CTO REALTY GROWTH INC (CTO) Fundamental Analysis & Valuation
NYSE:CTO • US22948Q1013
18.88 USD
-0.32 (-1.67%)
At close: Mar 12, 2026
18.88 USD
0 (0%)
After Hours: 3/12/2026, 8:04:00 PM
This CTO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Overall CTO gets a fundamental rating of 4 out of 10. We evaluated CTO against 123 industry peers in the Diversified REITs industry. While CTO is still in line with the averages on profitability rating, there are concerns on its financial health. CTO is valied quite expensively at the moment, while it does show a decent growth rate. Finally CTO also has an excellent dividend rating.
1. CTO Profitability Analysis
1.1 Basic Checks
- CTO had positive earnings in the past year.
- CTO had a positive operating cash flow in the past year.
- The reported net income has been mixed in the past 5 years: CTO reported negative net income in multiple years.
- Each year in the past 5 years CTO had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.20%, CTO is in line with its industry, outperforming 41.46% of the companies in the same industry.
- CTO has a Return On Equity (0.45%) which is comparable to the rest of the industry.
- CTO has a worse Return On Invested Capital (2.14%) than 60.98% of its industry peers.
- CTO had an Average Return On Invested Capital over the past 3 years of 1.54%. This is in line with the industry average of 3.11%.
- The last Return On Invested Capital (2.14%) for CTO is above the 3 year average (1.54%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.2% | ||
| ROE | 0.45% | ||
| ROIC | 2.14% |
ROA(3y)-0.15%
ROA(5y)0.63%
ROE(3y)-0.27%
ROE(5y)1.06%
ROIC(3y)1.54%
ROIC(5y)1.56%
1.3 Margins
- CTO has a Profit Margin (1.73%) which is comparable to the rest of the industry.
- CTO's Profit Margin has declined in the last couple of years.
- CTO has a Operating Margin of 22.12%. This is comparable to the rest of the industry: CTO outperforms 49.59% of its industry peers.
- In the last couple of years the Operating Margin of CTO has grown nicely.
- CTO has a Gross Margin of 74.64%. This is in the better half of the industry: CTO outperforms 69.92% of its industry peers.
- In the last couple of years the Gross Margin of CTO has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.12% | ||
| PM (TTM) | 1.73% | ||
| GM | 74.64% |
OM growth 3Y0.93%
OM growth 5Y3.42%
PM growth 3YN/A
PM growth 5Y-58.45%
GM growth 3Y1.1%
GM growth 5Y0.44%
2. CTO Health Analysis
2.1 Basic Checks
- CTO has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for CTO has been increased compared to 1 year ago.
- CTO has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for CTO is higher compared to a year ago.
2.2 Solvency
- CTO has an Altman-Z score of 0.91. This is a bad value and indicates that CTO is not financially healthy and even has some risk of bankruptcy.
- CTO has a Altman-Z score of 0.91. This is in the better half of the industry: CTO outperforms 71.54% of its industry peers.
- CTO has a Debt/Equity ratio of 1.05. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of CTO (1.05) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.91 |
ROIC/WACC0.33
WACC6.47%
2.3 Liquidity
- CTO has a Current Ratio of 0.25. This is a bad value and indicates that CTO is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 0.25, CTO is doing worse than 87.80% of the companies in the same industry.
- A Quick Ratio of 0.24 indicates that CTO may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.24, CTO is doing worse than 84.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.24 |
3. CTO Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 422.73% over the past year.
- The earnings per share for CTO have been decreasing by -35.01% on average. This is quite bad
- Looking at the last year, CTO shows a very strong growth in Revenue. The Revenue has grown by 20.10%.
- CTO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.54% yearly.
EPS 1Y (TTM)422.73%
EPS 3YN/A
EPS 5Y-35.01%
EPS Q2Q%246.43%
Revenue 1Y (TTM)20.1%
Revenue growth 3Y22.02%
Revenue growth 5Y21.54%
Sales Q2Q%7.27%
3.2 Future
- CTO is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -55.37% yearly.
- Based on estimates for the next years, CTO will show a small growth in Revenue. The Revenue will grow by 4.79% on average per year.
EPS Next Y-80.56%
EPS Next 2Y-55.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.87%
Revenue Next 2Y4.79%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. CTO Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 26.59, which means the current valuation is very expensive for CTO.
- CTO's Price/Earnings ratio is a bit cheaper when compared to the industry. CTO is cheaper than 69.11% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 25.71. CTO is around the same levels.
- CTO is valuated quite expensively with a Price/Forward Earnings ratio of 136.78.
- The rest of the industry has a similar Price/Forward Earnings ratio as CTO.
- CTO is valuated expensively when we compare the Price/Forward Earnings ratio to 23.82, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.59 | ||
| Fwd PE | 136.78 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CTO is valued a bit cheaper than 65.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 13.15 |
4.3 Compensation for Growth
- CTO's earnings are expected to decrease with -55.37% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-55.37%
EPS Next 3YN/A
5. CTO Dividend Analysis
5.1 Amount
- CTO has a Yearly Dividend Yield of 7.75%, which is a nice return.
- Compared to an average industry Dividend Yield of 7.59, CTO pays a bit more dividend than its industry peers.
- CTO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.75% |
5.2 History
- On average, the dividend of CTO grows each year by 19.18%, which is quite nice.
