A Business at a Glance
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CTO Realty Growth, Inc.
CTO
$712M
Mkt Cap
$22.00
+0.87%
CTO Realty Growth, Inc. (CTO) has a current P/E ratio of 275.0, compared to its historical median P/E of 5.1. The stock is currently considered Expensive based on its historical valuation range.
CTO Realty Growth, Inc. (CTO) has a 5-year average return on invested capital (ROIC) of 2.4%. This is below average and may indicate limited pricing power.
CTO Realty Growth, Inc. (CTO) has a market capitalization of $732M. It is classified as a small-cap stock.
Yes, CTO Realty Growth, Inc. (CTO) pays a dividend with a trailing twelve-month yield of 6.77%. The company also returns capital through share buybacks, with a buyback yield of 1.28%.
Based on historical P/E analysis, CTO Realty Growth, Inc. (CTO) appears expensive. The current P/E of 275.0 is 5329% above its historical median of 5.1. The estimated fair value CAGR (P/E method) is -64.6%.
CTO Realty Growth, Inc. (CTO) operates in the Real Estate Investment Trusts industry, within the Real Estate sector.
CTO Realty Growth, Inc. (CTO) reported annual revenue of $150 million in its most recent fiscal year, based on SEC EDGAR filings.
DESCRIPTION OF BUSINESS We are a publicly traded, self-managed equity REIT that focuses on the ownership, management, and repositioning of high-quality retail and mixed-use properties located primarily in what we believe to be faster growing, business-friendly markets exhibiting accommodative business tax policies, outsized relative job and population growth, and where retail demand exceeds supply. We have pursued our investment strategy by investing primarily through fee simple ownership of our properties, commercial loans and preferred equity. As of December 31, 2025, we own and manage, sometimes utilizing third-party property management companies, 21 commercial real estate properties in 7 states in the United States, comprising 5.5 million square feet of gross leasable space.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 155M | 150M | 125M | 109M | 82M | 70M |
| Net Income | 6.5M | 10M | -8.8M | 5.5M | -1.6M | 28M |
| EPS | $0.21 | $0.31 | $-0.35 | $0.24 | $-0.09 | $0.52 |
| Free Cash Flow | 51M | 49M | 42M | 24M | -329M | -229M |
| ROIC | 2.8% | 2.8% | 1.7% | 2.6% | 1.3% | 3.5% |
| Gross Margin | 74.7% | 34.5% | 21.1% | 31.9% | 37.2% | 38.8% |
| Debt/Equity | 1.13 | 1.09 | 0.85 | 1.08 | 0.88 | 0.65 |
| Dividends/Share | $1.49 | $1.52 | $1.61 | $1.51 | $1.60 | $0.44 |
| Operating Income | 36M | 34M | 18M | 27M | 11M | 23M |
| Operating Margin | 23.5% | 22.7% | 14.1% | 24.3% | 13.0% | 33.2% |
| ROE | 1.1% | 1.7% | -1.6% | 1.1% | -0.3% | 7.1% |
| Shares Outstanding | 33M | 32M | 25M | 23M | 18M | 53M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 36M | 43M | 66M | 39M | 44M | N/A | 56M | 70M | 82M | 109M | 125M | 150M | 155M |
| Gross Margin | 54.6% | 87.7% | N/A | N/A | N/A | N/A | 39.2% | 38.8% | 37.2% | 31.9% | 21.1% | 34.5% | 74.7% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 7.0M | 8.8M | 10M | 10M | 9.8M | 9.8M | 12M | 11M | 13M | 14M | 16M | 19M | 19M |
| EBIT | 13M | 20M | 38M | 7.7M | 31M | 34M | 12M | 23M | 11M | 27M | 18M | 34M | 36M |
