📊 CTO-PA Key Takeaways
Is CTO Realty Growth, Inc. (CTO-PA) a Good Investment?
CTO Realty Growth demonstrates solid operational performance with strong revenue growth of 20.1% YoY and excellent FCF generation of $40.7M, but concerning leverage metrics and weak returns on capital limit upside potential. The company's ability to service debt and maintain profitability will be critical to monitor given elevated debt levels relative to equity.
CTO Realty Growth shows solid top-line momentum, strong property-level economics, and healthy free cash flow generation, with revenue up 20.1% year over year and FCF margin at 27.2%. However, the improvement in net income comes off a low base, while weak ROE/ROA, very limited cash on hand, and thin 1.3x interest coverage constrain overall financial flexibility. The fundamentals support a neutral view until profitability and balance sheet resilience improve further.
Why Buy CTO Realty Growth, Inc. Stock? CTO-PA Key Strengths
- Strong revenue growth of 20.1% YoY indicating market demand and operational expansion
- Excellent free cash flow generation of $40.7M with 27.2% FCF margin showing efficient operations
- Gross margin of 74.6% reflects strong pricing power and cost management in real estate operations
- Significant net income growth of 291.2% YoY demonstrates operational leverage and improving bottom-line performance
- Revenue growth is strong at 20.1% year over year, indicating continued portfolio expansion and leasing momentum.
- Gross margin of 74.6% and operating margin of 22.7% suggest solid underlying asset-level profitability.
- Operating cash flow of $64.60M and free cash flow of $40.74M provide meaningful internal cash generation.
CTO-PA Stock Risks: CTO Realty Growth, Inc. Investment Risks
- High leverage with debt-to-equity ratio of 1.09x and total debt of $616.3M against only $6.5M cash creating refinancing risk
- Weak interest coverage ratio of 1.3x indicates limited cushion for servicing debt obligations if operations deteriorate
- Poor returns on equity (1.8%) and assets (0.8%) suggest capital is not being deployed efficiently despite revenue growth
- Low net profit margin of 6.7% relative to gross margin indicates high operating and financing costs consuming profitability
- Interest coverage of 1.3x is thin, leaving limited cushion if financing costs stay elevated or operating income softens.
- Cash balance of just $6.47M is low relative to $616.35M of long-term debt, reducing liquidity flexibility.
- ROE of 1.8% and ROA of 0.8% indicate that improved earnings have not yet translated into strong capital efficiency.
Key Metrics to Watch
- Interest coverage ratio trend - critical to monitor debt sustainability
- Debt-to-equity reduction progress - key to improving financial flexibility
- Free cash flow consistency - essential for debt service and shareholder returns
- Return on equity trajectory - indicator of capital efficiency improvements
- Operating margin expansion - leverage point for bottom-line improvement
- Interest coverage and debt refinancing terms
- Sustainable growth in operating cash flow and net operating margins
CTO Realty Growth, Inc. (CTO-PA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 27.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CTO-PA Profit Margin, ROE & Profitability Analysis
CTO-PA vs Real Estate Sector: How CTO Realty Growth, Inc. Compares
How CTO Realty Growth, Inc. compares to Real Estate sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is CTO Realty Growth, Inc. Stock Overvalued? CTO-PA Valuation Analysis 2026
Based on fundamental analysis, CTO Realty Growth, Inc. has mixed fundamental signals relative to the Real Estate sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
CTO Realty Growth, Inc. Balance Sheet: CTO-PA Debt, Cash & Liquidity
CTO-PA Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: CTO Realty Growth, Inc.'s revenue has grown significantly by 159% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.03 reflects profitable operations.
CTO-PA Revenue Growth, EPS Growth & YoY Performance
CTO-PA Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $31.8M | $2.9M | $0.03 |
| Q2 2025 | $28.8M | $1.2M | $-0.03 |
| Q1 2025 | $28.1M | $2.3M | $0.01 |
| Q3 2024 | $28.5M | -$1.5M | $0.07 |
| Q2 2024 | $26.0M | $1.2M | $0.03 |
| Q1 2024 | $24.7M | $5.8M | $0.20 |
| Q3 2023 | $23.1M | -$1.5M | $0.07 |
| Q2 2023 | $19.5M | $1.2M | $0.00 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CTO Realty Growth, Inc. Dividends, Buybacks & Capital Allocation
CTO-PA SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for CTO Realty Growth, Inc. (CIK: 0000023795)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 2, 2026 | 4 | xslF345X06/form4-04022026_050407.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/form4-04022026_050405.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/form4-04022026_050403.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/form4-04022026_050401.xml | View → |
| Feb 19, 2026 | 10-K | cto-20251231x10k.htm | View → |
❓ Frequently Asked Questions about CTO-PA
What is the AI rating for CTO-PA?
CTO Realty Growth, Inc. (CTO-PA) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 70% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CTO-PA's key strengths?
Claude: Strong revenue growth of 20.1% YoY indicating market demand and operational expansion. Excellent free cash flow generation of $40.7M with 27.2% FCF margin showing efficient operations. ChatGPT: Revenue growth is strong at 20.1% year over year, indicating continued portfolio expansion and leasing momentum.. Gross margin of 74.6% and operating margin of 22.7% suggest solid underlying asset-level profitability..
What are the risks of investing in CTO-PA?
Claude: High leverage with debt-to-equity ratio of 1.09x and total debt of $616.3M against only $6.5M cash creating refinancing risk. Weak interest coverage ratio of 1.3x indicates limited cushion for servicing debt obligations if operations deteriorate. ChatGPT: Interest coverage of 1.3x is thin, leaving limited cushion if financing costs stay elevated or operating income softens.. Cash balance of just $6.47M is low relative to $616.35M of long-term debt, reducing liquidity flexibility..
What is CTO-PA's revenue and growth?
CTO Realty Growth, Inc. reported revenue of $149.5M.
Does CTO-PA pay dividends?
CTO Realty Growth, Inc. pays dividends, with $49.0M distributed to shareholders in the trailing twelve months.
Where can I find CTO-PA SEC filings?
Official SEC filings for CTO Realty Growth, Inc. (CIK: 0000023795) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CTO-PA's EPS?
CTO Realty Growth, Inc. has a diluted EPS of $0.08.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CTO-PA a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, CTO Realty Growth, Inc. has a HOLD rating with 70% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CTO-PA stock overvalued or undervalued?
Valuation metrics for CTO-PA: ROE of 1.8% (sector avg: 8%), net margin of 6.7% (sector avg: 20%). Compare these metrics with sector averages to assess valuation.
Should I buy CTO-PA stock in 2026?
Our dual AI analysis gives CTO Realty Growth, Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CTO-PA's free cash flow?
CTO Realty Growth, Inc.'s operating cash flow is $64.6M, with capital expenditures of $23.9M. FCF margin is 27.2%.
How does CTO-PA compare to other Real Estate stocks?
Vs Real Estate sector averages: Net margin 6.7% (avg: 20%), ROE 1.8% (avg: 8%), current ratio N/A (avg: 1.5).