What is Cto Realty Growth Inc's earnings per share (EPS)?

Cto Realty Growth Inc (CTO) reported diluted earnings per share of $0.08 for fiscal year 2025. This represents a 122.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Cto Realty Growth Inc Financials

CTO

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Cto Realty Growth Inc (CTO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 59/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Cto Realty Growth Inc has an operating margin of 22.8%, meaning the company retains $23 of operating profit per $100 of revenue. This strong profitability earns a score of 73/100, reflecting efficient cost management and pricing power. This is up from 14.1% the prior year.

Growth

Cto Realty Growth Inc's revenue surged 20.1% year-over-year to $149.5M, reflecting rapid business expansion. This strong growth earns a score of 67/100.

Leverage

Cto Realty Growth Inc carries a low D/E ratio of 1.09, meaning only $1.09 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 80/100, indicating a strong balance sheet with room for future borrowing.

Returns

Cto Realty Growth Inc generates a 1.8% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 15/100. This is up from -0.3% the prior year.

Piotroski F-Score Neutral

6/9

Cto Realty Growth Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

6.40x

For every $1 of reported earnings, Cto Realty Growth Inc generates $6.40 in operating cash flow ($64.6M OCF vs $10.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage At Risk

1.3x

Cto Realty Growth Inc earns $1.3 in operating income for every $1 of interest expense ($34.0M vs $26.9M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$149.5M

YoY+20.1%

5Y CAGR+21.5%

10Y CAGR+13.3%

Cto Realty Growth Inc generated $149.5M in revenue in fiscal year 2025. This represents an increase of 20.1% from the prior year.

EBITDA

$94.0M

YoY+13.8%

5Y CAGR+24.6%

10Y CAGR+13.9%

Cto Realty Growth Inc's EBITDA was $94.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 13.8% from the prior year.

Net Income

$10.1M

YoY+613.6%

5Y CAGR-33.7%

10Y CAGR+1.9%

Cto Realty Growth Inc reported $10.1M in net income in fiscal year 2025. This represents an increase of 613.6% from the prior year.

EPS (Diluted)

$0.08

YoY+122.9%

Cto Realty Growth Inc earned $0.08 per diluted share (EPS) in fiscal year 2025. This represents an increase of 122.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$6.5M

YoY-28.3%

5Y CAGR+8.6%

10Y CAGR+4.8%

Cto Realty Growth Inc held $6.5M in cash against $616.3M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

33M

YoY+2.3%

Cto Realty Growth Inc had 33M shares outstanding in fiscal year 2025. This represents an increase of 2.3% from the prior year.

Margins & Returns

Gross Margin

74.6%

YoY+1.3pp

5Y CAGR+1.6pp

Cto Realty Growth Inc's gross margin was 74.6% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 1.3 percentage points from the prior year.

Operating Margin

22.8%

YoY+8.6pp

5Y CAGR+1.0pp

10Y CAGR-24.4pp

Cto Realty Growth Inc's operating margin was 22.8% in fiscal year 2025, reflecting core business profitability. This is up 8.6 percentage points from the prior year.

Net Margin

6.8%

YoY+8.3pp

5Y CAGR-132.5pp

10Y CAGR-12.7pp

Cto Realty Growth Inc's net profit margin was 6.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 8.3 percentage points from the prior year.

Return on Equity

1.8%

YoY+2.1pp

5Y CAGR-20.6pp

10Y CAGR-4.2pp

Cto Realty Growth Inc's ROE was 1.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$9.4M

YoY+1308.9%

5Y CAGR+17.9%

10Y CAGR+3.7%

Cto Realty Growth Inc spent $9.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1308.9% from the prior year.