| Op. Margin | 34.9% | 47.1% | 57.6% | 20.0% | 71.9% | N/A | 21.8% | 33.2% | 13.0% | 24.3% | 14.1% | 22.7% | 23.5% |
| Net Income | 6.4M | 8.3M | 16M | 42M | 37M | 115M | 79M | 28M | -1.6M | 5.5M | -8.8M | 10M | 6.5M |
| Net Margin | 17.7% | 19.4% | 24.7% | 107.9% | 85.1% | N/A | 139.2% | 39.3% | -2.0% | 5.1% | -7.1% | 6.7% | 4.2% |
| Non-Recurring | 423K | 6.0M | 15M | 0 | 23M | 22M | 19M | 46M | -7.0M | 9.1M | 9.0M | 22M | 22M |
| Returns on Capital | |||||||||||||
| ROIC | 3.0% | 3.8% | 6.7% | 12.0% | 5.4% | 22.3% | 13.1% | 3.5% | 1.3% | 2.6% | 1.7% | 2.8% | 2.8% |
| ROE | 5.1% | 6.2% | 11.3% | 25.1% | 18.8% | 46.3% | 24.7% | 7.1% | -0.3% | 1.1% | -1.6% | 1.7% | 1.1% |
| ROA | 2.5% | 2.5% | 4.0% | 9.5% | 7.3% | 18.3% | 11.5% | 3.9% | -0.2% | 0.6% | -0.8% | 0.8% | 0.5% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 11M | 25M | 14M | 58M | 48M | 16M | 17M | 28M | 56M | 46M | 60M | 65M | 69M |
| Free Cash Flow | -31M | -86M | -78M | 57M | -66M | -171M | -179M | -229M | -329M | 24M | 42M | 49M | 51M |
| Owner Earnings | 6.6M | 18M | 3.2M | 44M | 30M | -2.1M | -4.9M | 3.8M | 24M | -1.5M | -8.8M | 427K | 3.0M |
| CapEx | 42M | 111M | 93M | 700K | 114M | 188M | 196M | 257M | 385M | 23M | 17M | 15M | 18M |
| Maint. CapEx | 3.5M | 5.2M | 7.9M | 12M | 16M | 16M | 19M | 21M | 29M | 44M | 65M | 60M | 62M |
| Growth CapEx | 39M | 106M | 85M | 0 | 98M | 172M | 177M | 236M | 356M | 0 | 0 | 0 | 0 |
| D&A | 3.5M | 5.2M | 7.9M | 12M | 16M | 16M | 19M | 21M | 29M | 44M | 65M | 60M | 62M |
| CapEx/OCF | 17.3% | 9.5% | 298.3% | 164.4% | 228.7% | 918.3% | N/A | N/A | N/A | 48.8% | 29.2% | 23.5% | 26.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 404K | 464K | 682K | 997K | 1.5M | 2.2M | 14M | 24M | 29M | 34M | 40M | 49M | 50M |
| Dividend Yield | 0.3% | 0.3% | 0.5% | 0.6% | 0.9% | 1.4% | 10.1% | 3.7% | 10.6% | 11.0% | 10.0% | 8.9% | 6.8% |
| Share Buybacks | 928K | 6.5M | 7.4M | 7.2M | 9.8M | 41M | 4.1M | 2.2M | 2.8M | 6.4M | 664K | 9.4M | 9.4M |
| Buyback Yield | 0.5% | 3.4% | 4.0% | 3.3% | 5.4% | 27.3% | 3.3% | 0.9% | 1.1% | 1.7% | 0.1% | 1.6% | 1.3% |
| Stock-Based Comp | 1.3M | 2.2M | 3.2M | 1.4M | 1.9M | 2.7M | 2.8M | 3.2M | 3.2M | 3.7M | 3.6M | 4.2M | 4.3M |
| Debt Repayment | 51M | 71M | 49M | 35M | 56M | 103M | 72M | 284M | 234M | 100M | 342M | 292M | 292M |
| Balance Sheet | |||||||||||||
| Net Debt | 177M | 200M | 187M | 190M | 245M | 317M | 293M | 270M | 426M | 485M | 510M | 610M | 641M |
| Cash & Equiv. | 1.9M | 4.1M | 7.3M | 6.1M | 2.3M | 6.5M | 4.3M | 8.6M | 19M | 10M | 9.0M | 6.5M | 8.3M |
| Long-Term Debt | 104M | 167M | 166M | 196M | 248M | 287M | 274M | 278M | 446M | 495M | 519M | 616M | 650M |
| Debt/Equity | 1.39 | 1.46 | 1.35 | 1.06 | 1.17 | 1.27 | 0.85 | 0.65 | 0.88 | 1.08 | 0.85 | 1.09 | 1.13 |
| Interest Coverage | 5.2 | 2.9 | 4.3 | 0.9 | 3.0 | 2.7 | 1.1 | 2.6 | 1.0 | 1.2 | 0.8 | 1.3 | 32.1 |
| Equity | 128M | 140M | 148M | 184M | 212M | 285M | 351M | 430M | 505M | 458M | 613M | 567M | 575M |
| Total Assets | 277M | 404M | 409M | 466M | 556M | 703M | 667M | 733M | 987M | 990M | 1.2B | 1.3B | 1.3B |
| Total Liabilities | 148M | 264M | 260M | 282M | 345M | 418M | 316M | 303M | 482M | 532M | 569M | 697M | 724M |
| Intangibles | 10M | -12M | 32M | 39M | 44M | 49M | 50M | 79M | 116M | 97M | 79M | 85M | 86M |