- CTO has paid a dividend for at least 10 years, which is a reliable track record.
- CTO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)19.18%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
- 2192.17% of the earnings are spent on dividend by CTO. This is not a sustainable payout ratio.
- CTO's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP2192.17%
EPS Next 2Y-55.37%
EPS Next 3YN/A
CTO Fundamentals: All Metrics, Ratios and Statistics
18.88
-0.32 (-1.67%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryDiversified REITs
Earnings (Last)02-19 2026-02-19/amc
Earnings (Next)04-29 2026-04-29
Inst Owners65.65%
Inst Owner Change-2.34%
Ins Owners4.46%
Ins Owner Change7.79%
Market Cap614.73M
Revenue(TTM)149.54M
Net Income(TTM)2.58M
Analysts82
Price Target21.76 (15.25%)
Short Float %2.87%
Short Ratio3.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.75% |
Yearly Dividend1.77
Dividend Growth(5Y)19.18%
DP2192.17%
Div Incr Years0
Div Non Decr Years14
Ex-Date03-12 2026-03-12 (0.38)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.35%
Min Revenue beat(2)-0.81%
Max Revenue beat(2)0.12%
Revenue beat(4)3
Avg Revenue beat(4)0.55%
Min Revenue beat(4)-0.81%
Max Revenue beat(4)2.32%
Revenue beat(8)6
Avg Revenue beat(8)1.18%
Revenue beat(12)10
Avg Revenue beat(12)3.9%
Revenue beat(16)14
Avg Revenue beat(16)4.77%
PT rev (1m)-0.31%
PT rev (3m)1.59%
EPS NQ rev (1m)25%
EPS NQ rev (3m)25%
EPS NY rev (1m)24.25%
EPS NY rev (3m)24.25%
Revenue NQ rev (1m)1.34%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)2.18%
Revenue NY rev (3m)2.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.59 | ||
| Fwd PE | 136.78 | ||
| P/S | 4.11 | ||
| P/FCF | N/A | ||
| P/OCF | 9.52 | ||
| P/B | 1.08 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | 13.15 |
EPS(TTM)0.71
EY3.76%
EPS(NY)0.14
Fwd EY0.73%
FCF(TTM)-2.94
FCFYN/A
OCF(TTM)1.98
OCFY10.51%
SpS4.59
BVpS17.42
TBVpS14.82
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.2% | ||
| ROE | 0.45% | ||
| ROCE | 2.71% | ||
| ROIC | 2.14% | ||
| ROICexc | 2.15% | ||
| ROICexgc | 2.37% | ||
| OM | 22.12% | ||
| PM (TTM) | 1.73% | ||
| GM | 74.64% | ||
| FCFM | N/A |
ROA(3y)-0.15%
ROA(5y)0.63%
ROE(3y)-0.27%
ROE(5y)1.06%
ROIC(3y)1.54%
ROIC(5y)1.56%
ROICexc(3y)1.55%
ROICexc(5y)1.58%
ROICexgc(3y)1.74%
ROICexgc(5y)1.82%
ROCE(3y)1.95%
ROCE(5y)1.98%
ROICexgc growth 3Y10.73%
ROICexgc growth 5Y11.07%
ROICexc growth 3Y13.4%
ROICexc growth 5Y11.1%
OM growth 3Y0.93%
OM growth 5Y3.42%
PM growth 3YN/A
PM growth 5Y-58.45%
GM growth 3Y1.1%
GM growth 5Y0.44%
F-Score8
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 6.43 | ||
| Cap/Depr | 266.98% | ||
| Cap/Sales | 107.14% | ||
| Interest Coverage | 1.26 | ||
| Cash Conversion | 69.39% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.24 | ||
| Altman-Z | 0.91 |
F-Score8
WACC6.47%
ROIC/WACC0.33
Cap/Depr(3y)290.64%
Cap/Depr(5y)641.09%
Cap/Sales(3y)131.92%
Cap/Sales(5y)228.39%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)422.73%
EPS 3YN/A
EPS 5Y-35.01%
EPS Q2Q%246.43%
EPS Next Y-80.56%
EPS Next 2Y-55.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.1%
Revenue growth 3Y22.02%
Revenue growth 5Y21.54%
Sales Q2Q%7.27%
Revenue Next Year6.87%
Revenue Next 2Y4.79%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y231.6%
EBIT growth 3Y23.15%
EBIT growth 5Y25.7%
EBIT Next Year217.17%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y47.47%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y7.91%
OCF growth 3Y4.81%
OCF growth 5Y30.71%
CTO REALTY GROWTH INC / CTO FAQ
What is the ChartMill fundamental rating of CTO REALTY GROWTH INC (CTO) stock?
ChartMill assigns a fundamental rating of 4 / 10 to CTO.
What is the valuation status for CTO stock?
ChartMill assigns a valuation rating of 2 / 10 to CTO REALTY GROWTH INC (CTO). This can be considered as Overvalued.
What is the profitability of CTO stock?
CTO REALTY GROWTH INC (CTO) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for CTO stock?
The Price/Earnings (PE) ratio for CTO REALTY GROWTH INC (CTO) is 26.59 and the Price/Book (PB) ratio is 1.08.
What is the financial health of CTO REALTY GROWTH INC (CTO) stock?
The financial health rating of CTO REALTY GROWTH INC (CTO) is 1 / 10.