Overview Dividends

(CTO) CTO Realty Growth - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US22948Q1013

Retail Properties, Net Lease, Alpine Interest

CTO EPS (Earnings per Share)

EPS Growth (3Y CAGR): 23.32%
EPS Trend (3Y Correlation): 11.5%

CTO Revenue

Revenue Growth (3Y CAGR): 19.39%
Revenue Trend (3Y Correlation): 96.9%

Description: CTO CTO Realty Growth October 24, 2025

CTO Realty Growth, Inc. (NYSE: CTO) is a publicly traded REIT that owns and operates a portfolio of high-quality, retail-focused properties concentrated in higher-growth U.S. markets. In addition to its core retail assets, CTO externally manages and holds a significant stake in Alpine Income Property Trust (NYSE: PINE), a net-lease REIT.

Key operating metrics as of FY 2023 show an occupancy rate of roughly 96 % and a funds-from-operations (FFO) of $0.70 per share, reflecting a 4 % year-over-year net rent growth. The company maintains a moderate leverage profile with a net debt-to-FFO ratio near 5.5×, while its portfolio’s geographic focus aligns with regions experiencing above-average population and income growth-critical drivers for retail foot traffic. Macro-level, retail REIT performance remains tightly linked to consumer spending trends, inflation-adjusted disposable income, and the trajectory of interest rates, which influence both tenant demand and financing costs.

For a deeper quantitative view, the ValueRay platform offers granular, real-time metrics on CTO’s cash-flow trends and peer comparisons.

CTO Stock Overview

Market Cap in USD	518m
Sub-Industry	Multi-Family Residential REITs
IPO / Inception	1992-09-08

CTO Stock Ratings

Growth Rating	-10.4%
Fundamental	68.2%
Dividend Rating	88.9%
Return 12m vs S&P 500	-23.0%
Analyst Rating	5.0 of 5

CTO Dividends

Dividend Yield 12m	9.31%
Yield on Cost 5y	19.84%
Annual Growth 5y	13.68%
Payout Consistency	91.3%
Payout Ratio	249.2%

CTO Growth Ratios

Growth Correlation 3m	-40.9%
Growth Correlation 12m	-85.8%
Growth Correlation 5y	77.5%
CAGR 5y	1.64%
CAGR/Max DD 3y (Calmar Ratio)	0.07
CAGR/Mean DD 3y (Pain Ratio)	0.16
Sharpe Ratio 12m	0.99
Alpha	-19.97
Beta	0.553
Volatility	23.90%
Current Volume	230.7k
Average Volume 20d	301.6k
Stop Loss	15.8 (-3.2%)
Signal	0.27

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (-32.0m TTM) > 0 and > 6% of Revenue (6% = 8.46m TTM)

FCFTA 0.06 (>2.0%) and ΔFCFTA 9.65pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 20.25% (prev 34.09%; Δ -13.85pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.06 (>3.0%) and CFO 76.9m > Net Income -32.0m (YES >=105%, WARN >=100%)

Net Debt (-8.55m) to EBITDA (19.2m) ratio: -0.45 <= 3.0 (WARN <= 3.5)

Current Ratio 2.94 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (32.7m) change vs 12m ago 43.62% (target <= -2.0% for YES)

Gross Margin 74.20% (prev 53.32%; Δ 20.88pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 12.57% (prev 11.42%; Δ 1.15pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.27 (EBITDA TTM 19.2m / Interest Expense TTM 23.2m) >= 6 (WARN >= 3)

Altman Z'' 0.96

(A) 0.02 = (Total Current Assets 43.3m - Total Current Liabilities 14.8m) / Total Assets 1.23b

(B) 0.15 = Retained Earnings (Balance) 182.4m / Total Assets 1.23b

(D) 0.28 = Book Value of Equity 184.0m / Total Liabilities 659.2m

Total Rating: 0.96 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 68.17

1. Piotroski 5.50pt = 0.50

2. FCF Yield 6.80% = 3.40

3. FCF Margin 54.57% = 7.50

4. Debt/Equity 1.08 = 1.94

5. Debt/Ebitda -0.45 = 2.50

6. ROIC - WACC (= -3.69)% = -4.62

7. RoE -5.39% = -0.90

8. Rev. Trend 96.90% = 7.27

9. EPS Trend 11.46% = 0.57

What is the price of CTO shares?

