CTO Realty Growth (CTO) AI Stock Analysis

• Market Cap: $560.36M
• Dividend Yield: 8.64%
• Average Volume (3M): 314.85K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.35
• Revenue Growth: 23.84%
• EPS Growth: -312.04%
• Country: US
• Employees: 37
• Sector: Real Estate
• Sector Strength: 53
• Industry: REIT - Diversified
• EPS (TTM): 0.03
• Shares Outstanding: 32,372,290
• 10 Day Avg. Volume: 313,891
• 30 Day Avg. Volume: 314,853
• PEG Ratio: 0.22
• Price to Book (P/B): 0.82
• Price to Sales (P/S): 4.01
• P/FCF Ratio: 7.21
• Enterprise Value/Market Cap: 2.02
• Enterprise Value/Revenue: 7.72
• Enterprise Value/Gross Profit: 10.36
• Enterprise Value/Ebitda: 46.64
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): -0.77
• Revenue Forecast (FY): $149.27M

• Rating: 66 Neutral
• Price Target: $18.00 ▲(10.43% Upside)

CTO Realty Growth's overall score is driven by strong leasing activity and positive financial guidance from the earnings call, despite profitability challenges and high leverage. Technical indicators show moderate bullish momentum, while valuation concerns persist due to negative earnings, offset by a high dividend yield.

CTO Realty Growth Business Overview & Revenue Model

Company Description

CTO Realty Growth (CTO) is a real estate investment trust (REIT) focused on acquiring, owning, and managing a diversified portfolio of commercial properties, primarily in the retail and service sectors. The company operates through a strategic approach to property investment, targeting high-quality assets that generate stable cash flows. CTO is committed to enhancing shareholder value through prudent property management and disciplined capital allocation.

How the Company Makes Money

CTO Realty Growth generates revenue primarily through rental income from its portfolio of commercial properties. The company leases its properties to various tenants, which provide a steady stream of cash flow. Additionally, CTO may engage in property sales and acquisitions, allowing for capital appreciation and potential gains from increased property values. The company's revenue model is supported by long-term lease agreements, which provide predictability in earnings. Furthermore, CTO may benefit from partnerships with property management firms that enhance operational efficiency and tenant relations, contributing to its overall profitability.

CTO Realty Growth Financial Statement Overview

Summary

CTO Realty Growth shows positive revenue growth and strong gross margins, but faces profitability challenges with a negative net profit margin and high leverage typical for the REIT industry. Cash flow management is strong, with efficient cash conversion despite negative net income.

Income Statement

CTO Realty Growth shows a positive revenue growth trend with a 4.22% increase in TTM, indicating expanding operations. However, the company is currently facing profitability challenges, as evidenced by a negative net profit margin of -22.69% and a negative EBIT margin. The gross profit margin remains strong at 74.48%, suggesting efficient cost management at the gross level, but the negative net income highlights issues at the operating and net levels.

Balance Sheet

The balance sheet reflects a stable equity position with a debt-to-equity ratio of 1.11, which is relatively high but manageable within the REIT industry. The return on equity is negative, indicating challenges in generating returns for shareholders. The equity ratio is not explicitly provided, but the overall leverage suggests a cautious approach to debt management is necessary.

Cash Flow

CTO Realty Growth demonstrates strong cash flow management with a positive free cash flow growth rate of 5.60% in TTM. The operating cash flow to net income ratio is robust, indicating effective cash generation relative to reported earnings. The free cash flow to net income ratio of 1.0 suggests that the company is converting its earnings into cash efficiently, despite the negative net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	146.95M	124.52M	109.12M	82.32M	70.27M	56.38M
Gross Profit	109.45M	91.30M	78.94M	59.46M	47.84M	41.17M
EBITDA	24.32M	75.03M	71.70M	46.56M	36.64M	29.60M
Net Income	-33.34M	-1.97M	5.53M	3.16M	29.94M	78.51M
Balance Sheet
Total Assets	1.22B	1.18B	989.67M	986.54M	733.14M	665.93M
Cash, Cash Equivalents and Short-Term Investments	44.30M	48.68M	49.66M	61.37M	49.65M	34.86M
Total Debt	619.20M	534.41M	506.23M	455.53M	284.07M	298.24M
Total Liabilities	665.10M	568.85M	532.14M	481.77M	302.66M	315.03M
Stockholders Equity	557.25M	612.80M	457.53M	504.77M	430.48M	350.90M
Cash Flow
Free Cash Flow	81.25M	69.35M	46.42M	-257.83M	-228.80M	-150.88M
Operating Cash Flow	81.25M	69.35M	46.42M	56.10M	27.58M	16.93M
Investing Cash Flow	-122.12M	-242.15M	-52.56M	-267.63M	-102.97M	-91.12M
Financing Cash Flow	48.57M	172.35M	2.77M	201.38M	72.91M	-26.89M

CTO Realty Growth Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CTO, the sentiment is Positive. The current price of 16.3 is below the 20-day moving average (MA) of 16.54, below the 50-day MA of 16.33, and below the 200-day MA of 17.16, indicating a bullish trend. The MACD of 0.36 indicates Negative momentum. The RSI at 75.19 is Negative, neither overbought nor oversold. The STOCH value of 90.18 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CTO.

