CTO Realty Growth Inc. Common Stock (CTO)

FairStock Score: 47/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach CTO Realty Growth as a small diversified retail REIT trading at $20.79 as of 2026-10-13. It owns retail-based properties in higher-growth U.S. markets and manages and owns a stake in Alpine Income Property Trust. This is not a wide-moat franchise; with a $702.4M market cap and 42 employees, it depends on asset selection and cost of capital. The trend has improved. In fiscal 2025, the year ended 2025-12-31, revenue was $149.5M and net income was $10.1M, versus fiscal 2024 revenue of $124.5M and a net loss of $2.0M. In fiscal Q1 2026, the quarter ended 2026-03-31, revenue was $41.2M and net income was $6.2M, up from $35.8M revenue and $2.3M net income in fiscal Q1 2025. FairStock tags it a turnaround. FairStock also calculates a 7.50% dividend yield, 9.8% FCF yield, price-to-book of 1.18 and P/E of 15.07 at the 2026-10-13 close. Those are not obviously expensive, but REIT EPS is distorted by depreciation; FFO/AFFO, the better measures, are not in the data. Debt/equity of 0.99 and an Altman Z-Score of 1.02 signal leverage risk. Piotroski is 6/9. I would want evidence that rent growth, occupancy, and dividend coverage can support the payout before calling this a clean bargain.

In plain English: CTO Realty Growth owns retail properties in growing U.S. markets and also manages and owns a piece of another property company. Its sales are rising and it returned to profit, but it carries a fair amount of debt and the business is not very large. At $20.79, the price looks roughly fair to slightly cheap compared with the value of its properties and the 7.5% dividend, though the risks are real.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · fiscal Q1 2025 10-Q (period ended 2025-03-31) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer