CTO Realty Growth, Inc.
CTO · Price history
Price at last available close
$19.03
−$1.62 (-7.85%) 1M
2026-10-28
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Company & revenue
About CTO Realty Growth, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
CTO Realty Growth, Inc., a publicly traded real estate enterprise headquartered in Florida, manages a diverse portfolio of income-generating properties. These assets span various markets throughout the United States, collectively encompassing around 2. 4 million square feet.
How they make money
CTO Realty Growth, Inc. operates as a self-managed equity REIT that generates revenue primarily through rental income from a portfolio of high-quality retail and mixed-use properties. Additionally, the company earns fee-based management income through its external management of Alpine Income Property Trust, Inc. (PINE) and generates returns from commercial real estate loans and investments.
Products & services
Ownership and operation of shopping centers and mixed-use commercial real estate properties, alongside external management services for net lease REITs and investment in real estate-related debt.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Third-party property management companies — The company utilizes various third-party property management companies to assist in the operation of its commercial real estate portfolio.Source
Business relationships & partnerships
- Alpine Income Property Trust, Inc. (PINE) — CTO Realty Growth serves as the external manager for Alpine Income Property Trust, Inc. and maintains a meaningful ownership interest in the company.Source
Strengths
- Portfolio of high-quality retail and mixed-use properties in high-growth marketsSource
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
45
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
34
Poor
Financial Strength
43
Business Quality / Moat
20
Management
36
Growth Quality
45
Risk / Durability
23
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
71
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
62/100
Building Historical Record
Model Score 62/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Material dilution — approximately 27.1% share-count growth
- •Elevated debt risk
- •M&A headline · Sep 14, 2026
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for CTO
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can CTO maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is CTO's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is CTO's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is CTO's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
45
Opportunity Score
71
Market Cap
$713.3M
P/E Ratio
14.4
EPS
$1.42
52-Week High
$22.71
52-Week Low
$15.07
Beta
0.63
Intrinsic Value
$54.78
Analyst Target
$25.00
Shares Outstanding
32.3M
Total Revenue
$161.1M
Total Debt
$690.3M
Dividend Yield (TTM)
7.99%
Liquidation Value / Share
$20.50
Dividend / Share (TTM)
$1.52
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for CTO
Detected from reported data — verify before acting.Material dilution — approximately 27.1% share-count growth
Diluted shares outstanding grew ~27.1% year-over-year. Substantial dilution reduces per-share value and can signal financing stress. Wall Street Score is capped.
Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
M&A headline · Sep 14, 2026
CTO Realty Growth Expands Into Kansas City Market With Acquisition of Zona Rosa for $63.3 Million — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
GlobeNewsWireCommunity Sentiment
0 active · 0 total callsNo personal call yet on CTO.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Portfolio of high-quality retail and mixed-use properties in high-growth markets.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
- −Concentration of properties in specific geographic markets.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
45
Sep 17, 2026
Change
+0.3
points
Current Score
45
Oct 1, 2026
Category Changes
CTO increased 0.3 points because overall fundamentals improved.
Projected Score
Projected Score
42
Projected Change
-3.0 points
Preliminary comparable-period financial changes suggest decline of approximately 3.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$19.03
Model Intrinsic Value
$54.78
Difference
−$35.75
-65.3% vs IV
Margin of Safety
65.3%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $161.1M | $149.5M | $124.5M | $109.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $160.2M | $158.0M | $33.2M | $30.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $922K | -$8.4M | $91.3M | $78.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $19.1M | $18.5M | $16.3M | $14.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | -$60.2M | -$41.5M | $73.7M | $52.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $152.0M | $97.5M | $75.0M | $71.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $61.1M | $33.1M | $17.6M | $26.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $29.0M | $26.9M | $22.5M | $22.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $53.9M | $10.5M | -$2.3M | $6.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $1.3M | $446K | -$339K | $604K | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $52.7M | $10.1M | -$2.0M | $5.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $1.42 | $0.08 | $-0.35 | $0.03 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 33.76M | 32.27M | 25.36M | 22.53M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 33.79M | 32.29M | 25.40M | 22.53M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$43.8M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.38
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+14.0%
Cash Change
-5.8%
Margin Change
+96.7 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, net income margin. Pressure indicators included EPS growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 16.5%. EPS declined 149.4%. Cash declined 5.8%. Total debt increased 14.0%. Net income margin improved by 96.7 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
REIT - DiversifiedNews
CTO Realty Growth: Buy This Undervalued REIT, Up To 8% Yield
CTO Realty Growth: The Dilution Is Working
CTO Realty Growth Closes $1.0 Billion Unsecured Credit Agreement
CTO Realty Growth Announces Third Quarter 2026 Earnings Release and Conference Call Information
Rumor Mill · CTO
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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