CTO Realty Growth Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CTO	66 Neutral	$560.36M	―	-5.80%	8.64%	23.84%	-312.04%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
OLP	60 Neutral	$434.81M	15.57	10.91%	8.70%	7.71%	-5.37%
GOOD	59 Neutral	$535.59M	59.51	5.96%	10.68%	4.95%	-6.49%
AHH	56 Neutral	$510.58M	47.12	4.09%	9.72%	-39.94%	―
PKST	56 Neutral	$552.23M	―	-31.72%	5.42%	-16.50%	-640.43%
FVR	55 Neutral	$365.29M	-11.34	―	6.31%	―	―

CTO Realty Growth Corporate Events

CTO Realty Growth Reports Q3 2025 Earnings and Raises Outlook

CTO Realty Growth, Inc. is a publicly traded real estate investment trust that specializes in owning and operating retail-based properties primarily in high-growth markets across the United States. In its third-quarter 2025 earnings report, CTO Realty Growth announced a modest increase in its full-year financial outlook and highlighted a strengthened balance sheet through a $150 million term loan financing. The company reported a net income of $0.03 per diluted share and an increase in Core Funds from Operations (FFO) and Adjusted Funds from Operations (AFFO) per diluted share, despite a decrease in net income compared to the previous year. Key financial metrics included a 2.3% increase in Same-Property Net Operating Income (NOI) and a 94.2% leased occupancy rate. Additionally, the company repurchased 571,473 shares of common stock and maintained a liquidity position of $170.3 million. Looking ahead, CTO Realty Growth remains optimistic about its growth prospects, supported by ongoing lease negotiations and a $5.5 million signed-not-open pipeline expected to drive future NOI.

CTO Realty Growth’s Earnings Call Highlights Positive Outlook

CTO Realty Growth, Inc. recently held its earnings call, projecting a generally positive outlook. The company showcased strong leasing activity and financial performance, which helped to outweigh challenges such as certain vacancies and elevated tenant improvement costs.

CTO Realty Growth Q3 2025 Financial Results Released

On October 28, 2025, CTO Realty Growth announced its financial results for the third quarter of 2025, reporting a net income of $0.03 per diluted share and a 2.3% increase in same-property NOI compared to the previous year. The company strengthened its balance sheet with a $150 million term loan financing and repurchased shares worth $9.3 million. Despite a decrease in net income attributable to common stockholders, the company increased its full-year Core FFO and AFFO guidance, reflecting strong operational performance and leasing results.

The most recent analyst rating on (CTO) stock is a Hold with a $17.00 price target. To see the full list of analyst forecasts on CTO Realty Growth stock, see the CTO Stock Forecast page.

CTO Realty Growth Secures $150 Million Term Loan

On September 25, 2025, CTO Realty Growth, Inc. announced the successful closing of $150 million in term loan financing, which includes a new $125 million term loan due September 2030 and a $25 million upsizing of the existing term loan due September 2029. This transaction enhances the company’s liquidity to approximately $165 million, extends its debt maturity profile, and provides flexibility to pursue investments in high-quality shopping center assets, aligning with its long-term strategy.

The most recent analyst rating on (CTO) stock is a Hold with a $17.00 price target. To see the full list of analyst forecasts on CTO Realty Growth stock, see the CTO Stock Forecast page.

CTO Realty Growth Announces New $10M Stock Buyback

On September 24, 2025, CTO Realty Growth, Inc. announced the approval of a new $10 million common stock repurchase program by its Board of Directors. This new program follows the completion of a previous $5 million repurchase initiative, under which approximately $4.3 million of common stock was repurchased over the past 60 days. The new program allows for repurchases in open market transactions, block purchases, and privately negotiated transactions, providing flexibility in execution. This move is expected to enhance shareholder value and reflects the company’s confidence in its financial position and future prospects.

The most recent analyst rating on (CTO) stock is a Hold with a $17.00 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 Q2 2025 Results

CTO Realty Growth, Inc. is a real estate investment trust that owns and operates retail-based properties primarily in high-growth markets across the United States. The company also manages and holds a significant interest in Alpine Income Property Trust, Inc., a net lease REIT.

Cto Realty Growth Highlights Strong Leasing and Strategic Progress in Earnings Call

During the recent earnings call, Cto Realty Growth, Inc. expressed a generally positive sentiment, highlighting strong leasing momentum and strategic advancements in managing anchor spaces and potential acquisitions. Despite facing challenges such as temporary occupancy declines and impacts from debt settlements, the company remains optimistic about future earnings, thanks to its robust leasing activities and strategic planning.