CTO
Real EstateCTO Realty Growth, Inc. · REIT - Diversified · $690M
What is CTO Realty Growth, Inc.?
CTO Realty Growth, Inc. is a Florida-based real estate investment trust focused on owning income-producing properties across diversified U.S. markets. The company also holds a meaningful stake in Alpine Income Property Trust, a publicly traded net lease REIT.
CTO Realty Growth generates revenue primarily through ownership and management of income properties totaling roughly 2.4 million square feet spread across multiple U.S. markets. The company pursues a diversified real estate strategy, targeting retail and mixed-use assets. It also benefits from its equity interest in Alpine Income Property Trust (NYSE: PINE), a net lease REIT, which provides additional income exposure and portfolio diversification beyond its directly owned properties.
CTO Realty Growth was founded in 1980 and is headquartered in Winter Park, Florida.
- Directly owned income-producing commercial properties
- Net lease real estate exposure via Alpine Income Property Trust (PINE)
- Diversified multi-market U.S. real estate portfolio
- Retail and mixed-use property management
Is CTO a Good Stock to Buy?
UQS Score rates CTO as Below Average overall, reflecting a mixed picture across its five quality pillars.
The Growth and Valuation pillars both carry Good ratings, suggesting the company is expanding its portfolio at a reasonable pace relative to what the market is currently pricing in. These are the clearest positives in CTO's profile for investors weighing entry points in the small-cap REIT space.
The Moat pillar registers as Weak, indicating limited competitive differentiation — a meaningful concern in a sector where durable pricing power matters for long-term income stability.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does CTO pay dividends?
Yes — CTO Realty Growth, Inc. pays a dividend.
CTO Realty Growth pays a regular dividend, consistent with its structure as a REIT — which is required to distribute the majority of taxable income to shareholders. Income-focused investors often screen for CTO alongside other small-cap net lease REITs. The dividend cadence aligns with standard quarterly REIT distributions, though investors should review the company's investor relations page for the latest declared amounts.
When does CTO report earnings?
CTO Realty Growth reports earnings on a quarterly cadence, typical for U.S.-listed REITs.
The company's Growth pillar rating of Good suggests its recent operating trajectory has been constructive relative to sector peers. Portfolio expansion and income from its Alpine Income Property Trust stake both contribute to the revenue picture. Investors should weigh these trends against the Moat and Quality pillar readings.
For the most recent quarter's results and declared dividends, visit CTO Realty Growth's investor relations page directly.
CTO Price History
+66.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in CTO Realty Growth, Inc.?
Based on CTO Realty Growth, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
CTO Long-term Outlook
CTO's Good Growth pillar points to a portfolio that is adding income-producing assets at a measured pace. However, the Weak Moat rating tempers the long-term outlook — without strong competitive differentiation, sustaining above-average returns on new acquisitions may prove challenging. The Neutral Risk profile suggests the balance sheet and operational risks are neither particularly elevated nor especially well-managed relative to peers. Valuation rated Good implies the market has not yet priced in an overly optimistic scenario.
Growth drivers
- Continued acquisition of diversified income properties across U.S. markets
- Income contribution and potential value appreciation from the Alpine Income Property Trust stake
- Retail and mixed-use real estate demand in select Sun Belt and diversified markets
Key risks
- Weak competitive moat limits pricing power and tenant retention advantages
- Small-cap REIT exposure to interest rate sensitivity and refinancing risk
- Concentration risk from the Alpine Income Property Trust equity stake
CTO vs Peers
CTO Realty Growth operates in a competitive small-cap REIT landscape alongside several peers with distinct strategies.
Gladstone Commercial focuses on net lease office and industrial properties, offering a different asset-class mix compared to CTO's diversified retail-oriented portfolio.
Peakstone Realty Trust concentrates on single-tenant net lease office and industrial assets, pursuing a more narrowly defined property type strategy than CTO.
BrightSpire Capital operates as a commercial real estate credit company, lending against properties rather than owning them directly — a structurally different model from CTO's equity ownership approach.
Frequently Asked Questions
What does CTO Realty Growth do?
CTO Realty Growth owns and manages income-producing commercial properties across diversified U.S. markets, totaling approximately 2.4 million square feet. The company also holds an equity stake in Alpine Income Property Trust, a publicly traded net lease REIT, which adds another layer of real estate income exposure to its portfolio.
Does CTO pay dividends?
