CTO REALTY GROWTH INC (CTO) Fundamental Analysis & Valuation

NYSE:CTO • US22948Q1013

19.55 USD
-0.22 (-1.11%)
At close: Mar 9, 2026
19.55 USD
0 (0%)
After Hours: 3/9/2026, 8:04:00 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

4

CTO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 123 industry peers in the Diversified REITs industry. There are concerns on the financial health of CTO while its profitability can be described as average. While showing a medium growth rate, CTO is valued expensive at the moment. Finally CTO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

1. CTO Profitability Analysis

1.1 Basic Checks

  • CTO had positive earnings in the past year.
  • In the past year CTO had a positive cash flow from operations.
  • In multiple years CTO reported negative net income over the last 5 years.
  • Each year in the past 5 years CTO 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 Return On Assets (0.20%) which is comparable to the rest of the industry.
  • The Return On Equity of CTO (0.45%) is comparable to the rest of the industry.
  • With a Return On Invested Capital value of 2.14%, CTO is not doing good in the industry: 60.98% of the companies in the same industry are doing better.
  • The Average Return On Invested Capital over the past 3 years for CTO is in line with the industry average of 3.14%.
  • 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

  • The Profit Margin of CTO (1.73%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of CTO has declined.
  • CTO has a Operating Margin of 22.12%. This is comparable to the rest of the industry: CTO outperforms 49.59% of its industry peers.
  • In the last couple of years the Operating Margin of CTO has grown nicely.
  • With a decent Gross Margin value of 74.64%, CTO is doing good in the industry, outperforming 69.92% of the companies in the same industry.
  • 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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
  • CTO has a worse debt/assets ratio than last year.
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

  • Based on the Altman-Z score of 0.93, we must say that CTO is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of CTO (0.93) is better than 71.54% 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 of 1.05. This is comparable to the rest of the industry: CTO outperforms 56.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF N/A
Altman-Z 0.93
ROIC/WACC0.33
WACC6.46%
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

  • CTO has a Current Ratio of 0.25. This is a bad value and indicates that CTO is not financially healthy enough and could expect problems in meeting its short term obligations.
  • CTO's Current ratio of 0.25 is on the low side compared to the rest of the industry. CTO is outperformed by 87.80% of its industry peers.
  • CTO has a Quick Ratio of 0.25. 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 (0.24) is worse than 84.55% of its industry peers.
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 422.73%, which is quite impressive.
  • CTO shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -35.01% yearly.
  • 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

  • The Earnings Per Share is expected to decrease by -55.37% on average over the next years. This is quite bad
  • The Revenue is expected to grow by 4.79% on average over the next years.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 27.54 indicates a quite expensive valuation of CTO.
  • Based on the Price/Earnings ratio, CTO is valued a bit cheaper than 67.48% of the companies in the same industry.
  • CTO's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.46.
  • A Price/Forward Earnings ratio of 141.63 indicates a quite expensive valuation of CTO.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CTO.
  • When comparing the Price/Forward Earnings ratio of CTO to the average of the S&P500 Index (24.65), we can say CTO is valued expensively.
Industry RankSector Rank
PE 27.54
Fwd PE 141.63
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

  • Based on the Enterprise Value to EBITDA ratio, CTO is valued a bit cheaper than 65.04% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 13.47
CTO Per share dataCTO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

  • A cheap valuation may be justified as CTO's earnings are expected to decrease with -55.37% in the coming years.
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 7.75%, CTO is a good candidate for dividend investing.
  • CTO's Dividend Yield is a higher than the industry average which is at 7.58.
  • Compared to an average S&P500 Dividend Yield of 1.82, CTO pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.75%

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

  • 2192.17% of the earnings are spent on dividend by CTO. This is not a sustainable payout ratio.
  • CTO's earnings are declining while the Dividend Rate has been growing. 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 (3/9/2026, 8:04:00 PM)

After market: 19.55 0 (0%)

19.55

-0.22 (-1.11%)

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 Owners65.65%
Inst Owner Change-2.34%
Ins Owners4.46%
Ins Owner Change8.27%
Market Cap636.55M
Revenue(TTM)149.54M
Net Income(TTM)2.58M
Analysts82
Price Target21.76 (11.3%)
Short Float %2.87%
Short Ratio3.18
Dividend
Industry RankSector Rank
Dividend Yield 7.75%
Yearly Dividend1.77
Dividend Growth(5Y)19.18%
DP2192.17%
Div Incr Years0
Div Non Decr Years14
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)-0.31%
PT rev (3m)1.59%
EPS NQ rev (1m)25%
EPS NQ rev (3m)25%
EPS NY rev (1m)24.25%
EPS NY rev (3m)24.25%
Revenue NQ rev (1m)1.34%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)2.18%
Revenue NY rev (3m)2.54%
Valuation
Industry RankSector Rank
PE 27.54
Fwd PE 141.63
P/S 4.26
P/FCF N/A
P/OCF 9.85
P/B 1.12
P/tB 1.32
EV/EBITDA 13.47
EPS(TTM)0.71
EY3.63%
EPS(NY)0.14
Fwd EY0.71%
FCF(TTM)-2.94
FCFYN/A
OCF(TTM)1.98
OCFY10.15%
SpS4.59
BVpS17.42
TBVpS14.82
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.68
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 0.93
F-Score8
WACC6.46%
ROIC/WACC0.33
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)422.73%
EPS 3YN/A
EPS 5Y-35.01%
EPS Q2Q%246.43%
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%7.27%
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 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.


What is the profitability of CTO stock?

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


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

The Price/Earnings (PE) ratio for CTO REALTY GROWTH INC (CTO) is 27.54 and the Price/Book (PB) ratio is 1.12.


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.