CTO REALTY GROWTH INC (CTO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CTO - US22948Q1013 - REIT
18.45 USD
+0.21 (+1.15%)
18.45 USD
0 (0%)
CTO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 125 industry peers in the Diversified REITs industry. CTO has a bad profitability rating. Also its financial health evaluation is rather negative. CTO is valied quite expensively at the moment, while it does show a decent growth rate. CTO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year CTO has reported negative net income.
- CTO had a positive operating cash flow in the past year.
- In multiple years CTO reported negative net income over the last 5 years.
- In the past 5 years CTO always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of -3.34%, CTO is doing worse than 76.98% of the companies in the same industry.
- CTO has a Return On Equity of -7.34%. This is in the lower half of the industry: CTO underperforms 71.43% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 1.31%, CTO is doing worse than 79.37% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for CTO is in line with the industry average of 3.07%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.34% | ||
| ROE | -7.34% | ||
| ROIC | 1.31% |
ROA(3y)-0.28%
ROA(5y)2.94%
ROE(3y)-0.53%
ROE(5y)5.44%
ROIC(3y)1.49%
ROIC(5y)1.59%
1.3 Margins
- With a Operating Margin value of 11.63%, CTO is not doing good in the industry: 69.05% of the companies in the same industry are doing better.
- In the last couple of years the Operating Margin of CTO has declined.
- The Gross Margin of CTO (74.48%) is better than 71.43% of its industry peers.
- In the last couple of years the Gross Margin of CTO has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.63% | ||
| PM (TTM) | N/A | ||
| GM | 74.48% |
OM growth 3Y-29.48%
OM growth 5Y-21.68%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.5%
GM growth 5Y-2.73%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CTO 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.
- CTO has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.87, we must say that CTO is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.87, CTO is in the better half of the industry, outperforming 68.25% of the companies in the same industry.
- A Debt/Equity ratio of 1.05 is on the high side and indicates that CTO has dependencies on debt financing.
- CTO has a Debt to Equity ratio (1.05) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.87 |
ROIC/WACC0.19
WACC6.83%
2.3 Liquidity
- A Current Ratio of 0.29 indicates that CTO may have some problems paying its short term obligations.
- CTO's Current ratio of 0.29 is on the low side compared to the rest of the industry. CTO is outperformed by 88.10% of its industry peers.
- A Quick Ratio of 0.28 indicates that CTO may have some problems paying its short term obligations.
- CTO has a worse Quick ratio (0.28) than 87.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.29 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
- The earnings per share for CTO have decreased strongly by -213.56% in the last year.
- CTO shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.84%.
- CTO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.61% yearly.
EPS 1Y (TTM)-213.56%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-82.35%
Revenue 1Y (TTM)23.84%
Revenue growth 3Y21.01%
Revenue growth 5Y22.61%
Sales Q2Q%18.71%
3.2 Future
- Based on estimates for the next years, CTO will show a very strong growth in Earnings Per Share. The EPS will grow by 58.27% on average per year.
- The Revenue is expected to grow by 13.72% on average over the next years. This is quite good.
EPS Next Y-235.14%
EPS Next 2Y58.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.62%
Revenue Next 2Y13.72%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
- CTO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- CTO is valuated quite expensively with a Price/Forward Earnings ratio of 166.07.
- CTO's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. CTO is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 166.07 |
4.2 Price Multiples
- 65.87% of the companies in the same industry are more expensive than CTO, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 13.15 |
4.3 Compensation for Growth
- A more expensive valuation may be justified as CTO's earnings are expected to grow with 58.27% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y58.27%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CTO has a Yearly Dividend Yield of 8.33%, which is a nice return.
- CTO's Dividend Yield is rather good when compared to the industry average which is at 6.59. CTO pays more dividend than 86.51% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, CTO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.33% |
5.2 History
- On average, the dividend of CTO grows each year by 71.47%, which is quite nice.
- CTO has been paying a dividend for at least 10 years, so it has a reliable track record.
- CTO has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)71.47%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
- CTO has negative earnings and hence a negative payout ratio. The dividend may be in danger.
