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CTO REALTY GROWTH INC (CTO) Stock Fundamental Analysis

NYSE:CTO - New York Stock Exchange, Inc. - US22948Q1013 - REIT - Currency: USD

18  -0.47 (-2.54%)

After market: 18 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CTO. CTO was compared to 129 industry peers in the Diversified REITs industry. CTO has a bad profitability rating. Also its financial health evaluation is rather negative. 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

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2

1. Profitability

1.1 Basic Checks

In the past year CTO has reported negative net income.
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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M -200M

1.2 Ratios

Looking at the Return On Assets, with a value of -1.05%, CTO is doing worse than 68.22% of the companies in the same industry.
The Return On Equity of CTO (-2.20%) is worse than 65.12% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.96%, CTO is doing worse than 85.27% of the companies in the same industry.
CTO had an Average Return On Invested Capital over the past 3 years of 1.46%. This is in line with the industry average of 3.15%.
Industry RankSector Rank
ROA -1.05%
ROE -2.2%
ROIC 0.96%
ROA(3y)-0.28%
ROA(5y)2.94%
ROE(3y)-0.53%
ROE(5y)5.44%
ROIC(3y)1.46%
ROIC(5y)1.56%
CTO Yearly ROA, ROE, ROICCTO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40

1.3 Margins

CTO's Operating Margin of 9.41% is on the low side compared to the rest of the industry. CTO is outperformed by 79.84% of its industry peers.
CTO's Operating Margin has declined in the last couple of years.
The Gross Margin of CTO (73.87%) is better than 68.99% of its industry peers.
In the last couple of years the Gross Margin of CTO has declined.
Industry RankSector Rank
OM 9.41%
PM (TTM) N/A
GM 73.87%
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%
CTO Yearly Profit, Operating, Gross MarginsCTO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 100 150 200 250

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2

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CTO is destroying value.
The number of shares outstanding for CTO has been increased compared to 1 year ago.
The number of shares outstanding for CTO has been increased compared to 5 years ago.
The debt/assets ratio for CTO has been reduced compared to a year ago.
CTO Yearly Shares OutstandingCTO Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

CTO has an Altman-Z score of 0.89. This is a bad value and indicates that CTO is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.89, CTO is in the better half of the industry, outperforming 69.77% of the companies in the same industry.
A Debt/Equity ratio of 0.93 indicates that CTO is somewhat dependend on debt financing.
CTO has a Debt to Equity ratio of 0.93. This is in the better half of the industry: CTO outperforms 64.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.93
Debt/FCF N/A
Altman-Z 0.89
ROIC/WACC0.14
WACC7.08%
CTO Yearly LT Debt VS Equity VS FCFCTO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M

2.3 Liquidity

CTO has a Current Ratio of 0.18. 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 Current ratio of CTO (0.18) is worse than 90.70% of its industry peers.
A Quick Ratio of 0.18 indicates that CTO may have some problems paying its short term obligations.
The Quick ratio of CTO (0.18) is worse than 89.92% of its industry peers.
Industry RankSector Rank
Current Ratio 0.18
Quick Ratio 0.18
CTO Yearly Current Assets VS Current LiabilitesCTO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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5

3. Growth

3.1 Past

CTO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -174.55%.
Looking at the last year, CTO shows a quite strong growth in Revenue. The Revenue has grown by 17.48% in the last year.
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)-174.55%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-95%
Revenue 1Y (TTM)17.48%
Revenue growth 3Y21.01%
Revenue growth 5Y22.61%
Sales Q2Q%27.32%

3.2 Future

Based on estimates for the next years, CTO will show a very negative growth in Earnings Per Share. The EPS will decrease by -171.02% on average per year.
CTO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.81% yearly.
EPS Next Y-694.23%
EPS Next 2Y-171.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.48%
Revenue Next 2Y14.81%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
CTO Yearly Revenue VS EstimatesCTO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CTO. In the last year negative earnings were reported.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for CTO. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CTO Price Earnings VS Forward Price EarningsCTO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 -40

4.2 Price Multiples

CTO's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 14.85
CTO Per share dataCTO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 15

4.3 Compensation for Growth

CTO's earnings are expected to decrease with -171.02% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-171.02%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.30%, CTO is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.75, CTO pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, CTO pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.3%

