CTO
BEARISH
$19.67
Live
CTO Realty Growth, Inc. · NYSE
Target $22.17
(+12.7%)
$15.07
52W Range
$20.25
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 26, 2026
Market cap
$640.45M
P/E
245.88
ROE
1.7%
Profit margin
6.7%
Debt/Equity
1.09
Dividend yield
7.73%
AI Analysis
AI-powered fundamental assessment
Confidence
95%
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.
Key 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
Consistent dividend yield of 7.73%
Stable Piotroski F-Score (4/9)
Key Risks
Unsustainable dividend payout ratio (1900%)
Extreme valuation premium (P/E of 245.88)
Heavy reliance on retail anchor tenants as per 10-K
Very low Return on Equity (1.71%)
Strongly bearish technical trend (10/100)
AI Fair Value Estimate
Based on comprehensive analysis
$5.85
-70.3% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
34
Weak
10
40
50
55
15
AI Verdict
Overvalued/High Risk
Key drivers: Extreme P/E ratio, Impossible payout ratio, Massive gap between price and Graham Number
Confidence
90%
Value
10/100
Ref P/E, PEG, Graham Number
Positives
- P/B ratio is near 1.0
Watchpoints
- P/E of 245.88
- Price is 3.5x the Graham Number
- Intrinsic value is negligible ($0.56)
Future
40/100
Ref Growth rates
Positives
- Modest revenue growth
- Recent EPS surprises have been positive
Watchpoints
- Retail sector volatility
- Low ROE limits organic growth
Past
50/100
Ref Historical trends
Positives
- Positive 5Y and 3Y price performance
Watchpoints
- Highly volatile quarterly earnings track record
Health
55/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Current ratio 2.73
- Debt/Equity 1.09 is manageable for a REIT
Watchpoints
- Piotroski F-Score is only 4/9
- Very low ROA/ROE
Dividend
15/100
Ref Yield, Payout
Positives
- High nominal yield (7.73%)
Watchpoints
- Payout ratio of 1900% is a critical red flag
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$19.67
Analyst Target
$22.17
Upside/Downside
+12.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CTO and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CTO
CTO Realty Growth, Inc.
Primary
|
+68.9% | +51.7% | +18.9% | +25.2% | +7.4% | -2.0% |
|
GOOD
Gladstone Commercial Corporation
Peer
|
-9.6% | +27.6% | -2.5% | +12.2% | -1.0% | +3.7% |
|
REAX
The Real Brokerage Inc.
Peer
|
+44.2% | +121.0% | -41.3% | -26.1% | +14.2% | +12.3% |
|
ADAM
Adamas Trust, Inc.
Peer
|
-22.7% | +23.8% | +35.5% | +17.6% | -1.4% | -1.5% |
|
AHH
Armada Hoffler Properties, Inc.
Peer
|
-16.1% | -29.6% | -24.2% | +1.9% | +7.0% | -2.4% |
CTO
CTO Realty Growth, Inc.
Primary
5Y
+68.9%
3Y
+51.7%
1Y
+18.9%
6M
+25.2%
1M
+7.4%
1W
-2.0%
GOO
Gladstone Commercial Corporation
Peer
5Y
-9.6%
3Y
+27.6%
1Y
-2.5%
6M
+12.2%
1M
-1.0%
1W
+3.7%
REA
The Real Brokerage Inc.
Peer
5Y
+44.2%
3Y
+121.0%
1Y
-41.3%
6M
-26.1%
1M
+14.2%
1W
+12.3%
ADA
Adamas Trust, Inc.
Peer
5Y
-22.7%
3Y
+23.8%
1Y
+35.5%
6M
+17.6%
1M
-1.4%
1W
-1.5%
AHH
Armada Hoffler Properties, Inc.
Peer
5Y
-16.1%
3Y
-29.6%
1Y
-24.2%
6M
+1.9%
1M
+7.0%
1W
-2.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
245.88
Forward P/E
178.82
PEG Ratio
N/A
P/B Ratio
1.12
P/S Ratio
4.28
EV/Revenue
8.37
EV/EBITDA
13.6
Market Cap
$640.45M
Profitability
Profit margins and return metrics
Profit Margin
6.75%
Operating Margin
22.55%
Gross Margin
74.6%
ROE
1.71%
ROA
1.69%
Growth
Revenue and earnings growth rates
Revenue Growth
+7.3%
Earnings Growth
N/A
Q/Q Revenue Growth
+7.27%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
1.09
Moderate
Current Ratio
2.73
Strong
Quick Ratio
1.22
Good
Cash/Share
$0.29
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Gross Margin
75.0%
Op. Margin
22.7%
Net Margin
73.9%
Total Assets
$1.3B
Liabilities
$0.7B
Equity
$0.6B
Debt/Equity
1.23x
Operating CF
$0.0B
Free Cash Flow
$0.0B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-28
$N/A
2026-02-19
$0.82
+4819.0% surprise
2025-10-28
$0.03
2025-07-29
$-0.01
+97.2% surprise
Real Estate Sector Comparison
Comparing CTO against 140 companies in the Real Estate sector
(5 bullish, 25 neutral, 110 bearish)
P/E Ratio
245.88
This Stock
vs
46.21
Sector Avg
+432.1%
(Expensive)
Return on Equity (ROE)
1.71%
This Stock
vs
-40.46%
Sector Avg
-104.2%
(Below Avg)
Profit Margin
6.75%
This Stock
vs
10.6%
Sector Avg
-36.4%
(Weaker)
Debt to Equity
1.09
This Stock
vs
2.7
Sector Avg
-59.6%
(Less Debt)
Revenue Growth
7.3%
This Stock
vs
19964.14%
Sector Avg
-100.0%
(Slower)
Current Ratio
2.73
This Stock
vs
8.88
Sector Avg
-69.2%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CTO
CTO Realty Growth, Inc.