| Retained Earnings | 113M | 120M | 137M | 178M | 213M | 326M | 340M | 343M | 316M | 282M | 232M | 185M | 176M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | 128M | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3.9M |
| Per Share Data | |||||||||||||
| EPS | 0.37 | 0.48 | 0.95 | 2.49 | 2.24 | 7.67 | 4.42 | 0.52 | -0.09 | 0.24 | -0.35 | 0.31 | 0.21 |
| Owner EPS | 0.38 | 1.02 | 0.19 | 2.62 | 1.82 | -0.14 | -0.28 | 0.07 | 1.33 | -0.07 | -0.35 | 0.01 | 0.09 |
| Book Value | 7.38 | 8.02 | 8.67 | 11.01 | 12.76 | 19.03 | 19.77 | 8.11 | 27.99 | 20.21 | 24.43 | 17.53 | 17.28 |
| Cash Flow/Share | 0.65 | 1.44 | 0.84 | 3.44 | 2.88 | 1.09 | 0.95 | 0.52 | 3.11 | 2.05 | 2.39 | 2.00 | 2.05 |
| Dividends/Share | 0.02 | 0.03 | 0.04 | 0.06 | 0.09 | 0.15 | 0.82 | 0.44 | 1.60 | 1.51 | 1.61 | 1.52 | 1.49 |
| Shares Out. | 17.4M | 17.5M | 17.1M | 16.7M | 16.6M | 15.0M | 17.7M | 53.1M | 18.0M | 22.6M | 25.1M | 32.4M | 33.3M |
| Valuation | |||||||||||||
| P/E Ratio | 31.1 | 22.7 | 11.6 | 5.3 | 4.9 | 1.3 | 1.6 | 9.2 | N/A | 496.6 | N/A | 224.7 | 104.3 |
| P/FCF | N/A | N/A | N/A | 3.1 | N/A | N/A | N/A | N/A | N/A | 14.3 | 10.6 | 11.8 | 14.4 |
| EV/EBIT | 23.7 | 17.2 | 9.1 | 10.3 | 13.5 | 13.7 | 31.5 | 21.7 | 59.5 | 31.0 | 52.1 | 33.8 | 37.7 |
| Price/Book | 1.5 | 1.4 | 1.3 | 1.2 | 0.9 | 0.5 | 0.4 | 0.6 | 0.5 | 0.8 | 0.7 | 1.0 | 1.3 |
| Price/Sales | 4.4 | 4.6 | 2.4 | 2.2 | 4.8 | N/A | 2.0 | 3.1 | 3.3 | 3.2 | 3.2 | 3.7 | 4.7 |
| FCF Yield | -15.6% | -45.5% | -41.6% | 25.9% | -36.5% | -113.6% | -143.3% | -89.9% | -131.5% | 6.3% | 9.5% | 8.5% | 7.0% |
| Market Cap | 198M | 189M | 188M | 220M | 181M | 151M | 125M | 255M | 250M | 376M | 447M | 580M | 732M |
| Avg. Price | 7.50 | 9.25 | 8.25 | 9.39 | 10.34 | 10.44 | 8.09 | 12.13 | 15.14 | 13.75 | 16.00 | 16.98 | 22.00 |
| Year-End Price | 9.28 | 8.81 | 8.95 | 10.69 | 8.88 | 10.05 | 8.85 | 14.41 | 13.88 | 14.90 | 17.83 | 17.98 | 22.00 |
CTO Realty Growth, Inc. passes 2 of 9 quality checks, indicating weak fundamentals.
CTO Realty Growth, Inc. trades at 275.0x trailing earnings, compared to its 15-year median P/E of 5.1x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 14.5x vs a median of 11.2x. The company's 5-year average ROIC is 2.4% with a gross margin of 32.7%. Total shareholder yield (dividends + buybacks) is 8.0%. At current prices, the estimated annualized return to fair value is +11.5%.
CTO Realty Growth, Inc. (CTO) has a net profit margin of 6.7%. This is a modest margin.
CTO Realty Growth, Inc. (CTO) generated $49 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CTO Realty Growth, Inc. (CTO) has a debt-to-equity ratio of 1.09. This indicates moderate leverage.
CTO Realty Growth, Inc. (CTO) reported earnings per share (EPS) of $0.31 in its most recent fiscal year.
CTO Realty Growth, Inc. (CTO) has a return on equity (ROE) of 1.7%. This indicates moderate shareholder returns.
CTO Realty Growth, Inc. (CTO) has a 5-year average gross margin of 32.7%. This indicates decent pricing power.
The Ledger Terminal provides 16 years of financial data for CTO Realty Growth, Inc. (CTO), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CTO Realty Growth, Inc. (CTO) has a book value per share of $17.53, based on its most recent annual SEC filing.