Capital Expenditures

N/A

CTO Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$149.5M+20.1%	$124.5M+14.1%	$109.1M+32.6%	$82.3M+17.1%	$70.3M+24.6%	$56.4M
Cost of Revenue	$37.9M+14.2%	$33.2M+10.1%	$30.2M+32.0%	$22.9M+1.9%	$22.4M+47.5%	$15.2M
Gross Profit	$111.6M+22.3%	$91.3M+15.7%	$78.9M+32.8%	$59.5M+24.3%	$47.8M+16.2%	$41.2M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$18.5M+13.9%	$16.3M+14.2%	$14.2M+10.5%	$12.9M+15.1%	$11.2M-3.2%	$11.6M
Operating Income	$34.0M+93.1%	$17.6M-33.6%	$26.5M+148.5%	$10.7M-54.3%	$23.3M+90.1%	$12.3M
Interest Expense	$26.9M+19.6%	$22.5M+0.7%	$22.4M+101.2%	$11.1M+24.5%	$8.9M-17.6%	$10.8M
Income Tax	$446K+231.6%	-$339K-156.1%	$604K+121.3%	-$2.8M+8.1%	-$3.1M+96.3%	-$83.5M
Net Income	$10.1M+613.6%	-$2.0M-135.5%	$5.5M+75.1%	$3.2M-89.5%	$29.9M-61.9%	$78.5M
EPS (Diluted)	$0.08+122.9%	$-0.35-1266.7%	$0.03+133.3%	$-0.09-105.8%	$1.56	$5.56

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$38.3M+1.5%	$37.8M+0.3%	$37.6M+5.1%	$35.8M+0.2%	$35.7M+12.4%	$31.8M+10.3%	$28.8M+2.6%	$28.1M
Cost of Revenue	$9.6M+3.3%	$9.3M-8.9%	$10.2M+14.5%	$8.9M-2.9%	$9.2M+12.2%	$8.2M-2.2%	$8.3M+10.1%	$7.6M
Gross Profit	$28.8M+1.0%	$28.5M+3.7%	$27.5M+2.0%	$26.9M+1.3%	$26.6M+12.4%	$23.6M+15.3%	$20.5M-0.2%	$20.6M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$4.6M-3.4%	$4.8M+7.5%	$4.4M-5.0%	$4.7M+3.6%	$4.5M+10.9%	$4.1M+17.8%	$3.5M-18.0%	$4.2M
Operating Income	$28.8M+187.2%	$10.0M+179.1%	-$12.7M-261.0%	$7.9M+207.8%	-$7.3M-247.2%	$5.0M-8.7%	$5.4M-62.6%	$14.5M
Interest Expense	$7.1M+3.9%	$6.8M-0.4%	$6.9M+11.8%	$6.1M+6.6%	$5.8M+2.2%	$5.6M+0.5%	$5.6M+1.4%	$5.5M
Income Tax	$143K+146.6%	$58K-70.1%	$194K+280.4%	$51K+111.7%	-$437K-431.1%	$132K+80.8%	$73K+168.2%	-$107K
Net Income	$28.3M+872.4%	$2.9M+112.4%	-$23.4M-1135.7%	$2.3M+114.9%	-$15.2M-344.4%	$6.2M+426.4%	$1.2M-79.8%	$5.8M
EPS (Diluted)	N/A	$0.03+103.9%	$-0.77-7800.0%	$0.01	N/A	$0.17+666.7%	$-0.03-115.0%	$0.20

