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): 26.07%
EPS Trend (3Y Correlation): 13.4%

CTO Revenue

Revenue Growth (3Y CAGR): 20.65%
Revenue Trend (3Y Correlation): 96.8%

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	550m
Sub-Industry	Multi-Family Residential REITs
IPO / Inception	1992-09-08

CTO Stock Ratings

Growth Rating	-6.59%
Fundamental	61.7%
Dividend Rating	88.3%
Return 12m vs S&P 500	-19.0%
Analyst Rating	5.0 of 5

CTO Dividends

Dividend Yield 12m	8.75%
Yield on Cost 5y	17.63%
Annual Growth 5y	13.68%
Payout Consistency	91.3%
Payout Ratio	249.2%

CTO Growth Ratios

Growth Correlation 3m	-5.9%
Growth Correlation 12m	-87%
Growth Correlation 5y	77.2%
CAGR 5y	3.54%
CAGR/Max DD 3y (Calmar Ratio)	0.16
CAGR/Mean DD 3y (Pain Ratio)	0.34
Sharpe Ratio 12m	1.43
Alpha	-18.91
Beta	0.673
Volatility	20.79%
Current Volume	236.1k
Average Volume 20d	258.9k
Stop Loss	16.8 (-3.3%)
Signal	0.34

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (-33.3m TTM) > 0 and > 6% of Revenue (6% = 8.82m TTM)

FCFTA 0.07 (>2.0%) and ΔFCFTA 9.04pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 19.78% (prev 15.21%; Δ 4.57pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.07 (>3.0%) and CFO 81.3m > Net Income -33.3m (YES >=105%, WARN >=100%)

Net Debt (601.6m) to EBITDA (23.3m) ratio: 25.83 <= 3.0 (WARN <= 3.5)

Current Ratio 2.91 (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 28.06% (target <= -2.0% for YES)

Gross Margin 74.48% (prev 53.84%; Δ 20.64pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 12.25% (prev 10.09%; Δ 2.16pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.35 (EBITDA TTM 23.3m / Interest Expense TTM 24.7m) >= 6 (WARN >= 3)

Altman Z'' 0.93

(A) 0.02 = (Total Current Assets 44.3m - Total Current Liabilities 15.2m) / Total Assets 1.22b

(B) 0.14 = Retained Earnings (Balance) 170.8m / Total Assets 1.22b

(D) 0.26 = Book Value of Equity 170.6m / Total Liabilities 665.1m

Total Rating: 0.93 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 61.71

1. Piotroski 4.0pt = -1.0

2. FCF Yield 7.22% = 3.61

3. FCF Margin 55.30% = 7.50

4. Debt/Equity 1.11 = 1.92

5. Debt/Ebitda 25.83 = -2.50

6. ROIC - WACC (= -3.84)% = -4.80

7. RoE -5.70% = -0.95

8. Rev. Trend 96.84% = 7.26

9. EPS Trend 13.42% = 0.67

What is the price of CTO shares?

As of November 08, 2025, the stock is trading at USD 17.37 with a total of 236,136 shares traded.
Over the past week, the price has changed by +4.14%, over one month by +13.16%, over three months by +8.14% and over the past year by -7.62%.

Is CTO Realty Growth a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, CTO Realty Growth is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 61.71 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CTO is around 17.89 USD . This means that CTO is currently overvalued and has a potential downside of 2.99%.

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	20.9	20.4%
Analysts Target Price	20.9	20.4%
ValueRay Target Price	19.3	10.8%

CTO Fundamental Data Overview November 06, 2025

Market Cap USD = 550.3m (550.3m USD * 1.0 USD.USD)
P/E Forward = 121.9512
P/S = 3.7451
P/B = 0.9256
Beta = 0.673
Revenue TTM = 146.9m USD
EBIT TTM = 8.68m USD
EBITDA TTM = 23.3m USD
Long Term Debt = 468.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 51.1m USD (from shortTermDebt, last fiscal year)
Debt = 619.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 601.6m USD (from netDebt column, last quarter)
Enterprise Value = 1.13b USD (550.3m + Debt 619.2m - CCE 44.3m)
Interest Coverage Ratio = 0.35 (Ebit TTM 8.68m / Interest Expense TTM 24.7m)
FCF Yield = 7.22% (FCF TTM 81.3m / Enterprise Value 1.13b)
FCF Margin = 55.30% (FCF TTM 81.3m / Revenue TTM 146.9m)
Net Margin = -22.69% (Net Income TTM -33.3m / Revenue TTM 146.9m)
Gross Margin = 74.48% ((Revenue TTM 146.9m - Cost of Revenue TTM 37.5m) / Revenue TTM)
Gross Margin QoQ = 75.44% (prev 72.96%)
Tobins Q-Ratio = 0.92 (Enterprise Value 1.13b / Total Assets 1.22b)
Interest Expense / Debt = 1.10% (Interest Expense 6.83m / Debt 619.2m)
Taxrate = -1.95% (negative due to tax credits) (-58.0k / 2.97m)
NOPAT = 8.84m (EBIT 8.68m * (1 - -1.95%)) [negative tax rate / tax credits]
Current Ratio = 2.91 (Total Current Assets 44.3m / Total Current Liabilities 15.2m)
Debt / Equity = 1.11 (Debt 619.2m / totalStockholderEquity, last quarter 557.3m)
Debt / EBITDA = 25.83 (Net Debt 601.6m / EBITDA 23.3m)
Debt / FCF = 7.40 (Net Debt 601.6m / FCF TTM 81.3m)
Total Stockholder Equity = 584.5m (last 4 quarters mean from totalStockholderEquity)
RoA = -2.73% (Net Income -33.3m / Total Assets 1.22b)
RoE = -5.70% (Net Income TTM -33.3m / Total Stockholder Equity 584.5m)
RoCE = 0.82% (EBIT 8.68m / Capital Employed (Equity 584.5m + L.T.Debt 468.0m))
RoIC = 0.76% (NOPAT 8.84m / Invested Capital 1.17b)
WACC = 4.60% (E(550.3m)/V(1.17b) * Re(8.50%) + D(619.2m)/V(1.17b) * Rd(1.10%) * (1-Tc(-0.02)))
Discount Rate = 8.50% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 12.38%
[DCF Debug] Terminal Value 68.42% ; FCFE base≈81.3m ; Y1≈53.3m ; Y5≈24.4m
Fair Price DCF = 13.72 (DCF Value 444.1m / Shares Outstanding 32.4m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 13.42 | EPS CAGR: 26.07% | SUE: 0.06 | # QB: 0
Revenue Correlation: 96.84 | Revenue CAGR: 20.65% | SUE: 0.06 | # QB: 0

Additional Sources for CTO Stock

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