CTO
Real Estate · REIT - Diversified
Performance
CTO (CTO) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
CTO (CTO) operates in the REIT - Diversified space within the Real Estate sector. With a market cap of $704M, it qualifies as a small-cap company. Growth is moderate and the business remains profitable, offering a balanced risk/reward profile compared to high-multiple peers.
- Revenue growth of 15% YoY shows solid business momentum
- Earnings grew 1200% YoY — bottom-line is expanding fast
- Current ratio of 4.7× — ample short-term liquidity
- Dividend yield of 7.38% provides consistent income on top of price appreciation
- Low beta of 0.65 — less volatile than the market, suitable for conservative portfolios
- High P/E of 104.2× implies high expectations already priced in — leaves little room for disappointment
- High debt-to-equity of 113.24× increases financial risk, especially with elevated interest rates
- Price is near its 52-week high — limited near-term upside, higher pullback risk
Verdict
Buy / Hold
More positives than negatives. Fundamentals support holding while monitoring key risks.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
7.38%
5Y Avg Annual
$1.3627
Last Payment
$0.3800
Ex-Date
06/11/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest06/11/2026 | 06/30/2026 | $0.3800 | 7.30% |
03/12/2026 | 03/31/2026 | $0.3800 | 7.30% |
12/11/2025 | 12/30/2025 | $0.3800 | 7.30% |
09/11/2025 | 09/30/2025 | $0.3800 | 7.30% |
06/12/2025 | 07/01/2025 | $0.3800 | 7.30% |
03/13/2025 | 04/01/2025 | $0.3800 | 7.30% |
12/12/2024 | 12/31/2024 | $0.3800 | 7.30% |
09/12/2024 | 10/01/2024 | $0.3800 | 7.30% |
Magic Number
Shares needed to self-fund your next purchase
$20.83
Price
$0.3800
Last div. (quarterly)
55
shares
Own 55 CTO shares ($1,145.65) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$1,145.65
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
EPS (TTM)
$0.20
P/E (TTM)
104.2
Fwd P/E
189.4
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $20.83
Graham Number
√(22.5 × EPS × Book Value)
$8.82
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$24.62
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
80% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
2.4%Return on equity — measures how efficiently capital is used
Positive profit margin
9.1%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+15.0%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+1200.1%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
113.24×Low financial leverage reduces risk of distress
Current ratio above 1
4.69×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$6M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
7.38%Stock must distribute income to shareholders
Related Assets
Real Estate
About CTO
CTO Realty Growth, Inc. is a publicly traded real estate investment trust. The firm owns and operates a portfolio of high-quality, retail-based properties located primarily in higher growth markets in the United States. CTO also externally manages and owns a meaningful interest in Alpine Income Property Trust, Inc., a publicly traded net lease REIT. CTO Realty Growth, Inc. was incorporated in 1902 and is based in Winter Park, United States.
Sector
Real Estate
Industry
REIT - Diversified
Location
Winter Park, United States
Employees
42