CTO Realty Growth Inc
CTO—
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CTO Realty Growth Inc AI Insights
Informational only. Not investment advice.Snapshot
- FCF of 81.3M TTM on 147M revenue = 55% FCF margin, funding operations despite -33.5M net loss from non-cash impairments[Free Cash Flow TTM]
- Gross profit 1Y growth of 20.4% vs industry median 1.6% - 13x outperformance signals portfolio repositioning success[Gross Profit 1Y Growth]
- Net debt 595M at 1.1x debt/equity with 24.4M TTM interest expense consuming 37% of operating income[Debt to Equity]
Watch Triggers
- Interest Expense TTM: Exceeds 30M or 50% of operating income — Currently 24.4M/17.1M - already exceeds operating income; refinancing risk is existential
- Normalized EBITDA: Falls below 20M or debt/EBITDA exceeds 5x — At 23.4M with 619M debt, minimal cushion before covenant stress
- Free Cash Flow TTM: Drops below 60M — FCF is sole source of dividend/debt coverage given GAAP losses
Bull Case
55% FCF margin with 20% gross profit growth creates self-funding REIT that can delever without equity dilution - 0 stock issuance TTM
Free Cash Flow TTMGross Profit 1Y GrowthIssuance of Capital Stock
74.5% gross margin vs 61% industry median with asset-light model (267K PPE) enables operating leverage as revenue scales
Gross Margin TTMPPEOperating Margin TTM
Bear Case
619M total debt at 4x EBITDA (normalized 23.4M) with rising rates could squeeze already thin 11.6% operating margin
Total DebtNormalized EBITDAInterest Expense TTM
Negative ROE (-5.8%), ROA (-2.8%), ROIC (-2.9%) TTM indicate capital destruction despite strong cash generation
ROE TTMROA TTMROIC TTM
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
45%
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Forward Thesis
Cash flow will continue masking GAAP losses as impairments normalize post-portfolio cleanup
1-3ymed
- 55% FCF margin vs -23% net margin gap indicates non-cash charges
- Impairment of 68K TTM down from historical levels
- Working capital of 150M provides liquidity buffer
FCF 81.3M vs net income -33.5M TTMCash flow 81.3M covers 619M debt service20.4% gross profit growth trajectory
Valuation Context
Caveats
Public Strategies Rankings
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CTO Fundamentals
Real Estate and Rental and Leasing → Real Estate
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$605.92M | — | ||
$1.22B | — | ||
235 | — | ||
$149.54M | +20.1% | — | |
$0.08 | — | ||
22.1% | +14.1% | — | |
6.75% | +8.3% | — | |
$64.6M | -6.8% | — | |
1.71% | +2.1% | — | |
Beta 5Y (Monthly) | unknown | — |
CTO Dividend History
96 dividends
2026
