CTO Realty Growth's Franklin acquires 601 shares

The share count used a $20.78050 price based on the 20-day trailing average closing price as of the quarter's last business day.

Rhea-AI Filing Summary

CTO Realty Growth, Inc. director Laura M. Franklin acquired 601 shares of common stock on October 1, 2026, issued in lieu of her third-quarter 2026 board retainer fee of $12,500. The price used to calculate the share award was $20.78050, based on the 20-day trailing average closing price as of the last business day of the calendar quarter. Her direct holdings following the transaction were 64,073 shares, including shares acquired through the dividend reinvestment plan since July 1, 2026.

Insider Trade Summary

Grant/Award: 601 shares

Grant/Award 1 txn

Insider FRANKLIN LAURA M

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1, F2	601	$20.7805	$12K

Holdings After Transaction: Common Stock — 64,073 shares (Direct)

Footnotes (2)

1. F1. These shares were issued to the Reporting Person in lieu of her 3rd quarter 2026 board retainer fee of $12,500 pursuant to the Issuer's Non-Employee Director Compensation Policy (the "Policy") adopted by the Issuer's board of directors on February 27, 2019 (last amended February 14, 2024). Pursuant to the Policy, the share price utilized to calculate the number of shares issued was the 20-day trailing average closing price as of the last business day of the calendar quarter, or $20.78050.
2. F2. This amount includes 275.370 shares acquired through the Issuer's dividend reinvestment plan since July 1, 2026 (the date of the Reporting Person's prior Form 4 filing).

Key Figures

Shares acquired: 601 shares Board retainer fee: $12,500 Calculation price: $20.78050 per share +1 more

4 metrics

Shares acquired 601 shares October 1, 2026; issued in lieu of a third-quarter 2026 board retainer fee

Board retainer fee $12,500 Third-quarter 2026 fee settled with shares

Calculation price $20.78050 per share 20-day trailing average closing price as of the last business day of the calendar quarter

Direct shares following transaction 64,073 shares Laura M. Franklin's reported holdings after the transaction

Key Terms

Non-Employee Director Compensation Policy, 20-day trailing average closing price, dividend reinvestment plan

3 terms

Non-Employee Director Compensation Policy financial

"pursuant to the Issuer's Non-Employee Director Compensation Policy"

20-day trailing average closing price financial

"the 20-day trailing average closing price as of the last business day"

dividend reinvestment plan financial

"acquired through the Issuer's dividend reinvestment plan"

A dividend reinvestment plan lets shareholders automatically use cash dividends to buy more shares of the same company instead of receiving the money. It matters to investors because it turns regular payouts into a steady way to grow ownership and take advantage of compound returns—like having your savings automatically buy additional slices of a pie over time—while often reducing transaction costs and smoothing purchase timing.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many shares did CTO director Laura M. Franklin receive?

Laura M. Franklin acquired 601 shares of CTO Realty Growth common stock on October 1, 2026, in lieu of her third-quarter 2026 board retainer fee of $12,500. Her reported direct holdings after the transaction were 64,073 shares.

How was Laura M. Franklin's CTO share award price determined?

The calculation used a price of $20.78050 per share, based on the 20-day trailing average closing price as of the last business day of the calendar quarter.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/02/2026 - 04:15 PM Accepted by SEC EDGAR 10/02/2026 - 04:15 PM Learn about SEC filing dates

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^*

FRANKLIN LAURA M

(Last) (First) (Middle)

1140 N. WILLIAMSON BLVD.

SUITE 140

(Street)

DAYTONA BEACH FLORIDA 32114

(City) (State) (Zip)

UNITED STATES

(Country)

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
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
10/01/2026

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

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

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

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	10/01/2026		A		601	A	$20.7805(1)	64,073(2)	D

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. These shares were issued to the Reporting Person in lieu of her 3rd quarter 2026 board retainer fee of $12,500 pursuant to the Issuer's Non-Employee Director Compensation Policy (the "Policy") adopted by the Issuer's board of directors on February 27, 2019 (last amended February 14, 2024). Pursuant to the Policy, the share price utilized to calculate the number of shares issued was the 20-day trailing average closing price as of the last business day of the calendar quarter, or $20.78050.

2. This amount includes 275.370 shares acquired through the Issuer's dividend reinvestment plan since July 1, 2026 (the date of the Reporting Person's prior Form 4 filing).

	/s/ Daniel E. Smith, attorney-in-fact for Laura M. Franklin	10/02/2026
	** 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.
* Form 4: SEC 1474 (03-26)