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
CTO Yearly Dividends per shareCTO Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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.
DP-392.25%
EPS Next 2Y-171.02%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M -200M

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CTO REALTY GROWTH INC

NYSE:CTO (6/13/2025, 8:04:01 PM)

After market: 18 0 (0%)

18

-0.47 (-2.54%)

Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryDiversified REITs
Earnings (Last)05-01 2025-05-01/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners75.83%
Inst Owner Change-2.01%
Ins Owners3.85%
Ins Owner Change7.84%
Market Cap592.74M
Analysts86
Price Target22.15 (23.06%)
Short Float %3.28%
Short Ratio3.65
Dividend
Industry RankSector Rank
Dividend Yield 8.3%
Yearly Dividend1.73
Dividend Growth(5Y)71.47%
DP-392.25%
Div Incr Years0
Div Non Decr Years14
Ex-Date06-12 2025-06-12 (0.38)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4154.87%
Min EPS beat(2)-8412.68%
Max EPS beat(2)102.94%
EPS beat(4)3
Avg EPS beat(4)-1871.49%
Min EPS beat(4)-8412.68%
Max EPS beat(4)773.27%
EPS beat(8)7
Avg EPS beat(8)-753.93%
EPS beat(12)8
Avg EPS beat(12)-882.9%
EPS beat(16)11
Avg EPS beat(16)-413.09%
Revenue beat(2)2
Avg Revenue beat(2)3.31%
Min Revenue beat(2)0.59%
Max Revenue beat(2)6.02%
Revenue beat(4)4
Avg Revenue beat(4)3.67%
Min Revenue beat(4)0.59%
Max Revenue beat(4)6.02%
Revenue beat(8)7
Avg Revenue beat(8)4.57%
Revenue beat(12)11
Avg Revenue beat(12)6.19%
Revenue beat(16)14
Avg Revenue beat(16)8.63%
PT rev (1m)-1.3%
PT rev (3m)-3.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2424.71%
EPS NY rev (1m)-0.58%
EPS NY rev (3m)-1672.73%
Revenue NQ rev (1m)1.35%
Revenue NQ rev (3m)4.12%
Revenue NY rev (1m)0.72%
Revenue NY rev (3m)2.83%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 4.48
P/FCF N/A
P/OCF 8.73
P/B 1
P/tB 1.17
EV/EBITDA 14.85
EPS(TTM)-0.41
EYN/A
EPS(NY)-1.62
Fwd EYN/A
FCF(TTM)-5.51
FCFYN/A
OCF(TTM)2.06
OCFY11.46%
SpS4.01
BVpS18.03
TBVpS15.33
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.05%
ROE -2.2%
ROCE 1.06%
ROIC 0.96%
ROICexc 0.96%
ROICexgc 1.07%
OM 9.41%
PM (TTM) N/A
GM 73.87%
FCFM N/A
ROA(3y)-0.28%
ROA(5y)2.94%
ROE(3y)-0.53%
ROE(5y)5.44%
ROIC(3y)1.46%
ROIC(5y)1.56%
ROICexc(3y)1.48%
ROICexc(5y)1.58%
ROICexgc(3y)1.7%
ROICexgc(5y)1.82%
ROCE(3y)1.61%
ROCE(5y)1.74%
ROICexcg growth 3Y-27.84%
ROICexcg 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-Score4
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.93
Debt/FCF N/A
Debt/EBITDA 6.81
Cap/Depr 364.13%
Cap/Sales 188.62%
Interest Coverage 0.57
Cash Conversion 83.91%
Profit Quality N/A
Current Ratio 0.18
Quick Ratio 0.18
Altman-Z 0.89
F-Score4
WACC7.08%
ROIC/WACC0.14
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)-174.55%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-95%
EPS Next Y-694.23%
EPS Next 2Y-171.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.48%
Revenue growth 3Y21.01%
Revenue growth 5Y22.61%
Sales Q2Q%27.32%
Revenue Next Year21.48%
Revenue Next 2Y14.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-44.67%
EBIT growth 3Y-14.67%
EBIT growth 5Y-3.97%
EBIT Next Year223.75%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.59%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y25.75%
OCF growth 3Y35.98%
OCF growth 5Y33.41%