|
BEARISH | $640.45M | 245.88 | 1.7% | 6.7% | $19.67 | |
|
GOOD
Gladstone Commercial Corporation
|
BEARISH | $592.35M | 86.64 | 5.6% | 12.0% | $12.13 | Compare |
|
REAX
The Real Brokerage Inc.
|
NEUTRAL | $581.7M | - | -19.3% | -0.4% | $2.74 | Compare |
|
ADAM
Adamas Trust, Inc.
|
BEARISH | $712.03M | 7.15 | 9.7% | 47.3% | $7.87 | Compare |
|
AHH
Armada Hoffler Properties, Inc.
|
BEARISH | $714.25M | 31.32 | 3.6% | 5.9% | $6.89 | Compare |
CTO
CTO Realty Growth, Inc.
BEARISH
Mkt Cap
$640M
P/E
245.9
ROE
1.7%
Price
$19.67
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-01 | HAGA CHRISTOPHER W | Director | Stock Award | 1,108 | $20,923 |
| 2026-04-01 | GABLE ROBERT BLAKESLEE | Director | Stock Award | 1,009 | $19,053 |
| 2026-04-01 | DREW CHRISTOPHER J | Director | Stock Award | 860 | $16,240 |
| 2026-04-01 | FRANKLIN LAURA M | Director | Stock Award | 661 | $12,482 |
| 2026-02-11 | ALBRIGHT JOHN P | Chief Executive Officer | Stock Award | 37,114 | - |
| 2026-02-11 | MAYS PHILIP R | Chief Financial Officer | Stock Award | 14,965 | - |
| 2026-02-11 | BROKAW GEORGE R | Director | Stock Award | 3,462 | $62,489 |
| 2026-02-11 | HAGA CHRISTOPHER W | Director | Stock Award | 3,462 | $62,489 |
| 2026-02-11 | SMITH DANIEL EARL | General Counsel | Stock Award | 11,266 | - |
| 2026-02-11 | GREATHOUSE STEVEN ROBERT | Chief Investment Officer | Stock Award | 17,487 | - |
| 2026-02-11 | GABLE ROBERT BLAKESLEE | Director | Stock Award | 3,462 | $62,489 |
| 2026-02-11 | DREW CHRISTOPHER J | Director | Stock Award | 3,462 | $62,489 |
| 2026-02-11 | VORAKOUN LISA | Officer | Stock Award | 10,089 | - |
| 2026-02-11 | FRANKLIN LAURA M | Director | Stock Award | 3,462 | $62,489 |
| 2026-01-12 | ALBRIGHT JOHN P | Chief Executive Officer | Stock Award | 59,163 | - |
HAGA CHRISTOPHER W
Director
2026-04-01
1,108 shares
·
$20,923
GABLE ROBERT BLAKESLEE
Director
2026-04-01
1,009 shares
·
$19,053
DREW CHRISTOPHER J
Director
2026-04-01
860 shares
·
$16,240
FRANKLIN LAURA M
Director
2026-04-01
661 shares
·
$12,482
ALBRIGHT JOHN P
Chief Executive Officer
2026-02-11
37,114 shares
MAYS PHILIP R
Chief Financial Officer
2026-02-11
14,965 shares
BROKAW GEORGE R
Director
2026-02-11
3,462 shares
·
$62,489
HAGA CHRISTOPHER W
Director
2026-02-11
3,462 shares
·
$62,489
SMITH DANIEL EARL
General Counsel
2026-02-11
11,266 shares
GREATHOUSE STEVEN ROBERT
Chief Investment Officer
2026-02-11
17,487 shares
GABLE ROBERT BLAKESLEE
Director
2026-02-11
3,462 shares
·
$62,489
DREW CHRISTOPHER J
Director
2026-02-11
3,462 shares
·
$62,489
VORAKOUN LISA
Officer
2026-02-11
10,089 shares
FRANKLIN LAURA M
Director
2026-02-11
3,462 shares
·
$62,489
ALBRIGHT JOHN P
Chief Executive Officer
2026-01-12
59,163 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
10-K
CTO faces significant risks related to the ownership of commercial real estate and the stability of its tenants' businesses, which could adversely impact rental payments and overall cash flow. Key vulnerabilities include exposure to global and local market volatility and a heavy reliance on the successful operation of anchor tenants within its retail properties.
10-Q
10-Q
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
6 analysts
Jones Trading
2026-02-24
Buy
Buy
Jones Trading
2025-10-29
Buy
Buy
Past News Coverage
Recent headlines mentioning CTO from our newsroom.
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No matching news yet.