CTO Realty Growth (CTO) AI Stock Analysis

• Market Cap: $580.31M
• Dividend Yield: 8.63%
• Average Volume (3M): 354.47K
• Price to Earnings (P/E): 36.9
• Beta (1Y): 0.40
• Revenue Growth: 17.48%
• EPS Growth: -172.41%
• Country: US
• Employees: 37
• Sector: Real Estate
• Sector Strength: 61
• Industry: REIT - Diversified
• EPS (TTM): 0.01
• Shares Outstanding: 32,934,715
• 10 Day Avg. Volume: 283,716
• 30 Day Avg. Volume: 354,466
• PEG Ratio: 1.04
• Price to Book (P/B): 0.92
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.07
• Enterprise Value/Market Cap: 0.97
• Enterprise Value/Revenue: 1.14
• Enterprise Value/Gross Profit: 6.52
• Enterprise Value/Ebitda: 2.20
• 1Y Price Target: $22.00
• Price Target Upside: 24.86% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 64 Neutral
• Price Target: $19.00 ▲(7.83%Upside)

CTO Realty Growth is experiencing solid revenue growth and strong cash flow performance. The recent earnings call indicated robust leasing activities and investment strategy, which are positives. However, profitability challenges, technical weakness, and valuation issues due to a negative P/E ratio weigh on the overall score.

CTO Realty Growth Business Overview & Revenue Model

Company Description

CTO Realty Growth, Inc. is a Florida-based publicly traded real estate company, which owns income properties comprised of approximately 2.4 million square feet in diversified markets in the United States and an approximately 23.5% interest in Alpine Income Property Trust, Inc., a publicly traded net lease real estate investment trust (NYSE: PINE).

How the Company Makes Money

CTO Realty Growth generates revenue primarily through leasing commercial real estate properties to tenants, which provides a steady stream of rental income. The company also engages in strategic property sales and acquisitions to optimize its portfolio and enhance returns. Additionally, CTO may earn income from property management fees, and joint ventures or partnerships that leverage its expertise in real estate operations. The firm's careful selection of properties and diversified tenant base help mitigate risk and support consistent earnings.

CTO Realty Growth Financial Statement Overview

Summary

CTO Realty Growth is experiencing solid revenue growth but is facing profitability challenges, as reflected in its negative net income in 2024. The balance sheet indicates moderate leverage and a stable equity position, though increased debt levels are a risk factor. Cash flow metrics are a bright spot, with strong operating cash flow and improved free cash flow. Overall, the company shows growth potential, but profitability and debt management require attention.

Income Statement

CTO Realty Growth has shown a consistent increase in total revenue over the years, with a notable revenue growth rate of 14.09% from 2023 to 2024. However, the company reported a net loss in 2024, leading to a negative net profit margin of -7.05%. The EBIT margin remains positive at 14.14%, indicating operational efficiency, but the EBITDA margin is negative due to high depreciation and amortization expenses. Overall, the revenue growth is promising, but profitability issues impact the score.

Balance Sheet

The company's debt-to-equity ratio stands at 0.85, highlighting a moderate level of leverage. The return on equity has turned negative in 2024 due to net losses, indicating challenges in generating shareholder value. The equity ratio of 51.85% suggests a relatively balanced capital structure. While the balance sheet shows stability, the decrease in stockholders' equity and increased debt burden are concerns.

Cash Flow

CTO Realty Growth exhibited strong operating cash flow growth, with a significant increase from 2023 to 2024. The operating cash flow to net income ratio is robust, reflecting effective cash generation despite reported net losses. Free cash flow has improved significantly, showing a positive trajectory after previous deficits. The cash flow performance is strong, reflecting good liquidity management.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	124.52M	109.12M	82.32M	70.27M	56.38M
Gross Profit	91.30M	78.94M	59.46M	47.84M	41.17M
EBITDA	75.03M	71.70M	46.56M	36.64M	29.60M
Net Income	-1.97M	5.53M	3.16M	29.94M	78.51M
Balance Sheet
Total Assets	1.18B	989.67M	986.54M	733.14M	665.93M
Cash, Cash Equivalents and Short-Term Investments	48.68M	49.66M	61.37M	49.65M	34.86M
Total Debt	534.41M	506.23M	496.25M	278.27M	273.06M
Total Liabilities	568.85M	532.14M	481.77M	302.66M	315.03M
Stockholders Equity	612.80M	457.53M	504.77M	430.48M	350.90M
Cash Flow
Free Cash Flow	69.35M	46.42M	-257.83M	-228.80M	-150.88M
Operating Cash Flow	69.35M	46.42M	56.10M	27.58M	16.93M
Investing Cash Flow	-242.15M	-52.56M	-267.63M	-102.97M	-91.12M
Financing Cash Flow	172.35M	2.77M	201.38M	72.91M	-26.89M

CTO Realty Growth Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 17.62
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CTO, the sentiment is Neutral. The current price of 17.62 is above the 20-day moving average (MA) of 17.44, below the 50-day MA of 17.75, and below the 200-day MA of 18.30, indicating a neutral trend. The MACD of -0.07 indicates Negative momentum. The RSI at 51.11 is Neutral, neither overbought nor oversold. The STOCH value of 74.58 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CTO.

CTO Realty Growth Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OLP	74 Outperform	$506.17M	17.33	9.57%	7.68%	1.82%	-1.03%
GOOD	69 Neutral	$636.01M	47.65	7.51%	8.79%	3.01%	―
AHH	66 Neutral	$718.55M	124.39	3.05%	9.75%	-12.13%	-14.54%
Sector *	64 Neutral	$6.87B	17.44	-1.93%	6.95%	4.65%	-24.33%
CTO	64 Neutral	$580.31M	36.87	-1.05%	8.63%	17.48%	-172.41%
PKST	60 Neutral	$504.89M	―	-6.09%	6.55%	-8.41%	88.62%
BRSP	57 Neutral	$648.40M	―	-6.29%	12.83%	-14.92%	-3.27%

CTO Realty Growth Corporate Events

CTO Realty Growth Holds 2025 Annual Meeting

On June 18, 2025, CTO Realty Growth, Inc. held its 2025 Annual Meeting of Stockholders where key decisions were made, including the election of board members and the ratification of Grant Thornton LLP as the independent public accounting firm for 2025. Additionally, stockholders approved the executive compensation on a non-binding advisory basis, indicating continued support for the company’s leadership and strategic direction.

The most recent analyst rating on (CTO) stock is a Buy with a $22.00 price target. To see the full list of analyst forecasts on CTO Realty Growth stock, see the CTO Stock Forecast page.

CTO Realty Growth Reports Q1 2025 Financial Results

On May 1, 2025, CTO Realty Growth announced its financial results for the first quarter of 2025, highlighting a net income of $0.01 per diluted share and a core FFO of $0.46 per diluted share. The company acquired a property in Atlanta for $79.8 million and reported a 37.2% increase in cash rent spread from signed leases. Despite a decrease in net income compared to the previous year, the company reaffirmed its full-year guidance and reported strong leasing spreads and a solid pipeline, indicating robust operational fundamentals.