CTO REALTY GROWTH INC (CTO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CTO - US22948Q1013 - REIT
17.71 USD
-0.01 (-0.06%)
Taking everything into account, CTO scores 3 out of 10 in our fundamental rating. CTO was compared to 128 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.
1. Profitability
1.1 Basic Checks
In the past year CTO has reported negative net income.
CTO had a positive operating cash flow in the past year.
In multiple years CTO reported negative net income over the last 5 years.
In the past 5 years CTO always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of CTO (-3.34%) is worse than 78.13% of its industry peers.
Looking at the Return On Equity, with a value of -7.34%, CTO is doing worse than 72.66% of the companies in the same industry.
CTO has a worse Return On Invested Capital (1.31%) than 79.69% 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 Rank | Sector 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%
1.3 Margins
CTO has a Operating Margin of 11.63%. This is in the lower half of the industry: CTO underperforms 70.31% of its industry peers.
CTO's Operating Margin has declined in the last couple of years.
With a decent Gross Margin value of 74.48%, CTO is doing good in the industry, outperforming 71.09% of the companies in the same industry.
In the last couple of years the Gross Margin of CTO has declined.
| Industry Rank | Sector 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%
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.
Compared to 1 year ago, CTO has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.85, we must say that CTO is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of CTO (0.85) is better than 70.31% 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 58.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.85 |
ROIC/WACC0.19
WACC6.75%
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 88.28% 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.
With a Quick ratio value of 0.28, CTO is not doing good in the industry: 87.50% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.29 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
The earnings per share for CTO have decreased strongly by -213.56% in the last year.
The Revenue has grown by 23.84% in the past year. This is a very strong growth!
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
Based on estimates for the next years, CTO will show a quite strong growth in Revenue. The Revenue will grow by 12.91% on average per year.
EPS Next Y-258.09%
EPS Next 2Y58.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.25%
Revenue Next 2Y12.91%
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.
4. Valuation
4.1 Price/Earnings Ratio
CTO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 159.41 indicates a quite expensive valuation of CTO.
The rest of the industry has a similar Price/Forward Earnings ratio as CTO.
CTO is valuated expensively when we compare the Price/Forward Earnings ratio to 24.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 159.41 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CTO is valued a bit cheaper than the industry average as 65.63% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 12.89 |
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
5. Dividend
5.1 Amount
CTO has a Yearly Dividend Yield of 8.21%, which is a nice return.
Compared to an average industry Dividend Yield of 6.33, CTO pays a better dividend. On top of this CTO pays more dividend than 81.25% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, CTO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.21% |
5.2 History
The dividend of CTO is nicely growing with an annual growth rate of 71.47%!
CTO has paid a dividend for at least 10 years, which is 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
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.
CTO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP-138.11%
EPS Next 2Y58.27%
EPS Next 3YN/A
NYSE:CTO (12/23/2025, 11:24:47 AM)
17.71
-0.01 (-0.06%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryDiversified REITs
Earnings (Last)
Earnings (Next)
Inst Owners67.25%
Inst Owner Change-0.28%
Ins Owners4.05%
Ins Owner Change1.54%
Market Cap573.27M
Revenue(TTM)146.95M
Net Income(TTM)-40.88M
Analysts84
Price Target21.42 (20.95%)
Short Float %4.34%
Short Ratio4.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.21% |
Yearly Dividend1.73
Dividend Growth(5Y)71.47%
DP-138.11%
Div Incr Years0
Div Non Decr Years14
Ex-Date
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)-0.4%
PT rev (3m)-0.4%
EPS NQ rev (1m)100%
EPS NQ rev (3m)100%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.52%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-0.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 159.41 | ||
| P/S | 3.9 | ||
| P/FCF | N/A | ||
| P/OCF | 7.1 | ||
| P/B | 1.03 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | 12.89 |
EPS(TTM)-0.67
EYN/A
EPS(NY)0.11
Fwd EY0.63%
FCF(TTM)-0.97
FCFYN/A
OCF(TTM)2.49
OCFY14.08%
SpS4.54
BVpS17.22
TBVpS14.91
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.85 |
F-Score5
WACC6.75%
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-258.09%
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 Year22.25%
Revenue Next 2Y12.91%
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 of CTO REALTY GROWTH INC (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.
How financially healthy is CTO REALTY GROWTH INC?
The financial health rating of CTO REALTY GROWTH INC (CTO) is 1 / 10.
Can you provide the dividend sustainability for CTO stock?
The dividend rating of CTO REALTY GROWTH INC (CTO) is 7 / 10 and the dividend payout ratio is -138.11%.