realty Growth | NYSE
REIT - Diversified | NYSE, USA | Market Cap: 781m USD | 12M Return: 27.8% | US22948Q1013 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.77M
Qual. Beats: 0
Rev. Trend: 99.5%
Qual. Beats: 3
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
CTO Realty Growth, Inc. (NYSE: CTO) is a publicly traded real estate investment trust (REIT) that owns and operates a portfolio of retail-based properties concentrated in higher-growth U.S. markets. In addition to its directly owned assets, the company externally manages and holds a meaningful ownership stake in Alpine Income Property Trust, Inc., a publicly traded net lease REIT. Headquartered in Winter Park, Florida, CTO was incorporated in 1902 and trades as a small-cap equity.
As a REIT, CTO is structured to benefit from the sectors standard tax treatment, which generally requires the distribution of at least 90% of taxable income to shareholders in exchange for pass-through taxation. Its exposure to retail real estate and a net lease strategy through Alpine Income Property Trust reflects two common approaches within the broader REIT landscape: directly operating retail properties and holding single-tenant net lease assets, where tenants typically assume responsibility for property-level expenses such as taxes, insurance, and maintenance.
- Fed rate cuts pressure cap rates and lift property valuations
- Alpine Income Property Trust stake drives fee income growth
- Sunbelt high-growth market exposure fuels same-store NOI growth
| Net Income: 44.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -6.35 > 1.0 |
| NWC/Revenue: -23.80% < 20% (prev 101.8%; Δ -125.6% < -1%) |
| CFO/TA 0.04 > 3% & CFO 66.0m > Net Income 44.5m |
| Net Debt (666.1m) to EBITDA (118.0m): 5.64 < 3 |
| Current Ratio: 0.34 > 1.5 & < 3 |
| Outstanding Shares: last quarter (37.6m) vs 12m ago 15.11% < -2% |
| Gross Margin: 4.56% > 18% (prev 74.48%; Δ -69.92% > 0.5%) |
| Asset Turnover: 12.53% > 50% (prev 12.02%; Δ 0.51% > 0%) |
| Interest Coverage Ratio: 1.78 > 6 (EBIT TTM 53.4m / Interest Expense TTM 30.1m) |
| A: -0.03 (Total Current Assets 21.1m - Total Current Liabilities 61.6m) / Total Assets 1.50b |
| B: 0.10 (Retained Earnings 153.7m / Total Assets 1.50b) |
| C: 0.04 (EBIT TTM 53.4m / Avg Total Assets 1.36b) |
| D: 0.84 (Book Value of Equity 681.3m / Total Liabilities 814.0m) |
| Altman-Z'' = 1.30 = BB |
| DSRI: 0.16 (Receivables 25.5m/134.7m, Revenue 170.3m/146.9m) |
| GMI: 16.32 (GM 74.48% / 4.56%) |
| AQI: 0.34 (AQ_t 0.29 / AQ_t-1 0.85) |
| SGI: 1.16 (Revenue 170.3m / 146.9m) |
| TATA: -0.01 (NI 44.5m - CFO 66.0m) / TA 1.50b) |
| Beneish M = 9.88 (Cap -4..+1) = D |
As of November 09, 2026, the stock is trading at USD 20.20 with a total of 462,704 shares traded. Over the past week, the price has changed by +2.49%, over one month by -1.61%, over three months by -5.66% and over the past year by +27.77%.
Current recommended Stop Loss: 19.50 (which is 3.5% or 1.4 ATR below the current price).
CTO Realty Growth has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy CTO.
- StrongBuy: 5
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 24 | 18.8% |
P/E Trailing = 18.0
P/E Forward = 212.766
P/S = 4.5896
P/B = 1.164
Revenue TTM = 170.3m USD
EBIT TTM = 53.4m USD
EBITDA TTM = 118.0m USD
Long Term Debt = 717.6m USD (from longTermDebt, last quarter)
Short Term Debt = 17.9m USD (from shortTermDebt, last fiscal year)
Debt = 717.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 169k
Net Debt = 666.1m USD (calculated: Debt 717.8m - CCE 51.7m)
Enterprise Value = 1.45b USD (781.4m + Debt 717.8m - CCE 51.7m)
Interest Coverage Ratio = 1.78 (Ebit TTM 53.4m / Interest Expense TTM 30.1m)
EV/FCF = 330.0x (Enterprise Value 1.45b / FCF TTM 4.39m)
FCF Yield = 0.30% (FCF TTM 4.39m / Enterprise Value 1.45b)
FCF Margin = 2.58% (FCF TTM 4.39m / Revenue TTM 170.3m)
Net Margin = 26.13% (Net Income TTM 44.5m / Revenue TTM 170.3m)
Gross Margin = 4.56% ((Revenue TTM 170.3m - Cost of Revenue TTM 162.5m) / Revenue TTM)
Gross Margin QoQ = 75.31% (prev 74.62%)
Tobins Q-Ratio = 0.97 (Enterprise Value 1.45b / Total Assets 1.50b)
Interest Expense / Debt = 4.19% (Interest Expense 30.1m / Debt 717.8m)
Taxrate = 1.58% (712k / 45.2m)
NOPAT = 52.6m (EBIT 53.4m * (1 - 1.58%))
Current Ratio = 0.34 (Total Current Assets 21.1m / Total Current Liabilities 61.6m)
Debt / Equity = 1.05 (Debt 717.8m / totalStockholderEquity, last quarter 681.3m)
Debt / EBITDA = 5.64 (Net Debt 666.1m / EBITDA 118.0m)
Debt / FCF = 151.9 (Net Debt 666.1m / FCF TTM 4.39m)
Total Stockholder Equity = 621.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.27% (Net Income 44.5m / Total Assets 1.50b)
RoE = 7.15% (Net Income TTM 44.5m / Total Stockholder Equity 621.8m)
RoCE = 3.99% (EBIT 53.4m / Capital Employed (Equity 621.8m + L.T.Debt 717.6m))
RoIC = 3.64% (NOPAT 52.6m / Invested Capital 1.44b)
WACC = 5.01% (E(781.4m)/V(1.50b) * Re(5.83%) + D(717.8m)/V(1.50b) * Rd(4.19%) * (1-Tc(0.02)))
Discount Rate = 5.83% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 88.42 | Cagr: 24.96%
[DCF] Terminal Value 73.10% ; FCFF base≈35.1m ; Y1≈30.8m ; Y5≈24.9m
[DCF] Fair Price = N/A (negative equity: EV 399.6m - Net Debt 666.1m = -266.5m; debt exceeds intrinsic value)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.08 | # QB: 0
Revenue Correlation: 99.48 | Revenue CAGR: 18.12% | SUE: 1.84 | # QB: 3
EPS current Quarter (2027-03-31): EPS=0.15 | Chg30d=+0.00% | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=0.40 | Chg30d=-43.26% | Revisions=-25% | GrowthEPS=+400.0% | GrowthRev=+20.6%
EPS next Year (2027-12-31): EPS=0.61 | Chg30d=-1.61% | Revisions=+0% | GrowthEPS=-35.1% | GrowthRev=+12.5%
[Analyst] Revisions Ratio: -25% (up=0, down=1)