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AHH vs CTO

AHH
Armada Hoffler Properties, Inc.
BEARISH
Price
$6.89
Market Cap
$714.2M
Sector
Real Estate
AI Confidence
78%
CTO
CTO Realty Growth, Inc.
BEARISH
Price
$19.67
Market Cap
$640.4M
Sector
Real Estate
AI Confidence
95%

Valuation

P/E Ratio
AHH
31.32
CTO
245.88
Forward P/E
AHH
25.52
CTO
178.82
P/B Ratio
AHH
1.18
CTO
1.12
P/S Ratio
AHH
1.58
CTO
4.28
EV/EBITDA
AHH
14.97
CTO
13.6

Profitability

Gross Margin
AHH
42.64%
CTO
74.6%
Operating Margin
AHH
24.61%
CTO
22.55%
Profit Margin
AHH
5.89%
CTO
6.75%
ROE
AHH
3.56%
CTO
1.71%
ROA
AHH
1.88%
CTO
1.69%

Growth

Revenue Growth
AHH
-48.8%
CTO
7.3%
Earnings Growth
AHH
--
CTO
--

Financial Health

Debt/Equity
AHH
1.91
CTO
1.09
Current Ratio
AHH
1.12
CTO
2.73
Quick Ratio
AHH
0.55
CTO
1.22

Dividends

Dividend Yield
AHH
8.06%
CTO
7.73%
Payout Ratio
AHH
284.09%
CTO
1900.0%

AI Verdict

AHH BEARISH

The deterministic health scores paint a concerning picture, with a Piotroski F-Score of 4/9 indicating borderline financial stability and no available Altman Z-Score to confirm solvency. Despite a high dividend yield of 8.06%, the payout ratio of 284.09% is unsustainable, raising serious concerns about dividend safety. Revenue has collapsed by 48.80% year-over-year, and earnings surprises have been wildly negative recently, including a -180% miss in the most recent quarter. While the stock trades below the analyst target price of $8.10, weak fundamentals, deteriorating profitability, and insider selling suggest significant downside risk.

Strengths
High dividend yield of 8.06% may attract income-seeking investors
Price/Sales ratio of 1.58 is below sector average of 2.92 (implied from EV/Revenue context)
Operating margin of 24.61% remains relatively strong despite revenue decline
Risks
Piotroski F-Score of 4 indicates weak financial health and elevated risk of distress
Extremely high payout ratio of 284.09% threatens dividend sustainability
Revenue growth YoY of -48.80% shows severe business contraction
CTO BEARISH

CTO exhibits severe valuation disconnects, trading at $19.67 despite a Graham Number of $5.62 and an Intrinsic Value of $0.56. While the Piotroski F-Score of 4/9 indicates stable health, the financial fundamentals are undermined by an unsustainable dividend payout ratio of 1900% and an astronomical P/E ratio of 245.88. The technical trend is heavily bearish (10/100), and the company's low ROE (1.71%) suggests poor capital efficiency. Overall, the stock appears significantly overpriced relative to its earnings power and asset value.

Strengths
Strong current ratio (2.73) indicating good short-term liquidity
Positive revenue growth (7.30% YoY)
Price/Book ratio (1.12) is relatively close to book value
Risks
Unsustainable dividend payout ratio (1900%)
Extreme valuation premium (P/E of 245.88)
Heavy reliance on retail anchor tenants as per 10-K

Compare Another Pair

AHH vs CTO: Head-to-Head Comparison

This page compares Armada Hoffler Properties, Inc. (AHH) and CTO Realty Growth, Inc. (CTO) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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