[Form 4] CTO Realty Growth, Inc. Insider Trading Activity

Rhea-AI Filing Summary

John P. Albright, President & CEO and director of CTO Realty Growth, Inc., purchased 4,200 shares of the company’s common stock on 09/11/2025 at a weighted-average price of $16.534 per share. After the purchase he beneficially owns 632,547 shares directly, and 355 shares indirectly through Shanna E. Albright Rollover IRA. The total direct holdings include 62,410 restricted shares that vest over time and were previously reported. The filing discloses the purchase price range ($16.51–$16.55) and confirms the weighted-average price reflects multiple executions.

Insights

Securities Analyst

TL;DR: CEO purchased 4,200 shares at ~$16.53, modestly increasing insider stake; information is factual and not materially transformative.

The reported acquisition of 4,200 shares at a weighted-average price of $16.534 is a straightforward insider purchase by the President & CEO. The disclosure that 62,410 restricted shares are included in the direct total clarifies vesting exposure versus freely tradable shares. From a market-impact perspective this is routine insider activity and does not, by itself, indicate a material change to the company’s capitalization or control.

Corporate Governance Expert

TL;DR: Insider purchase aligns management with shareholder interests but is not a material corporate action.

The filing shows the reporting person serves as both President & CEO and a director, and completed an open-market purchase reported under Form 4. Disclosure of restricted shares in the beneficial ownership total improves transparency about vested versus unvested holdings. There are no departures, option exercises, or plan amendments disclosed.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Albright John P

(Last) (First) (Middle)

369 N. NEW YORK AVE

SUITE 201

(Street)

WINTER PARK FL 32789

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
CTO Realty Growth, Inc. [ CTO ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	PRESIDENT & CEO

3. Date of Earliest Transaction (Month/Day/Year)
09/11/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/11/2025		P		4,200	A	$16.534(1)	632,547(2)	D
Common Stock								355	I	Shanna E. Albright Rollover IRA

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The price reported is a weighted-average price. These shares were purchased in multiple transactions at prices ranging from $16.51 to $16.55, inclusive. The reporting person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price within the range set forth above.

2. This amount includes 62,410 shares of restricted common stock which vest over time, which were previously reported.

	/s/ Daniel E. Smith, attorney-in-fact for John P. Albright	09/11/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transaction did CTO insider John P. Albright report on Form 4?

The filing reports an open-market purchase of 4,200 shares of CTO common stock on 09/11/2025 coded as a purchase (P).

At what price were the CTO shares purchased by John P. Albright?

The shares were acquired at a weighted-average price of $16.534, with individual executions ranging from $16.51 to $16.55.

How many CTO shares does John P. Albright beneficially own after the transaction?

He beneficially owns 632,547 shares directly and 355 shares indirectly via a Rollover IRA.

Do the reported holdings include restricted or unvested shares?

Yes, the direct beneficial ownership total includes 62,410 restricted shares that vest over time and were previously reported.

What roles does the reporting person hold at CTO?

The reporting person is listed as both a Director and the company’s President & CEO.