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, External Management

Multi-Family Residential REITs
Market Cap in USD: 584m
IPO / Inception: 1992-09-08
Return 12m vs S&P 500: -14.0%

EPS (Earnings per Share)

EPS (Earnings per Share) of CTO over the last years for every Quarter: "2020-12": 5.53, "2021-03": 0.44, "2021-06": 0.7, "2021-09": 1.29, "2021-12": 0.04, "2022-03": -0.06, "2022-06": 0.0012, "2022-09": 0.19, "2022-12": -0.21, "2023-03": -0.33, "2023-06": 0.03, "2023-09": 0.07, "2023-12": 0.25, "2024-03": 0.2, "2024-06": -0.03, "2024-09": 0.17, "2024-12": -0.4674, "2025-03": 0.0138, "2025-06": -0.0137, "2025-09": 0.03,
EPS CAGR: -7.38%
EPS Trend: -1.4%
Last SUE: 0.06
Qual. Beats: 0

Revenue

Revenue of CTO over the last years for every Quarter: 2020-12: 15.960851, 2021-03: 14.712, 2021-06: 14.283, 2021-09: 16.577, 2021-12: 24.7, 2022-03: 17.21, 2022-06: 19.463, 2022-09: 23.117, 2022-12: 22.53, 2023-03: 24.717, 2023-06: 26.047, 2023-09: 28.47, 2023-12: 29.885, 2024-03: 28.127, 2024-06: 28.845, 2024-09: 31.805, 2024-12: 35.742, 2025-03: 35.811, 2025-06: 37.638, 2025-09: 37.757,
Rev. CAGR: 11.98%
Rev. Trend: 91.8%
Last SUE: 0.06
Qual. Beats: 0

Dividends

Dividend Yield 8.45%
Yield on Cost 5y 17.18%
Yield CAGR 5y -17.95%
Payout Consistency 87.6%
Payout Ratio 249.2%
Risk via 5d forecast
Volatility 20.4%
Value at Risk 5%th 31.8%
Relative Tail Risk -5.02%
Reward TTM
Sharpe Ratio -0.06
Alpha -8.98
CAGR/Max DD 0.39
Character TTM
Hurst Exponent 0.408
Beta 0.460
Beta Downside 0.448
Drawdowns 3y
Max DD 21.39%
Mean DD 8.65%
Median DD 8.34%

Description: CTO CTO Realty Growth December 27, 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 assets, CTO externally manages and holds a significant stake in Alpine Income Property Trust (NYSE: PINE), a net-lease REIT that adds diversification and a steady income stream.

Key operating metrics (FY 2023) show an occupancy rate of roughly 95 % and a same-store net operating income (NOI) growth of about 6 % year-over-year, reflecting resilient tenant demand. The portfolio is heavily weighted toward Sun Belt and secondary-city locations, where retail sales are growing 2–3 % faster than the national average, a sector driver that supports rent-growth potential. The partnership with PINE provides exposure to long-term net-lease contracts, which historically exhibit lower volatility and higher cash-flow predictability.

Note: The GICS sub-industry tag listed as “Multi-Family Residential REITs” appears inconsistent with CTO’s retail-centric business model; industry classifications often lag behind actual asset mixes, so analysts should verify the correct sector classification before benchmarking.

For a deeper quantitative breakdown of CTO’s risk-adjusted returns, the ValueRay platform offers a free analyst-grade dashboard you may find useful.

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (-33.3m TTM) > 0 and > 6% of Revenue (6% = 8.82m TTM)
FCFTA 0.06 (>2.0%) and ΔFCFTA 1.70pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 101.8% (prev 125.9%; Δ -24.10pp) (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 (609.9m) to EBITDA (24.3m) ratio: 25.07 <= 3.0 (WARN <= 3.5)
Current Ratio 4.97 (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 73.04%; Δ 1.44pp) >=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 -0.85 (EBITDA TTM 24.3m / Interest Expense TTM 24.7m) >= 6 (WARN >= 3)

Altman Z'' 1.41

(A) 0.12 = (Total Current Assets 187.2m - Total Current Liabilities 37.7m) / Total Assets 1.22b
(B) 0.14 = Retained Earnings (Balance) 170.8m / Total Assets 1.22b
(C) -0.02 = EBIT TTM -20.9m / Avg Total Assets 1.20b
(D) 0.26 = Book Value of Equity 170.6m / Total Liabilities 665.1m
Total Rating: 1.41 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 56.74

1. Piotroski 3.50pt
2. FCF Yield 6.29%
3. FCF Margin 51.12%
4. Debt/Equity 1.11
5. Debt/Ebitda 25.07
6. ROIC - WACC (= -6.14)%
7. RoE -5.70%
8. Rev. Trend 91.77%
9. EPS Trend -1.41%

What is the price of CTO shares?

As of December 27, 2025, the stock is trading at USD 17.98 with a total of 138,962 shares traded.
Over the past week, the price has changed by -0.50%, over one month by +1.51%, over three months by +15.06% and over the past year by -0.08%.

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 20.8 15.7%
Analysts Target Price 20.8 15.7%
ValueRay Target Price 20.2 12.1%

CTO Fundamental Data Overview December 24, 2025

Market Cap USD = 583.7m (583.7m USD * 1.0 USD.USD)
P/E Forward = 121.9512
P/S = 3.9721
P/B = 1.0498
Beta = 0.665
Revenue TTM = 146.9m USD
EBIT TTM = -20.9m USD
EBITDA TTM = 24.3m USD
Long Term Debt = 604.2m USD (from longTermDebt, last quarter)
Short Term Debt = 51.1m USD (from shortTermDebt, last fiscal year)
Debt = 619.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 609.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.19b USD (583.7m + Debt 619.2m - CCE 9.28m)
Interest Coverage Ratio = -0.85 (Ebit TTM -20.9m / Interest Expense TTM 24.7m)
FCF Yield = 6.29% (FCF TTM 75.1m / Enterprise Value 1.19b)
FCF Margin = 51.12% (FCF TTM 75.1m / 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 = 0.98 (Enterprise Value 1.19b / 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 = -21.3m (EBIT -20.9m * (1 - -1.95%)) [loss with tax shield] [negative tax rate / tax credits]
Current Ratio = 4.97 (Total Current Assets 187.2m / Total Current Liabilities 37.7m)
Debt / Equity = 1.11 (Debt 619.2m / totalStockholderEquity, last quarter 557.3m)
Debt / EBITDA = 25.07 (Net Debt 609.9m / EBITDA 24.3m)
Debt / FCF = 8.12 (Net Debt 609.9m / FCF TTM 75.1m)
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 = -1.76% (EBIT -20.9m / Capital Employed (Equity 584.5m + L.T.Debt 604.2m))
RoIC = -1.82% (negative operating profit) (NOPAT -21.3m / Invested Capital 1.17b)
WACC = 4.32% (E(583.7m)/V(1.20b) * Re(7.71%) + D(619.2m)/V(1.20b) * Rd(1.10%) * (1-Tc(-0.02)))
Discount Rate = 7.71% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 12.38%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈66.0m ; Y1≈81.4m ; Y5≈138.9m
Fair Price DCF = 72.98 (DCF Value 2.36b / Shares Outstanding 32.4m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -1.41 | EPS CAGR: -7.38% | SUE: 0.06 | # QB: 0
Revenue Correlation: 91.77 | Revenue CAGR: 11.98% | SUE: 0.06 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.03 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=0.14 | Chg30d=+0.000 | Revisions Net=+1 | Growth EPS=+120.4% | Growth Revenue=+5.5%

Additional Sources for CTO Stock

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