CTO Realty Growth, Inc. (CTO) AI Stock Analysis

CTO Realty Growth, Inc. is a real estate investment trust specializing in income properties across diversified U.S. markets. The company's portfolio spans approximately 2.4 million square feet of real estate strategically positioned for value and growth. In addition to its direct holdings, CTO holds an approximate 23.5% stake in Alpine Income Property Trust, Inc. (ticker PINE), a publicly traded net lease real estate investment trust. Through disciplined asset management, strategic alliances, and joint ventures, CTO explores growth opportunities to acquire and manage income-generating properties.

Annual revenue rose from $70.3M in FY2021 to $149.5M in FY2025, recording a five-year revenue CAGR of 21.5% from FY2020 to FY2025. After net income dropped to -$2.0M in FY2024, CTO returned to profitability in FY2025 with net income of $10.1M and EPS of $0.85, alongside an operating margin of 22.1%. Over the trailing twelve months ended June 30, 2026, revenue totaled $161.1M with a profit margin of 32.6% and operating margin of 25.4%. For the quarter ended June 30, 2026, quarterly revenue increased 16.5% year-over-year, while quarterly earnings grew 1200.1%.

As of June 30, 2026, CTO held $59.4M in cash and short-term investments against total debt of $690.3M, leaving net debt at $630.9M. The balance sheet reflects a debt-to-equity ratio of 1.04 and a current ratio of 2.44. In FY2025, operating cash flow and free cash flow both reached $64.6M. Capital allocation in FY2025 included $15.2M in capital expenditures, $9.5M in share buybacks, and $56.6M paid in dividends. Over five years, common shares outstanding expanded, with a share count change of 91.2%.

At a market capitalization of $770.0M and enterprise value of $1.36B, CTO trades at an EV/EBITDA of 9.5x and a trailing P/E of 15.0x, below the median of its US-listed Real Estate peers at 14.7x and 21.6x, respectively. Its price-to-sales multiple is 4.8x compared to the peer median of 3.7x, while its forward P/E stands at 122.0x versus the peer median of 23.5x. Over the past year, CTO shares gained 41.7%, outperforming the S&P 500 return of 16.8%, though its five-year return of 72.5% trailed the index return of 83.0%.

CTO pays an annual forward dividend of $1.52, yielding 7.40% on a quarterly schedule. The company maintains a 42-year track record of consecutive dividend payments, supported by a 10.8% five-year annualized dividend growth rate. However, the payout ratio is elevated at 99.4%, with $56.6M in dividends paid during FY2025. The last ex-dividend date was September 10, 2026.

Wall Street consensus displays 5 StrongBuy ratings, 0 Buy, 0 Hold, 0 Sell, and 0 StrongSell. The mean price target is $24.60, indicating 19.8% potential upside from the last close of $20.54. For the fiscal year ending December 31, 2026, analysts estimate revenue of $176.8M and EPS of $0.70, reflecting 781.2% EPS growth. CTO has beaten EPS estimates in 4 of the last 4 quarters, and the next earnings date is October 27, 2026.

This page is an AI-written research summary of CTO Realty Growth, Inc. (CTO). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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