CTO Realty Growth, Inc.(CTO)Stock Analysis
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Rank #1,638 of 2,879 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
CTO Stock Analysis & AI Quality Score
AI stock analysis and institutional research for CTO Realty Growth, Inc. (CTO), a Real Estate sector company. 13F Pro's AI-powered ranking engine scores CTO at 46.6/100 on a 32-signal composite quality model, placing it at rank #1,638 of 2,879 stocks — the bottom half of the AI-ranked universe. CTO scores in the top quartile across free cash flow (92.1), revenue growth (80.1). Areas of concern include profitability (20.5) and revenue scale (21.3), which score below median versus the broader universe. Shareholder dilution risk is elevated at 35.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), CTO Realty Growth, Inc. reports quarterly revenue of $41.2M, net income of $6.2M, an operating margin of 25.0%. Top institutional holders of CTO by reported 13-F value include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. CTO trades on the NYSE exchange and files with the SEC under CIK 23795. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CTO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CTO Realty Growth, Inc. directly from SEC EDGAR. CTO Realty Growth, Inc.'s 13F Pro composite quality score has ranged between 34 and 74 since 2021, currently 46.6 — a declining long-term trajectory across 28 quarterly and live scoring snapshots.
Revenue
Q1 2026
$41.2M
Net Income
Q1 2026
$6.2M
Free Cash Flow
Q1 2026
$14.6M
Operating Margin
Q1 2026
25.0%
ROIC
Q1 2026
0.8%
D/E Ratio
Q1 2026
1.13
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+20.1% YoYNet Income
+231.3% YoYOperating Income
+93.1% YoYEPS (Diluted)
+122.9% YoYTotal Assets
+7.0% YoYTotal Debt
+18.8% YoYOp. Cash Flow
+7.9% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Revenue | $149.5M +20.1% | $124.5M +14.1% | $109.1M +32.6% | $82.3M +46.0% | $56.4M +25.5% | $44.9M |
| Net Income | $2.6M +231.3% | $-2.0M -135.5% | $5.5M +75.1% | $3.2M -96.0% | $78.5M -31.7% | $115.0M |
| Operating Income | $34.0M +93.1% | $17.6M -33.6% | $26.5M +148.5% | $10.7M -13.1% | $12.3M -64.1% | $34.2M |
| EPS (Diluted) | $0.08 +122.9% | $-0.35 -1266.7% | $0.03 +133.3% | $-0.09 -104.9% | $1.85 -75.8% | $7.67 |
| Total Assets | $1.26B +7.0% | $1.18B +19.4% | $989.7M +0.3% | $986.5M +48.0% | $666.7M -5.2% | $703.3M |
| Total Debt | $616.3M +18.8% | $519.0M +4.8% | $495.4M +11.2% | $445.6M +50.0% | $297.0M -18.0% | $362.2M |
| Operating Cash Flow | $64.6M +7.9% | $59.9M +29.3% | $46.3M -17.4% | $56.1M +231.3% | $16.9M +3.2% | $16.4M |
AI Insight: CTO Financial Trends
Revenue grew 41% from Q2 2024 to Q1 2026, but debt surged to $650M while equity erosion and volatile net income signal mounting balance-sheet pressure.
• Revenue expanded steadily from $29M in Q2 2024 to $41M in Q1 2026, a 41% increase over six quarters.
• Total debt climbed from $483M in Q2 2024 to $650M in Q1 2026, a $167M increase, while equity slipped from $613M peak to $575M.
• Operating income swung sharply — from -$13M in Q2 2025 to $29M in Q4 2025 — indicating highly lumpy, asset-sale-driven earnings.
• Operating cash flow improved to $26M in Q3 2025 but fell to $7M in Q4 2025 and recovered only partially to $15M in Q1 2026.
⚠ Debt rose to $650M in Q1 2026 against equity of $575M — debt-to-equity now exceeds 1.1x, the highest in the observed period.
⚠ Net income has swung between -$23M and $28M across consecutive quarters; sustainability of Q4 2025 gains is unclear.
⚠ Operating CF of $15M in Q1 2026 remains modest relative to $650M debt load — watch coverage capacity if rates stay elevated.
AI Insight: CTO Ratio Trends
CTO's quarterly results are highly volatile, but Q4 2025's 75.1% operating margin spike and Q1 2026's steady 25.0% suggest asset-sale-driven normalization rather than organic improvement.
• Operating margin swung from -33.7% in Q2 2025 to 75.1% in Q4 2025, then settled at 25.0% in Q1 2026 — extreme quarter-to-quarter volatility.
• TTM ROIC of 3.0% and Q1 2026 ROIC of 3.4% remain modest, recovering from -4.3% in Q2 2025 and -2.6% in Q4 2024.
• D/E ratio has risen from 0.85 in Q4 2024 to 1.13 in Q1 2026, a steady 5-quarter climb in leverage.
⚠ Recurring negative-margin quarters (Q4 2024, Q2 2025) suggest lumpy dispositions mask underlying earnings weakness — watch for pattern repetition.
⚠ D/E at 1.13 is the highest in the dataset; further leverage expansion could pressure refinancing costs in a higher-rate environment.
⚠ Q4 2025 NPM of 73.9% appears one-off; whether Q1 2026's 15.1% NPM is sustainable absent asset sales warrants close monitoring.
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Top Institutional Holders of CTO
BlackRock, Inc.
$60.9M3,295,951 shVANGUARD PORTFOLIO MANAGEMENT LLC
$30.0M1,621,229 shVANGUARD CAPITAL MANAGEMENT LLC
$25.0M1,349,517 shTWO SIGMA INVESTMENTS, LP
$16.3M881,629 shGEODE CAPITAL MANAGEMENT, LLC
$15.5M837,887 shHEITMAN REAL ESTATE SECURITIES LLC
$13.7M742,696 shSTATE STREET CORP
$13.1M710,187 shCutler Capital Management, LLC
$12.2M659,370 shGRACE & WHITE INC /NY
$10.9M591,125 shMILLER VALUE PARTNERS, LLC
$10.3M556,053 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $60.9M | 3,295,951 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $30.0M | 1,621,229 |
| VANGUARD CAPITAL MANAGEMENT LLC | $25.0M | 1,349,517 |
| TWO SIGMA INVESTMENTS, LP | $16.3M | 881,629 |
| GEODE CAPITAL MANAGEMENT, LLC | $15.5M | 837,887 |
| HEITMAN REAL ESTATE SECURITIES LLC | $13.7M | 742,696 |
| STATE STREET CORP | $13.1M | 710,187 |
| Cutler Capital Management, LLC | $12.2M | 659,370 |
| GRACE & WHITE INC /NY | $10.9M | 591,125 |
| MILLER VALUE PARTNERS, LLC | $10.3M | 556,053 |
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Is CTO a good stock to buy?
13F Pro's AI-powered analysis of CTO Realty Growth, Inc. (CTO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Real Estate sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CTO are available on the CTO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own CTO?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CTO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CTO Realty Growth, Inc.'s investment landscape.