📊 CTO-PA Key Takeaways
Investment Thesis
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-PA 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
CTO-PA 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
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
CTO-PA Financial Metrics
💡 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 Profitability Ratios
CTO-PA vs Default Sector
How CTO Realty Growth, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CTO-PA Balance Sheet & Liquidity
CTO-PA 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 Growth Metrics (YoY)
CTO-PA Quarterly 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-PA Capital Allocation
CTO-PA SEC Filings
Access official SEC EDGAR filings for CTO Realty Growth, Inc. (CIK: 0000023795)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CTO-PA
What is the AI rating for CTO-PA?
CTO Realty Growth, Inc. (CTO-PA) has an AI rating of HOLD with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CTO-PA's 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.
What are the risks of investing in CTO-PA?
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.
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?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.