CTO Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.3B+7.0%	$1.2B+19.4%	$989.7M+0.3%	$986.5M+34.6%	$733.1M+10.0%	$666.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$6.5M-28.3%	$9.0M-11.7%	$10.2M-47.2%	$19.3M+124.4%	$8.6M+100.9%	$4.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$696.6M+22.5%	$568.8M+6.9%	$532.1M+10.5%	$481.8M+59.2%	$302.7M-4.2%	$315.8M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$616.3M+18.8%	$519.0M+4.8%	$495.4M+11.2%	$445.6M+60.1%	$278.3M+1.6%	$273.8M
Total Equity	$567.3M-7.4%	$612.8M+33.9%	$457.5M-9.4%	$504.8M+17.3%	$430.5M+22.7%	$350.9M
Retained Earnings	$184.9M-20.3%	$232.1M-17.7%	$281.9M-10.9%	$316.3M-7.9%	$343.5M+1.0%	$339.9M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$1.3B+3.4%	$1.2B-0.9%	$1.2B-0.9%	$1.2B+5.3%	$1.2B+0.5%	$1.2B+16.5%	$1.0B-3.0%	$1.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$6.5M-30.3%	$9.3M+8.5%	$8.6M+1.5%	$8.4M-6.5%	$9.0M+10.3%	$8.2M+70.5%	$4.8M-29.1%	$6.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$696.6M+4.7%	$665.1M+0.9%	$659.2M+1.4%	$650.0M+14.3%	$568.8M-2.0%	$580.3M+12.0%	$518.0M-10.5%	$578.8M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$616.3M+2.0%	$604.2M-0.2%	$605.4M+0.5%	$602.2M+16.0%	$519.0M-1.5%	$526.8M+9.2%	$482.7M-11.0%	$542.0M
Total Equity	$567.3M+1.8%	$557.3M-2.9%	$574.1M-3.3%	$593.9M-3.1%	$612.8M+2.9%	$595.8M+21.1%	$491.8M+6.4%	$462.2M
Retained Earnings	$184.9M+8.2%	$170.8M-6.3%	$182.4M-17.2%	$220.3M-5.1%	$232.1M-11.2%	$261.4M-2.6%	$268.3M-3.4%	$277.7M

CTO Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$64.6M+7.9%	$59.9M+29.3%	$46.3M-17.4%	$56.1M+103.4%	$27.6M+62.9%	$16.9M
Capital Expenditures	N/A	N/A	N/A	$385.2M+50.0%	$256.9M+31.0%	$196.0M
Free Cash Flow	N/A	N/A	N/A	-$329.1M-43.5%	-$229.3M-28.0%	-$179.1M
Investing Cash Flow	-$71.5M+69.3%	-$232.7M-343.6%	-$52.5M+80.4%	-$267.6M-159.9%	-$103.0M-13.0%	-$91.1M
Financing Cash Flow	$30.7M-82.2%	$172.3M+6133.1%	$2.8M-98.6%	$201.4M+176.2%	$72.9M+371.2%	-$26.9M
Dividends Paid	$49.0M+21.8%	$40.3M+17.6%	$34.3M+18.6%	$28.9M+22.5%	$23.6M+63.0%	$14.5M
Share Buybacks	$9.4M+1308.9%	$664K-89.7%	$6.4M+130.6%	$2.8M+26.3%	$2.2M-46.1%	$4.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$6.9M-73.1%	$25.5M+16.3%	$21.9M+112.6%	$10.3M-26.5%	$14.0M-33.8%	$21.2M+64.5%	$12.9M+9.6%	$11.8M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$23.8M+447.2%	-$6.9M+11.9%	-$7.8M+90.4%	-$80.7M-365.4%	-$17.3M+90.1%	-$174.6M-1654.8%	$11.2M+121.6%	-$52.0M
Financing Cash Flow	-$7.1M+64.3%	-$19.9M-86.7%	-$10.7M-115.6%	$68.4M+533.3%	$10.8M-93.1%	$157.1M+579.4%	-$32.8M-188.1%	$37.2M
Dividends Paid	$12.2M-1.3%	$12.4M-0.3%	$12.4M+3.4%	$12.0M+0.6%	$11.9M+8.3%	$11.0M+26.7%	$8.7M+1.2%	$8.6M
Share Buybacks	$5.0M+16.3%	$4.3M	N/A	N/A	$0	$0	$0-100.0%	$664K