- The dividend of CTO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP-138.11%
EPS Next 2Y58.27%
EPS Next 3YN/A
18.45
+0.21 (+1.15%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryDiversified REITs
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)02-18 2026-02-18/amc
Inst Owners67.26%
Inst Owner Change-0.08%
Ins Owners4.05%
Ins Owner Change4.17%
Market Cap597.23M
Revenue(TTM)146.95M
Net Income(TTM)-40.88M
Analysts84
Price Target21.59 (17.02%)
Short Float %4.79%
Short Ratio5.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.33% |
Yearly Dividend1.73
Dividend Growth(5Y)71.47%
DP-138.11%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)219.39%
Min EPS beat(2)41.76%
Max EPS beat(2)397.03%
EPS beat(4)3
Avg EPS beat(4)-1967.74%
Min EPS beat(4)-8412.68%
Max EPS beat(4)397.03%
EPS beat(8)7
Avg EPS beat(8)-733.09%
EPS beat(12)9
Avg EPS beat(12)-846.98%
EPS beat(16)11
Avg EPS beat(16)-597.35%
Revenue beat(2)1
Avg Revenue beat(2)0.75%
Min Revenue beat(2)-0.81%
Max Revenue beat(2)2.32%
Revenue beat(4)3
Avg Revenue beat(4)2.03%
Min Revenue beat(4)-0.81%
Max Revenue beat(4)6.02%
Revenue beat(8)6
Avg Revenue beat(8)2.69%
Revenue beat(12)10
Avg Revenue beat(12)4.35%
Revenue beat(16)14
Avg Revenue beat(16)7.93%
PT rev (1m)0.79%
PT rev (3m)0.4%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)100%
EPS NY rev (1m)6.41%
EPS NY rev (3m)6.41%
Revenue NQ rev (1m)1.21%
Revenue NQ rev (3m)-0.32%
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)-0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 166.07 | ||
| P/S | 4.06 | ||
| P/FCF | N/A | ||
| P/OCF | 7.4 | ||
| P/B | 1.07 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | 13.15 |
EPS(TTM)-0.67
EYN/A
EPS(NY)0.11
Fwd EY0.6%
FCF(TTM)-0.97
FCFYN/A
OCF(TTM)2.49
OCFY13.52%
SpS4.54
BVpS17.22
TBVpS14.91
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.34% | ||
| ROE | -7.34% | ||
| ROCE | 1.45% | ||
| ROIC | 1.31% | ||
| ROICexc | 1.32% | ||
| ROICexgc | 1.44% | ||
| OM | 11.63% | ||
| PM (TTM) | N/A | ||
| GM | 74.48% | ||
| FCFM | N/A |
ROA(3y)-0.28%
ROA(5y)2.94%
ROE(3y)-0.53%
ROE(5y)5.44%
ROIC(3y)1.49%
ROIC(5y)1.59%
ROICexc(3y)1.51%
ROICexc(5y)1.6%
ROICexgc(3y)1.74%
ROICexgc(5y)1.85%
ROCE(3y)1.65%
ROCE(5y)1.76%
ROICexgc growth 3Y-27.84%
ROICexgc growth 5Y-12.12%
ROICexc growth 3Y-26.17%
ROICexc growth 5Y-12.49%
OM growth 3Y-29.48%
OM growth 5Y-21.68%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.5%
GM growth 5Y-2.73%
F-Score5
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 6.47 | ||
| Cap/Depr | 152.5% | ||
| Cap/Sales | 76.37% | ||
| Interest Coverage | 0.78 | ||
| Cash Conversion | 89.04% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.29 | ||
| Quick Ratio | 0.28 | ||
| Altman-Z | 0.87 |
F-Score5
WACC6.83%
ROIC/WACC0.19
Cap/Depr(3y)564.23%
Cap/Depr(5y)763.78%
Cap/Sales(3y)223.32%
Cap/Sales(5y)266.49%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-213.56%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-82.35%
EPS Next Y-235.14%
EPS Next 2Y58.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)23.84%
Revenue growth 3Y21.01%
Revenue growth 5Y22.61%
Sales Q2Q%18.71%
Revenue Next Year22.62%
Revenue Next 2Y13.72%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-27.63%
EBIT growth 3Y-14.67%
EBIT growth 5Y-3.97%
EBIT Next Year209.17%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y86.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y30.29%
OCF growth 3Y35.98%
OCF growth 5Y33.41%
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 3 / 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 2 / 10.
Can you provide the financial health for CTO stock?
The financial health rating of CTO REALTY GROWTH INC (CTO) is 1 / 10.