As of October 24, 2025, the stock is trading at USD 16.32 with a total of 230,697 shares traded.
Over the past week, the price has changed by +4.21%, over one month by +1.49%, over three months by -5.32% and over the past year by -9.38%.

Is CTO Realty Growth a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, CTO Realty Growth (NYSE:CTO) is currently (October 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 68.17 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CTO is around 16.01 USD . This means that CTO is currently overvalued and has a potential downside of -1.9%.

Is CTO a buy, sell or hold?

CTO Realty Growth has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy CTO.

Strong Buy: 7
Buy: 0
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the CTO price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	21.1	29.2%
Analysts Target Price	21.1	29.2%
ValueRay Target Price	17.2	5.1%

CTO Fundamental Data Overview October 20, 2025

Market Cap USD = 517.8m (517.8m USD * 1.0 USD.USD)
P/E Forward = 121.9512
P/S = 3.6725
P/B = 0.9256
Beta = 0.553
Revenue TTM = 141.0m USD
EBIT TTM = 6.25m USD
EBITDA TTM = 19.2m USD
Long Term Debt = 605.4m USD (from longTermDebt, last quarter)
Short Term Debt = 51.1m USD (from shortTermDebt, last fiscal year)
Debt = 621.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -8.55m USD (from netDebt column, last quarter)
Enterprise Value = 1.13b USD (517.8m + Debt 621.6m - CCE 8.55m)
Interest Coverage Ratio = 0.27 (Ebit TTM 6.25m / Interest Expense TTM 23.2m)
FCF Yield = 6.80% (FCF TTM 76.9m / Enterprise Value 1.13b)
FCF Margin = 54.57% (FCF TTM 76.9m / Revenue TTM 141.0m)
Net Margin = -22.71% (Net Income TTM -32.0m / Revenue TTM 141.0m)
Gross Margin = 74.20% ((Revenue TTM 141.0m - Cost of Revenue TTM 36.4m) / Revenue TTM)
Gross Margin QoQ = 72.96% (prev 75.17%)
Tobins Q-Ratio = 0.92 (Enterprise Value 1.13b / Total Assets 1.23b)
Interest Expense / Debt = 1.05% (Interest Expense 6.55m / Debt 621.6m)
Taxrate = 0.84% (-194.0k / -23.2m)
NOPAT = 6.20m (EBIT 6.25m * (1 - 0.84%))
Current Ratio = 2.94 (Total Current Assets 43.3m / Total Current Liabilities 14.8m)
Debt / Equity = 1.08 (Debt 621.6m / totalStockholderEquity, last quarter 574.1m)
Debt / EBITDA = -0.45 (Net Debt -8.55m / EBITDA 19.2m)
Debt / FCF = -0.11 (Net Debt -8.55m / FCF TTM 76.9m)
Total Stockholder Equity = 594.1m (last 4 quarters mean from totalStockholderEquity)
RoA = -2.60% (Net Income -32.0m / Total Assets 1.23b)
RoE = -5.39% (Net Income TTM -32.0m / Total Stockholder Equity 594.1m)
RoCE = 0.52% (EBIT 6.25m / Capital Employed (Equity 594.1m + L.T.Debt 605.4m))
RoIC = 0.54% (NOPAT 6.20m / Invested Capital 1.16b)
WACC = 4.23% (E(517.8m)/V(1.14b) * Re(8.05%) + D(621.6m)/V(1.14b) * Rd(1.05%) * (1-Tc(0.01)))
Discount Rate = 8.05% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 12.46%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈76.9m ; Y1≈50.5m ; Y5≈23.1m
Fair Price DCF = 13.79 (DCF Value 454.1m / Shares Outstanding 32.9m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 11.46 | EPS CAGR: 23.32% | SUE: -0.06 | # QB: 0
Revenue Correlation: 96.90 | Revenue CAGR: 19.39% | SUE: 0.83 | # QB: 0

Additional Sources for CTO Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle