CTO REALTY GROWTH INC (CTO) Stock Fundamental Analysis

NYSE:CTO • US22948Q1013

19.48 USD
-0.05 (-0.26%)
At close: Feb 27, 2026
19.48 USD
0 (0%)
After Hours: 2/27/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall CTO gets a fundamental rating of 3 out of 10. We evaluated CTO against 123 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. Profitability

1.1 Basic Checks

  • CTO had positive earnings in the past year.
  • 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 2025 0 100M -100M -200M

1.2 Ratios

  • CTO has a worse Return On Assets (-3.34%) than 77.24% of its industry peers.
  • CTO's Return On Equity of -7.34% is on the low side compared to the rest of the industry. CTO is outperformed by 71.54% of its industry peers.
  • With a Return On Invested Capital value of 1.15%, CTO is not doing good in the industry: 79.67% 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

  • In the last couple of years the Profit Margin of CTO has declined.
  • Looking at the Operating Margin, with a value of 11.63%, CTO is doing worse than 68.29% of the companies in the same industry.
  • CTO's Operating Margin has improved in the last couple of years.
  • CTO's Gross Margin of 74.48% is fine compared to the rest of the industry. CTO outperforms 69.11% 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • CTO has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • CTO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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 0.90, we must say that CTO is in the distress zone and has some risk of bankruptcy.
  • CTO has a better Altman-Z score (0.90) than 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.
  • Looking at the Debt to Equity ratio, with a value of 1.05, CTO is in line with its industry, outperforming 57.72% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF N/A
Altman-Z 0.9
ROIC/WACC0.17
WACC6.64%
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.
  • CTO has a worse Current ratio (0.29) than 88.62% of its industry peers.
  • 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.
  • The Quick ratio of CTO (0.28) is worse than 86.18% 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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 422.73% over the past year.
  • 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%.
  • 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. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 27.44, CTO can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, CTO is valued a bit cheaper than 65.04% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CTO to the average of the S&P500 Index (27.10), we can say CTO is valued inline with the index average.
  • The Price/Forward Earnings ratio is 175.34, which means the current valuation is very expensive for CTO.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CTO.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, CTO is valued quite expensively.
Industry RankSector Rank
PE 27.44
Fwd PE 175.34
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

  • Based on the Enterprise Value to EBITDA ratio, CTO is valued a bit cheaper than 65.85% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 13.52
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

More info and screens

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

7

5. Dividend

5.1 Amount

  • CTO has a Yearly Dividend Yield of 7.78%, which is a nice return.
  • Compared to an average industry Dividend Yield of 7.15, CTO pays a better dividend. On top of this CTO pays more dividend than 81.30% 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 7.78%

5.2 History

  • The dividend of CTO is nicely growing with an annual growth rate of 19.18%!
  • 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 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 REALTY GROWTH INC

NYSE:CTO (2/27/2026, 8:04:00 PM)

After market: 19.48 0 (0%)

19.48

-0.05 (-0.26%)

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 Change8.26%
Market Cap630.57M
Revenue(TTM)149.54M
Net Income(TTM)-40.88M
Analysts82.22
Price Target21.76 (11.7%)
Short Float %3.19%
Short Ratio3.55
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 27.44
Fwd PE 175.34
P/S 4.29
P/FCF N/A
P/OCF 7.81
P/B 1.13
P/tB 1.31
EV/EBITDA 13.52
EPS(TTM)0.71
EY3.64%
EPS(NY)0.11
Fwd EY0.57%
FCF(TTM)-0.97
FCFYN/A
OCF(TTM)2.49
OCFY12.8%
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 0.9
F-Score5
WACC6.64%
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 2 / 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 PE and PB ratios for CTO stock?

The Price/Earnings (PE) ratio for CTO REALTY GROWTH INC (CTO) is 27.44 and the Price/Book (PB) ratio is 1.13.


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.