CTO Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	74.6%+1.3pp	73.3%+1.0pp	72.3%+0.1pp	72.2%+4.2pp	68.1%-4.9pp	73.0%
Operating Margin	22.8%+8.6pp	14.1%-10.2pp	24.3%+11.3pp	13.0%-20.3pp	33.2%+11.4pp	21.8%
Net Margin	6.8%+8.3pp	-1.6%-6.7pp	5.1%+1.2pp	3.8%-38.8pp	42.6%-96.6pp	139.3%
Return on Equity	1.8%+2.1pp	-0.3%-1.5pp	1.2%+0.6pp	0.6%-6.3pp	7.0%-15.4pp	22.4%
Return on Assets	0.8%+1.0pp	-0.2%-0.7pp	0.6%+0.2pp	0.3%-3.8pp	4.1%-7.7pp	11.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.09+0.2	0.85-0.2	1.08+0.2	0.88+0.2	0.65-0.1	0.78
FCF Margin	N/A	N/A	N/A	-399.7%-73.5pp	-326.3%-8.6pp	-317.7%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	75.0%-0.4pp	75.4%+2.5pp	73.0%-2.2pp	75.2%+0.8pp	74.4%+0.0pp	74.4%+3.3pp	71.1%-2.0pp	73.1%
Operating Margin	75.1%+48.5pp	26.6%+60.2pp	-33.7%-55.7pp	22.0%+42.4pp	-20.4%-36.0pp	15.6%-3.2pp	18.8%-32.8pp	51.6%
Net Margin	73.9%+66.2pp	7.7%+69.9pp	-62.2%-68.5pp	6.3%+48.9pp	-42.6%-62.2pp	19.6%+15.5pp	4.1%-16.7pp	20.8%
Return on Equity	5.0%+4.5pp	0.5%+4.6pp	-4.1%-4.5pp	0.4%+2.9pp	-2.5%-3.5pp	1.1%+0.8pp	0.2%-1.0pp	1.3%
Return on Assets	2.2%+2.0pp	0.2%+2.1pp	-1.9%-2.1pp	0.2%+1.5pp	-1.3%-1.8pp	0.5%+0.4pp	0.1%-0.4pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.090.0	1.08+0.0	1.05+0.0	1.01+0.2	0.85-0.0	0.88-0.1	0.98-0.2	1.17
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Cto Realty Growth Inc's annual revenue?

Cto Realty Growth Inc (CTO) reported $149.5M in total revenue for fiscal year 2025. This represents a 20.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Cto Realty Growth Inc's revenue growing?

Cto Realty Growth Inc (CTO) revenue grew by 20.1% year-over-year, from $124.5M to $149.5M in fiscal year 2025.

Is Cto Realty Growth Inc profitable?

Yes, Cto Realty Growth Inc (CTO) reported a net income of $10.1M in fiscal year 2025, with a net profit margin of 6.8%.

What is Cto Realty Growth Inc's EBITDA?

Cto Realty Growth Inc (CTO) had EBITDA of $94.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Cto Realty Growth Inc have?

As of fiscal year 2025, Cto Realty Growth Inc (CTO) had $6.5M in cash and equivalents against $616.3M in long-term debt.

What is Cto Realty Growth Inc's gross margin?

Cto Realty Growth Inc (CTO) had a gross margin of 74.6% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Cto Realty Growth Inc's operating margin?

Cto Realty Growth Inc (CTO) had an operating margin of 22.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Cto Realty Growth Inc's net profit margin?

Cto Realty Growth Inc (CTO) had a net profit margin of 6.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Cto Realty Growth Inc's return on equity (ROE)?

Cto Realty Growth Inc (CTO) has a return on equity of 1.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Cto Realty Growth Inc's operating cash flow?

Cto Realty Growth Inc (CTO) generated $64.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Cto Realty Growth Inc's total assets?

Cto Realty Growth Inc (CTO) had $1.3B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Cto Realty Growth Inc buy back shares?

Yes, Cto Realty Growth Inc (CTO) spent $9.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Cto Realty Growth Inc have outstanding?

Cto Realty Growth Inc (CTO) had 33M shares outstanding as of fiscal year 2025.

What is Cto Realty Growth Inc's debt-to-equity ratio?

Cto Realty Growth Inc (CTO) had a debt-to-equity ratio of 1.09 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Cto Realty Growth Inc's return on assets (ROA)?

Cto Realty Growth Inc (CTO) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Cto Realty Growth Inc's Piotroski F-Score?

Cto Realty Growth Inc (CTO) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Cto Realty Growth Inc's earnings high quality?

Cto Realty Growth Inc (CTO) has an earnings quality ratio of 6.40x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Cto Realty Growth Inc cover its interest payments?

Cto Realty Growth Inc (CTO) has an interest coverage ratio of 1.3x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Cto Realty Growth Inc?

Cto Realty Growth Inc (CTO) scores 59 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.