CTO Stock Analysis: CTO Realty Growth | NYSE
REIT - Diversified | NYSE, USA | Market Cap: 820m USD | 12M Return: 43.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.91M
Qual. Beats: 0
Rev. Trend: 99.5%
Qual. Beats: 2
Warnings
Tailwinds
Seasonality 11.6 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. is a publicly traded real estate investment trust (REIT) that owns and operates a portfolio of retail-based properties located primarily in higher-growth U.S. markets. In addition to its directly owned portfolio, the company externally manages and holds a meaningful ownership interest in Alpine Income Property Trust, Inc., a publicly traded net lease REIT. The company was incorporated in 1902 and is headquartered in Winter Park, Florida.
As a REIT, CTO is generally required to distribute a substantial portion of its taxable income to shareholders in exchange for favorable corporate tax treatment. Net lease REITs, such as Alpine Income Property Trust, typically operate under a structure in which tenants are responsible for most property-level expenses, including real estate taxes, insurance, and maintenance, in addition to rent.
- Retail portfolio occupancy and rental rates drive FFO growth
- Alpine Income Property Trust stake adds fee income and equity upside
- Interest rate environment pressures REIT valuations and capital costs
| Net Income: 52.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -5.23 > 1.0 |
| NWC/Revenue: 15.95% < 20% (prev 110.5%; Δ -94.59% < -1%) |
| CFO/TA 0.05 > 3% & CFO 66.9m > Net Income 52.7m |
| Net Debt (631.1m) to EBITDA (152.0m): 4.15 < 3 |
| Current Ratio: 2.44 > 1.5 & < 3 |
| Outstanding Shares: last quarter (33.8m) vs 12m ago 3.24% < -2% |
| Gross Margin: 0.57% > 18% (prev 74.20%; Δ -73.63% > 0.5%) |
| Asset Turnover: 12.22% > 50% (prev 11.43%; Δ 0.78% > 0%) |
| Interest Coverage Ratio: 2.11 > 6 (EBIT TTM 61.1m / Interest Expense TTM 29.0m) |
| A: 0.02 (Total Current Assets 43.5m - Total Current Liabilities 17.8m) / Total Assets 1.40b |
| B: 0.13 (Retained Earnings 175.6m / Total Assets 1.40b) |
| C: 0.05 (EBIT TTM 61.1m / Avg Total Assets 1.32b) |
| D: 0.89 (Book Value of Equity 663.2m / Total Liabilities 742.5m) |
| Altman-Z'' = 1.78 = BBB |
| DSRI: 1.44 (Receivables 210.4m/127.8m, Revenue 161.1m/141.0m) |
| GMI: 129.6 (GM 74.20% / 0.57%) |
| AQI: 0.31 (AQ_t 0.27 / AQ_t-1 0.85) |
| SGI: 1.14 (Revenue 161.1m / 141.0m) |
| TATA: -0.01 (NI 52.7m - CFO 66.9m) / TA 1.40b) |
| Beneish M = 113.6 (Cap -4..+1) = D |
As of August 03, 2026, the stock is trading at USD 21.97 with a total of 326,488 shares traded. Over the past week, the price has changed by -0.14%, over one month by +1.85%, over three months by +10.06% and over the past year by +43.14%.
Current recommended Stop Loss: 21.30 (which is 3% 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: 7
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 24 | 9.2% |
P/E Trailing = 16.2
P/E Forward = 121.9512
P/S = 5.0888
P/B = 1.2645
Revenue TTM = 161.1m USD
EBIT TTM = 61.1m USD
EBITDA TTM = 152.0m USD
Long Term Debt = 616.3m USD (from longTermDebt, last fiscal year)
Short Term Debt = 17.8m USD (from shortTermDebt, last quarter)
Debt = 690.5m USD (from shortLongTermDebtTotal, last quarter) + Leases 201k
Net Debt = 631.1m USD (calculated: Debt 690.5m - CCE 59.4m)
Enterprise Value = 1.45b USD (819.8m + Debt 690.5m - CCE 59.4m)
Interest Coverage Ratio = 2.11 (Ebit TTM 61.1m / Interest Expense TTM 29.0m)
EV/FCF = 102.3x (Enterprise Value 1.45b / FCF TTM 14.2m)
FCF Yield = 0.98% (FCF TTM 14.2m / Enterprise Value 1.45b)
FCF Margin = 8.81% (FCF TTM 14.2m / Revenue TTM 161.1m)
Net Margin = 32.70% (Net Income TTM 52.7m / Revenue TTM 161.1m)
Gross Margin = 0.57% ((Revenue TTM 161.1m - Cost of Revenue TTM 160.2m) / Revenue TTM)
Gross Margin QoQ = 74.62% (prev 75.30%)
Tobins Q-Ratio = 1.03 (Enterprise Value 1.45b / Total Assets 1.40b)
Interest Expense / Debt = 4.20% (Interest Expense 29.0m / Debt 690.5m)
Taxrate = 2.35% (1.27m / 53.9m)
NOPAT = 59.6m (EBIT 61.1m * (1 - 2.35%))
Current Ratio = 2.44 (Total Current Assets 43.5m / Total Current Liabilities 17.8m)
Debt / Equity = 1.04 (Debt 690.5m / totalStockholderEquity, last quarter 663.2m)
Debt / EBITDA = 4.15 (Net Debt 631.1m / EBITDA 152.0m)
Debt / FCF = 44.49 (Net Debt 631.1m / FCF TTM 14.2m)
Total Stockholder Equity = 590.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.99% (Net Income 52.7m / Total Assets 1.40b)
RoE = 8.92% (Net Income TTM 52.7m / Total Stockholder Equity 590.8m)
RoCE = 5.06% (EBIT 61.1m / Capital Employed (Equity 590.8m + L.T.Debt 616.3m))
RoIC = 4.27% (NOPAT 59.6m / Invested Capital 1.40b)
WACC = 5.24% (E(819.8m)/V(1.51b) * Re(6.20%) + D(690.5m)/V(1.51b) * Rd(4.20%) * (1-Tc(0.02)))
Discount Rate = 6.20% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 85.79 | Cagr: 12.24%
[DCF] Terminal Value 73.10% ; FCFF base≈39.3m ; Y1≈34.5m ; Y5≈27.8m
[DCF] Fair Price = N/A (negative equity: EV 446.8m - Net Debt 631.1m = -184.3m; debt exceeds intrinsic value)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.11 | # QB: 0
Revenue Correlation: 99.47 | Revenue CAGR: 18.25% | SUE: 1.64 | # QB: 2
EPS current Quarter (2026-09-30): EPS=0.08 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=0.67 | Chg30d=+48.89% | Revisions=-40% | GrowthEPS=+737.5% | GrowthRev=+16.0%
EPS next Year (2027-12-31): EPS=0.25 | Chg30d=N/A | Revisions=+0% | GrowthEPS=+27.4% | GrowthRev=+7.3%