$0.380003/12/26$0.3800
2025
$1.520012/11/25$0.3800
09/11/25$0.3800
06/12/25$0.3800
03/13/25$0.3800
2024
$1.520012/12/24$0.3800
09/12/24$0.3800
06/13/24$0.3800
03/13/24$0.3800
2023
$1.520012/13/23$0.3800
09/13/23$0.3800
06/07/23$0.3800
03/08/23$0.3800
2022
$1.493312/09/22$0.3800
09/09/22$0.3800
06/08/22$0.3733
03/09/22$0.3600
2021
$1.111112/08/21$0.1111
09/08/21$0.3333
06/18/21$0.3333
03/19/21$0.3333
2020
$4.576711/18/20$3.9433
11/13/20$0.3333
08/14/20$0.1333
05/08/20$0.0833
02/21/20$0.0833
2019
$0.146711/08/19$0.0433
08/09/19$0.0367
05/09/19$0.0333
02/07/19$0.0333
2018
$0.090011/08/18$0.0267
08/09/18$0.0233
05/09/18$0.0200
02/09/18$0.0200
2017
$0.060011/09/17$0.0167
08/08/17$0.0167
05/08/17$0.0133
02/08/17$0.0133
2016
$0.040011/08/16$0.0133
08/08/16$0.0133
05/06/16$0.0133
2015
$0.026711/06/15$0.0133
05/06/15$0.0133
2014
$0.023311/05/14$0.0133
05/07/14$0.0100
2013
$0.020011/06/13$0.0100
05/08/13$0.0100
2012
$0.013311/07/12$0.0067
05/08/12$0.0067
2011
$0.013311/08/11$0.0067
05/11/11$0.0033
02/08/11$0.0033
2010
$0.013311/09/10$0.0033
08/11/10$0.0033
05/12/10$0.0033
02/08/10$0.0033
2009
$0.100011/09/09$0.0167
08/04/09$0.0167
05/06/09$0.0333
02/05/09$0.0333
2008
$0.133311/04/08$0.0333
08/05/08$0.0333
05/06/08$0.0333
02/06/08$0.0333
2007
$0.126711/07/07$0.0333
08/07/07$0.0333
05/08/07$0.0300
02/07/07$0.0300
2006
$0.113311/08/06$0.0300
08/07/06$0.0300
05/10/06$0.0267
02/07/06$0.0267
2005
$0.100011/08/05$0.0267
08/08/05$0.0267
05/10/05$0.0233
02/07/05$0.0233
2004
$0.086711/08/04$0.0233
08/06/04$0.0233
05/10/04$0.0200
02/05/04$0.0200
2003
$0.073311/06/03$0.0200
08/01/03$0.0200
05/02/03$0.0167
01/31/03$0.0167
2002
$0.066711/01/02$0.0167
08/02/02$0.0167
05/03/02$0.0167
02/01/02$0.0167
2001
$0.066711/02/01$0.0167
08/03/01$0.0167
05/03/01$0.0167
02/02/01$0.0167
2000
$0.066711/09/00$0.0167
08/10/00$0.0167
05/04/00$0.0167
02/03/00$0.0167
CTO Stock Splits
1 stock split
07/01/221:3 split
CTO SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
02/19/26 | 12/31/25 | Unknown | |
10/28/25 | 09/30/25 | 10-Q | |
07/29/25 | 06/30/25 | 10-Q | |
05/01/25 | 03/31/25 | 10-Q | |
02/20/25 | 12/31/24 | 10-K | |
10/24/24 | 09/30/24 | 10-Q | |
07/25/24 | 06/30/24 | 10-Q | |
05/02/24 | 03/31/24 | 10-Q | |
02/22/24 | 12/31/23 | 10-K | |
10/26/23 | 09/30/23 | 10-Q | |
07/27/23 | 06/30/23 | 10-Q | |
04/27/23 | 03/31/23 | 10-Q | |
02/23/23 | 12/31/22 | 10-K | |
10/27/22 | 09/30/22 | 10-Q | |
07/28/22 | 06/30/22 | 10-Q | |
04/28/22 | 03/31/22 | 10-Q | |
02/24/22 | 12/31/21 | 10-K | |
10/28/21 | 09/30/21 | 10-Q | |
07/29/21 | 06/30/21 | 10-Q | |
04/29/21 | 03/31/21 | 10-Q | |
03/05/21 | 12/31/20 | 10-K | |
10/29/21 | 09/30/20 | 10-Q/A | |
