CTO REALTY GROWTH INC (CTO) Stock Fundamental Analysis

NYSE:CTO • US22948Q1013

19.91 USD
+0.72 (+3.75%)
At close: Feb 20, 2026
19.91 USD
0 (0%)
After Hours: 2/20/2026, 8:26:05 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to CTO. CTO was compared to 123 industry peers in the Diversified REITs industry. Both the profitability and financial health of CTO have multiple concerns. CTO is valued expensive and it does not seem to be growing. CTO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year CTO was profitable.
  • 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.
  • CTO had a positive operating cash flow in 4 of the past 5 years.
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

  • Looking at the Return On Assets, with a value of -3.34%, CTO is doing worse than 76.42% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of -7.34%, CTO is doing worse than 70.73% of the companies in the same industry.
  • CTO has a worse Return On Invested Capital (1.31%) than 78.05% of its industry peers.
  • CTO had an Average Return On Invested Capital over the past 3 years of 1.49%. This is in line with the industry average of 3.06%.
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

  • Looking at the Operating Margin, with a value of 11.63%, CTO is doing worse than 67.48% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CTO has declined.
  • CTO has a Gross Margin of 74.48%. 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 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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CTO is destroying value.
  • There is no outstanding debt for CTO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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

  • Based on the Altman-Z score of 0.89, we must say that CTO is in the distress zone and has some risk of bankruptcy.
  • CTO's Altman-Z score of 0.89 is fine compared to the rest of the industry. CTO outperforms 68.29% 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 in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF N/A
Altman-Z 0.89
ROIC/WACC0.2
WACC6.7%
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

  • CTO has a Current 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.
  • The Current ratio of CTO (0.29) is worse than 87.80% of its industry peers.
  • A Quick Ratio of 0.28 indicates that CTO may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.28, CTO is not doing good in the industry: 87.80% of the companies in the same industry are doing better.
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

1

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 281.82% over the past year.
  • Measured over the past years, CTO shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -42.05% on average per year.
EPS 1Y (TTM)281.82%
EPS 3YN/A
EPS 5Y-42.05%
EPS Q2Q%191.07%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.27%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-72.23%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.58%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
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

1

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 49.77, the valuation of CTO can be described as expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of CTO is on the same level as its industry peers.
  • CTO is valuated expensively when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 179.21 indicates a quite expensive valuation of CTO.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CTO.
  • CTO's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 49.78
Fwd PE 179.21
CTO Price Earnings VS Forward Price EarningsCTO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 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 66.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 13.41
CTO Per share dataCTO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 8.00%, CTO is a good candidate for dividend investing.
  • CTO's Dividend Yield is rather good when compared to the industry average which is at 6.78. CTO pays more dividend than 82.11% of the companies in the same industry.
  • CTO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 8%

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
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

  • The earnings of CTO are negative and hence is the payout ratio. CTO will probably not be able to sustain this dividend level.
DP-138.11%
EPS Next 2YN/A
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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Find the best dividend stocksShow peers with best dividend

CTO REALTY GROWTH INC

NYSE:CTO (2/20/2026, 8:26:05 PM)

After market: 19.91 0 (0%)

19.91

+0.72 (+3.75%)

Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryDiversified REITs
Earnings (Last)02-19
Earnings (Next)04-29
Inst Owners67.26%
Inst Owner Change-3.34%
Ins Owners4.05%
Ins Owner Change8.26%
Market Cap644.49M
Revenue(TTM)N/A
Net Income(TTM)-40.88M
Analysts82.22
Price Target21.83 (9.64%)
Short Float %3.19%
Short Ratio3.55
Dividend
Industry RankSector Rank
Dividend Yield 8%
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)1.1%
PT rev (3m)1.5%
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)-0.94%
Revenue NQ rev (3m)0.26%
Revenue NY rev (1m)-0.24%
Revenue NY rev (3m)0.09%
Valuation
Industry RankSector Rank
PE 49.78
Fwd PE 179.21
P/S 4.39
P/FCF N/A
P/OCF 7.98
P/B 1.16
P/tB 1.34
EV/EBITDA 13.41
EPS(TTM)0.4
EY2.01%
EPS(NY)0.11
Fwd EY0.56%
FCF(TTM)-0.97
FCFYN/A
OCF(TTM)2.49
OCFY12.53%
SpS4.54
BVpS17.22
TBVpS14.91
PEG (NY)N/A
PEG (5Y)N/A
Graham Number12.45
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 0.89
F-Score5
WACC6.7%
ROIC/WACC0.2
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)281.82%
EPS 3YN/A
EPS 5Y-42.05%
EPS Q2Q%191.07%
EPS Next Y-72.23%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.27%
Revenue Next Year4.58%
Revenue Next 2YN/A
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 2 / 10 to CTO.


What is the valuation status for CTO stock?

ChartMill assigns a valuation rating of 1 / 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 PE and PB ratios for CTO stock?

The Price/Earnings (PE) ratio for CTO REALTY GROWTH INC (CTO) is 49.78 and the Price/Book (PB) ratio is 1.16.


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.