CTO REALTY GROWTH INC (CTO) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:CTO • US22948Q1013

18.59 USD
+0.02 (+0.11%)
At close: Feb 6, 2026
18.59 USD
0 (0%)
After Hours: 2/6/2026, 8:26:48 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CTO. CTO was compared to 124 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.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year CTO has reported negative net income.
  • In the past year CTO had a positive cash flow from operations.
  • 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.
CTO Yearly Net Income VS EBIT VS OCF VS FCFCTO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M -200M

1.2 Ratios

  • CTO has a worse Return On Assets (-3.34%) than 76.61% of its industry peers.
  • The Return On Equity of CTO (-7.34%) is worse than 70.97% of its industry peers.
  • The Return On Invested Capital of CTO (1.31%) is worse than 79.03% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CTO is in line with the industry average of 3.05%.
Industry RankSector 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%
CTO Yearly ROA, ROE, ROICCTO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40

1.3 Margins

  • With a Operating Margin value of 11.63%, CTO is not doing good in the industry: 68.55% of the companies in the same industry are doing better.
  • In the last couple of years the Operating Margin of CTO has declined.
  • CTO has a better Gross Margin (74.48%) than 70.97% of its industry peers.
  • In the last couple of years the Gross Margin of CTO has declined.
Industry RankSector 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%
CTO Yearly Profit, Operating, Gross MarginsCTO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 100 150 200 250

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CTO is destroying value.
  • CTO has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for CTO has been increased compared to 5 years ago.
  • The debt/assets ratio for CTO has been reduced compared to a year ago.
CTO Yearly Shares OutstandingCTO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
CTO Yearly Total Debt VS Total AssetsCTO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • CTO has an Altman-Z score of 0.87. This is a bad value and indicates that CTO is not financially healthy and even has some risk of bankruptcy.
  • CTO's Altman-Z score of 0.87 is fine compared to the rest of the industry. CTO outperforms 66.94% 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.
  • CTO has a Debt to Equity ratio (1.05) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF N/A
Altman-Z 0.87
ROIC/WACC0.19
WACC6.79%
CTO Yearly LT Debt VS Equity VS FCFCTO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M

2.3 Liquidity

  • A Current Ratio of 0.29 indicates that CTO may have some problems paying its short term obligations.
  • With a Current ratio value of 0.29, CTO is not doing good in the industry: 88.71% of the companies in the same industry are doing better.
  • CTO has a Quick Ratio of 0.29. 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 Quick ratio, with a value of 0.28, CTO is doing worse than 88.71% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.29
Quick Ratio 0.28
CTO Yearly Current Assets VS Current LiabilitesCTO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • CTO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -213.56%.
  • CTO shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.84%.
  • Measured over the past years, CTO shows a very strong growth in Revenue. The Revenue has been growing by 22.61% on average per year.
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

  • The Earnings Per Share is expected to grow by 58.27% on average over the next years. This is a very strong growth
  • CTO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.11% yearly.
EPS Next Y-235.14%
EPS Next 2Y58.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.33%
Revenue Next 2Y13.11%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
CTO Yearly Revenue VS EstimatesCTO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
CTO Yearly EPS VS EstimatesCTO Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 4 6

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for CTO. In the last year negative earnings were reported.
  • With a Price/Forward Earnings ratio of 167.33, CTO can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CTO is on the same level as its industry peers.
  • CTO is valuated expensively when we compare the Price/Forward Earnings ratio to 27.78, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 167.33
CTO Price Earnings VS Forward Price EarningsCTO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 100 150

4.2 Price Multiples

  • CTO's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CTO is cheaper than 66.94% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 13.19
CTO Per share dataCTO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

  • CTO's earnings are expected to grow with 58.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y58.27%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • CTO has a Yearly Dividend Yield of 8.67%, which is a nice return.
  • Compared to an average industry Dividend Yield of 6.96, CTO pays a better dividend. On top of this CTO pays more dividend than 86.29% of the companies listed in the same industry.
  • CTO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 8.67%

5.2 History

  • The dividend of CTO is nicely growing with an annual growth rate of 71.47%!
  • CTO has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CTO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)71.47%
Div Incr Years0
Div Non Decr Years14
CTO Yearly Dividends per shareCTO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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
CTO Yearly Income VS Free CF VS DividendCTO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M -200M

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CTO REALTY GROWTH INC

NYSE:CTO (2/6/2026, 8:26:48 PM)

After market: 18.59 0 (0%)

18.59

+0.02 (+0.11%)

Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryDiversified REITs
Earnings (Last)10-28
Earnings (Next)02-19
Inst Owners67.26%
Inst Owner Change-1.82%
Ins Owners4.05%
Ins Owner Change4.22%
Market Cap601.76M
Revenue(TTM)146.95M
Net Income(TTM)-40.88M
Analysts84
Price Target21.59 (16.14%)
Short Float %3.72%
Short Ratio4.24
Dividend
Industry RankSector Rank
Dividend Yield 8.67%
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%
PT rev (3m)0.4%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)100%
EPS NY rev (1m)0%
EPS NY rev (3m)6.41%
Revenue NQ rev (1m)0.26%
Revenue NQ rev (3m)-0.56%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)-0.38%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 167.33
P/S 4.1
P/FCF N/A
P/OCF 7.45
P/B 1.08
P/tB 1.25
EV/EBITDA 13.19
EPS(TTM)-0.67
EYN/A
EPS(NY)0.11
Fwd EY0.6%
FCF(TTM)-0.97
FCFYN/A
OCF(TTM)2.49
OCFY13.42%
SpS4.54
BVpS17.22
TBVpS14.91
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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
WACC6.79%
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 Year22.33%
Revenue Next 2Y13.11%
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.