11/06/20 | 09/30/20 | 10-Q | |
08/10/20 | 06/30/20 | 10-Q | |
05/11/20 | 03/31/20 | 10-Q | |
03/06/20 | 12/31/19 | 10-K | |
10/23/19 | 09/30/19 | 10-Q | |
07/31/19 | 06/30/19 | 10-Q | |
04/30/19 | 03/31/19 | 10-Q | |
02/28/19 | 12/31/18 | 10-K | |
10/26/18 | 09/30/18 | 10-Q | |
08/01/18 | 06/30/18 | 10-Q | |
05/01/18 | 03/31/18 | 10-Q | |
02/28/18 | 12/31/17 | 10-K | |
10/30/17 | 09/30/17 | 10-Q | |
08/09/17 | 06/30/17 | 10-Q | |
05/09/17 | 03/31/17 | 10-Q | |
02/24/17 | 12/31/16 | 10-K | |
10/28/16 | 09/30/16 | 10-Q | |
07/29/16 | 06/30/16 | 10-Q | |
05/03/16 | 03/31/16 | 10-Q | |
03/01/16 | 12/31/15 | 10-K | |
10/30/15 | 09/30/15 | 10-Q | |
07/31/15 | 06/30/15 | 10-Q | |
05/06/15 | 03/31/15 | 10-Q | |
02/27/15 | 12/31/14 | 10-K | |
10/28/14 | 09/30/14 | 10-Q | |
08/01/14 | 06/30/14 | 10-Q | |
04/30/14 | 03/31/14 | 10-Q | |
03/10/14 | 12/31/13 | 10-K | |
10/31/13 | 09/30/13 | 10-Q | |
07/30/13 | 06/30/13 | 10-Q | |
05/03/13 | 03/31/13 | 10-Q | |
03/08/13 | 12/31/12 | 10-K | |
11/07/12 | 09/30/12 | 10-Q | |
08/08/12 | 06/30/12 | 10-Q | |
05/09/12 | 03/31/12 | 10-Q | |
03/15/12 | 12/31/11 | 10-K | |
11/09/11 | 09/30/11 | 10-Q | |
08/09/11 | 06/30/11 | 10-Q | |
05/09/11 | 03/31/11 | 10-Q | |
03/11/11 | 12/31/10 | 10-K | |
11/09/10 | 09/30/10 | 10-Q | |
08/16/10 | 06/30/10 | 10-Q | |
05/10/10 | 03/31/10 | 10-Q | |
03/12/10 | 12/31/09 | 10-K | |
11/09/09 | 09/30/09 | 10-Q | |
08/07/09 | 06/30/09 | 10-Q | |
05/08/09 | 03/31/09 | 10-Q | |
03/12/09 | 12/31/08 | 10-K | |
11/10/08 | 09/30/08 | 10-Q | |
08/11/08 | 06/30/08 | 10-Q | |
03/31/08 | 03/30/08 | Unknown | -- |
03/13/08 | 12/31/07 | 10-K | |
11/09/07 | 09/30/07 | 10-Q | |
06/30/07 | 06/30/07 | Unknown | -- |
03/31/07 | 03/30/07 | Unknown | -- |
03/14/07 | 12/31/06 | 10-K | |
11/09/06 | 09/30/06 | 10-Q | |
08/10/06 | 06/30/06 | 10-Q | |
05/10/06 | 03/30/06 | Unknown | -- |
03/13/06 | 12/31/05 | 10-K | |
11/09/05 | 09/30/05 | 10-Q | |
08/09/05 | 06/30/05 | 10-Q | |
05/10/05 | 03/30/05 | Unknown | -- |
03/14/05 | 12/31/04 | 8-K | |
11/09/04 | 09/30/04 | 10-Q | |
08/06/04 | 06/30/04 | 10-Q | |
05/07/04 | 03/30/04 | Unknown | -- |
03/12/04 | 12/31/03 | 5 | |
11/12/03 | 09/30/03 | 10-Q | |
08/07/03 | 06/30/03 | 10-Q | |
05/07/03 | 03/30/03 | Unknown | -- |
03/14/03 | 12/31/02 | DEF 14A | |
11/13/02 | 09/30/02 | 10-Q | |
08/13/02 | 06/30/02 | 10-Q | |
05/09/02 | 03/30/02 | Unknown | -- |
03/15/02 | 12/31/01 | 10-K | |
11/08/01 | 09/30/01 | 10-Q | |
08/08/01 | 06/30/01 | 10-Q | |
05/09/01 | 03/30/01 | Unknown | -- |
03/16/01 | 12/31/00 | 10-K | |
10/30/00 | 09/30/00 | 10-Q | |
08/03/00 | 06/30/00 | 10-Q | |
05/02/00 | 03/30/00 | Unknown | -- |