CTO REALTY GROWTH INC (CTO) Fundamental Analysis & Valuation

NYSE:CTO • US22948Q1013

19.62 USD
-0.13 (-0.66%)
At close: Mar 5, 2026
19.62 USD
0 (0%)
After Hours: 3/5/2026, 6:30:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

Overall CTO gets a fundamental rating of 3 out of 10. We evaluated CTO against 122 industry peers in the Diversified REITs industry. Both the profitability and financial health of CTO have multiple concerns. CTO is quite expensive at the moment. It does show a decent growth rate. Finally CTO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. CTO Profitability Analysis

1.1 Basic Checks

  • In the past year CTO was profitable.
  • CTO had a positive operating cash flow in the past year.
  • In multiple years CTO reported negative net income over the last 5 years.
  • Of the past 5 years CTO 4 years 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 2025 0 100M -100M -200M

1.2 Ratios

  • CTO has a worse Return On Assets (-3.34%) than 77.87% of its industry peers.
  • With a Return On Equity value of -7.34%, CTO is not doing good in the industry: 71.31% of the companies in the same industry are doing better.
  • With a Return On Invested Capital value of 1.15%, CTO is not doing good in the industry: 78.69% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -3.34%
ROE -7.34%
ROIC 1.15%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
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

  • CTO's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 11.63%, CTO is doing worse than 68.85% of the companies in the same industry.
  • CTO's Operating Margin has improved in the last couple of years.
  • CTO has a better Gross Margin (74.48%) than 68.85% of its industry peers.
  • CTO's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 11.63%
PM (TTM) N/A
GM 74.48%
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

  • 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 0.91, we must say that CTO is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of CTO (0.91) is better than 68.85% 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.
  • The Debt to Equity ratio of CTO (1.05) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF N/A
Altman-Z 0.91
ROIC/WACC0.17
WACC6.68%
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.
  • The Current ratio of CTO (0.29) is worse than 88.52% 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 86.07% of its industry peers.
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

4

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 422.73%, which is quite impressive.
  • 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%.
  • The Revenue has been growing by 21.54% on average over the past years. This is a very strong growth!
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

  • 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-84.35%
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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2

4. CTO Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 27.63, CTO can be considered very expensive at the moment.
  • CTO's Price/Earnings ratio is a bit cheaper when compared to the industry. CTO is cheaper than 67.21% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CTO to the average of the S&P500 Index (26.74), we can say CTO is valued inline with the index average.
  • A Price/Forward Earnings ratio of 176.60 indicates a quite expensive valuation of CTO.
  • 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 24.82, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 27.63
Fwd PE 176.6
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 64.75% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 13.61
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. CTO Dividend Analysis

5.1 Amount

  • CTO has a Yearly Dividend Yield of 7.78%, which is a nice return.
  • CTO's Dividend Yield is rather good when compared to the industry average which is at 7.03. CTO pays more dividend than 81.15% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, CTO pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.78%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)19.18%
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 2026 0.5 1 1.5

5.3 Sustainability

  • CTO has negative earnings and hence a negative payout ratio. The dividend may be in danger.
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 2025 0 100M -100M -200M

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CTO Fundamentals: All Metrics, Ratios and Statistics

CTO REALTY GROWTH INC

NYSE:CTO (3/5/2026, 6:30:00 PM)

After market: 19.62 0 (0%)

19.62

-0.13 (-0.66%)

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-2.34%
Ins Owners4.05%
Ins Owner Change8.27%
Market Cap635.10M
Revenue(TTM)149.54M
Net Income(TTM)-40.88M
Analysts82.22
Price Target21.76 (10.91%)
Short Float %2.87%
Short Ratio3.18
Dividend
Industry RankSector Rank
Dividend Yield 7.78%
Yearly Dividend1.77
Dividend Growth(5Y)19.18%
DP-138.11%
Div Incr Years0
Div Non Decr Years14
Ex-Date03-12
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)1.99%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)100%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.91%
Valuation
Industry RankSector Rank
PE 27.63
Fwd PE 176.6
P/S 4.32
P/FCF N/A
P/OCF 7.87
P/B 1.14
P/tB 1.32
EV/EBITDA 13.61
EPS(TTM)0.71
EY3.62%
EPS(NY)0.11
Fwd EY0.57%
FCF(TTM)-0.97
FCFYN/A
OCF(TTM)2.49
OCFY12.71%
SpS4.54
BVpS17.22
TBVpS14.91
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.58
Profitability
Industry RankSector Rank
ROA -3.34%
ROE -7.34%
ROCE 1.45%
ROIC 1.15%
ROICexc 1.16%
ROICexgc 1.26%
OM 11.63%
PM (TTM) N/A
GM 74.48%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
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-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 0.91
F-Score5
WACC6.68%
ROIC/WACC0.17
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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-84.35%
EPS Next 2YN/A
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 Year4.58%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-27.63%
EBIT growth 3Y23.15%
EBIT growth 5Y25.7%
EBIT Next Year210.75%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y81.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y53.87%
OCF growth 3YN/A
OCF growth 5YN/A

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 3 / 10.


Can you provide the PE and PB ratios for CTO stock?

The Price/Earnings (PE) ratio for CTO REALTY GROWTH INC (CTO) is 27.63 and the Price/Book (PB) ratio is 1.14.


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.