CTO REALTY GROWTH INC (CTO) Fundamental Analysis & Valuation

NYSE:CTO • US22948Q1013

Current stock price

20.25 USD
-0.18 (-0.88%)
At close:
20.25 USD
0 (0%)
After Hours:

This CTO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

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.
  • CTO had a positive operating cash flow in each 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 2025 0 100M -100M -200M

1.2 Ratios

  • CTO has a Return On Assets of 0.20%. This is comparable to the rest of the industry: CTO outperforms 42.98% of its industry peers.
  • CTO has a Return On Equity of 0.45%. This is comparable to the rest of the industry: CTO outperforms 42.98% of its industry peers.
  • The Return On Invested Capital of CTO (2.14%) is worse than 61.16% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CTO 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 RankSector 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%
CTO Yearly ROA, ROE, ROICCTO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30 40

1.3 Margins

  • With a Profit Margin value of 1.73%, CTO perfoms like the industry average, outperforming 44.63% of the companies in the same 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 48.76% 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 69.42% 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 RankSector 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%
CTO Yearly Profit, Operating, Gross MarginsCTO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 100 150 200 250

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1

2. CTO Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CTO is destroying value.
  • Compared to 1 year ago, CTO has more shares outstanding
  • The number of shares outstanding for CTO has been increased compared to 5 years ago.
  • The debt/assets ratio for CTO is higher compared to a year ago.
CTO Yearly Shares OutstandingCTO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • CTO has an Altman-Z score of 0.95. This is a bad value and indicates that CTO is not financially healthy and even has some risk of bankruptcy.
  • CTO has a better Altman-Z score (0.95) than 70.25% of its industry peers.
  • A Debt/Equity ratio of 1.05 is on the high side and indicates that CTO has dependencies on debt financing.
  • With a Debt to Equity ratio value of 1.05, CTO perfoms like the industry average, outperforming 57.85% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF N/A
Altman-Z 0.95
ROIC/WACC0.32
WACC6.73%
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 2025 0 200M -200M 400M 600M

2.3 Liquidity

  • A Current Ratio of 0.25 indicates that CTO may have some problems paying its short term obligations.
  • The Current ratio of CTO (0.25) is worse than 87.60% of its industry peers.
  • 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 84.30% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.25
Quick Ratio 0.24
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 2025 20M 40M 60M

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

5

3. CTO Growth Analysis

3.1 Past

  • CTO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 407.32%, which is quite impressive.
  • The earnings per share for CTO have been decreasing by -35.01% on average. This is quite bad
  • CTO shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.10%.
  • Measured over the past years, CTO shows a very strong growth in Revenue. The Revenue has been growing by 21.54% on average per year.
EPS 1Y (TTM)407.32%
EPS 3YN/A
EPS 5Y-35.01%
EPS Q2Q%5500%
Revenue 1Y (TTM)20.1%
Revenue growth 3Y22.02%
Revenue growth 5Y21.54%
Sales Q2Q%14.96%

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.
  • CTO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.79% yearly.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
CTO Yearly Revenue VS EstimatesCTO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 0 2 4 6

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2

4. CTO Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.07 indicates a correct valuation of CTO.
  • CTO's Price/Earnings ratio is rather cheap when compared to the industry. CTO is cheaper than 90.91% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, CTO is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 143.21 indicates a quite expensive valuation of CTO.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CTO.
  • The average S&P500 Price/Forward Earnings ratio is at 21.75. CTO is valued rather expensively when compared to this.
Industry RankSector Rank
PE 16.07
Fwd PE 143.21
CTO Price Earnings VS Forward Price EarningsCTO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100

4.2 Price Multiples

  • CTO's Enterprise Value to EBITDA is on the same level as the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 13.7
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 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

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

7

5. CTO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.44%, CTO is a good candidate for dividend investing.
  • CTO's Dividend Yield is a higher than the industry average which is at 7.44.
  • CTO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.44%

5.2 History

  • On average, the dividend of CTO grows each year by 19.18%, 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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)19.18%
Div Incr Years0
Div Non Decr Years15
CTO Yearly Dividends per shareCTO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 2192.17% of the earnings are spent on dividend by CTO. This is not a sustainable payout ratio.
  • The Dividend Rate of CTO has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP2192.17%
EPS Next 2Y-55.37%
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 2025 0 100M -100M -200M
CTO Dividend Payout.CTO Dividend Payout, showing the Payout Ratio.CTO Dividend Payout.PayoutRetained Earnings

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CTO Fundamentals: All Metrics, Ratios and Statistics

CTO REALTY GROWTH INC

NYSE:CTO (4/30/2026, 7:37:50 PM)

After market: 20.25 0 (0%)

20.25

-0.18 (-0.88%)

Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryDiversified REITs
Industry Strength41.61
Industry Growth29.81
Earnings (Last)04-28
Earnings (Next)07-27
Inst Owners65.76%
Inst Owner Change-2.34%
Ins Owners4.47%
Ins Owner Change7.65%
Market Cap659.34M
Revenue(TTM)149.54M
Net Income(TTM)2.58M
Analysts82
Price Target22.44 (10.81%)
Short Float %2.19%
Short Ratio2.79
Dividend
Industry RankSector Rank
Dividend Yield 7.44%
Yearly Dividend1.77
Dividend Growth(5Y)19.18%
DP2192.17%
Div Incr Years0
Div Non Decr Years15
Ex-Date03-12
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)3.13%
PT rev (3m)3.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)25%
EPS NY rev (1m)0%
EPS NY rev (3m)24.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.18%
Valuation
Industry RankSector Rank
PE 16.07
Fwd PE 143.21
P/S 4.41
P/FCF N/A
P/OCF 10.21
P/B 1.16
P/tB 1.37
EV/EBITDA 13.7
EPS(TTM)1.26
EY6.22%
EPS(NY)0.14
Fwd EY0.7%
FCF(TTM)-2.94
FCFYN/A
OCF(TTM)1.98
OCFY9.8%
SpS4.59
BVpS17.42
TBVpS14.82
PEG (NY)N/A
PEG (5Y)N/A
Graham Number22.2258 (9.76%)
Profitability
Industry RankSector 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 RankSector 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 0.95
F-Score8
WACC6.73%
ROIC/WACC0.32
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)407.32%
EPS 3YN/A
EPS 5Y-35.01%
EPS Q2Q%5500%
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%14.96%
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 Fundamental Analysis 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.


How profitable is CTO REALTY GROWTH INC (CTO) stock?

CTO REALTY GROWTH INC (CTO) has a profitability rating of 5 / 10.


What is the earnings growth outlook for CTO REALTY GROWTH INC?

The Earnings per Share (EPS) of CTO REALTY GROWTH INC (CTO) is expected to decline by -80.56% in the next year.


Is the dividend of CTO REALTY GROWTH INC sustainable?

The dividend rating of CTO REALTY GROWTH INC (CTO) is 7 / 10 and the dividend payout ratio is 2192.17%.