Yes, CTO Realty Growth pays a regular dividend. As a REIT, the company is required to distribute the majority of its taxable income to shareholders. Investors should check the company's investor relations page for the most current dividend declaration and payment details.
When does CTO report earnings?
CTO Realty Growth reports on a quarterly cadence, in line with standard U.S.-listed REIT practice. For the exact timing of upcoming earnings releases, refer to the company's investor relations page or financial calendar.
Is CTO a good stock to buy?
The UQS Score rates CTO as Below Average overall. Its Growth and Valuation pillars are rated Good, which are positives, but the Weak Moat and mixed Quality and Risk readings temper the overall picture. Investors should weigh these factors against their own income and risk preferences before making a decision.
Is CTO overvalued?
CTO's Valuation pillar is rated Good, suggesting the stock is not trading at a particularly stretched premium relative to its fundamentals. That said, valuation alone does not determine quality — the full UQS pillar breakdown provides a more complete picture for Pro members.
How does CTO compare to its competitors?
CTO operates a diversified income property portfolio with a net lease REIT stake, distinguishing it from peers like Gladstone Commercial, Peakstone Realty Trust, and BrightSpire Capital, which each pursue narrower or structurally different real estate strategies. UQS Pro members can view side-by-side pillar comparisons across these names.
What is CTO's market cap bracket?
CTO Realty Growth is classified as a small-cap company. Small-cap REITs can offer higher growth potential relative to larger peers but typically carry greater liquidity risk and less balance sheet flexibility during credit market stress.
Who founded CTO Realty Growth?
CTO Realty Growth was founded in 1980. Detailed founding history and leadership background are publicly available through the company's official website and SEC filings.
Is CTO a long-term quality investment?
From a long-term quality standpoint, CTO's Below Average UQS Score reflects real concerns — particularly its Weak Moat rating, which suggests limited durable competitive advantages. The Good Growth and Valuation ratings offer some offset, but long-term quality investors typically look for stronger moat and quality pillar readings.
What is the main competitive advantage of CTO Realty Growth?
CTO's primary differentiator is its combination of directly owned diversified income properties and its equity stake in Alpine Income Property Trust. This dual-exposure structure provides both direct property income and participation in a separate publicly traded net lease REIT. However, the UQS Moat pillar rates this advantage as Weak relative to sector peers.
What sector does CTO belong to?
CTO Realty Growth operates in the Real Estate sector, specifically as a diversified REIT owning commercial income properties across U.S. markets. Investors can explore other [top-rated REITs](/sector/real-estate) on the UQS platform for sector-wide quality comparisons.
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Pro Analysis
CTO — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 54.9 | 59.7 | 20.0 | 74.5 | 56.9 | 76.9 | 0.0 |
| May 20, 2026 | 54.9 | 59.7 | 20.0 | 74.5 | 56.9 | 76.7 | 0.0 |
| May 19, 2026 | 54.9 | 59.7 | 20.0 | 74.5 | 56.9 | 76.9 | 0.0 |
| May 16, 2026 | 54.9 | 59.7 | 20.0 | 74.5 | 56.9 | 77.2 | 0.0 |
| May 15, 2026 | 54.9 | 59.7 | 20.0 | 74.5 | 56.9 | 77.1 | 0.0 |
| May 14, 2026 | 54.9 | 59.7 | 20.0 | 74.5 | 56.9 | 77.2 | 0.0 |
| May 11, 2026 | 54.9 | 59.7 | 20.0 | 74.5 | 56.9 | 76.9 | +1.2 |
| May 10, 2026 | 53.7 | 59.7 | 20.0 | 74.5 | 56.9 | 69.3 | +8.6 |
| May 9, 2026 | 45.1 | 59.7 | 20.0 | 31.2 | 56.9 | 69.2 | -4.7 |
| May 4, 2026 | 49.8 | 47.9 | 20.0 | 74.5 | 45.5 | 73.9 | +0.4 |
CTO — Pillar Breakdown
Quality
— 59.7/100 (25%)CTO Realty Growth, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 74.5/100 (20%)CTO Realty Growth, Inc. demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 56.9/100 (15%)CTO Realty Growth, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 76.2/100 (15%)CTO Realty Growth, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 20/100 (25%)CTO Realty Growth, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CTO.
Score Composition
Financial Data
More Stock Analysis
How is the CTO UQS Score Calculated?
The UQS (Unified Quality Score) for CTO Realty Growth, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses CTO Realty Growth, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether CTO Realty Growth, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.