Stock Ratings / Financials / CTO / dividends

INN (59) BFS (62) SAFE (51) CIM (30) ⌘ Pro Terminal →

CTO Realty Growth Inc. (CTO) Dividend Safety Gauge & 10-Year DRIP Compounder

$19.59 +2.94% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $19.66

CTO Realty Growth Inc. (CTO) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY) →

ROARABLE D • SELL / AVOID Cap $759.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CTO Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CTO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-02, CTO Realty Growth Inc. (NYSE: CTO) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $19.59 (+2.94% 1D, market cap $759.3M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, CTO ranks #675 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CTO compare to INN and BFS in the Financials sector?

▼

Within the Financials sector (Real Estate Investment Trusts), CTO carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 4.8%. By comparison, INN (Summit Hotel Properties Inc.) holds a C- grade (59/100 RQD, P/E N/A, ROIC 6.3%, cap $784.1M) and BFS (Saul Centers Inc.) posts a C grade (62/100 RQD, P/E 19.4x, ROIC 51.6%, cap $725.9M). Among the 5-stock peer group, SAFE leads on earnings multiple (7.0x) while BFS leads on capital efficiency (51.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CTO?

▼

Per CTO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000023795), CTO Realty Growth Inc. generated $149.5M in revenue (+20.1% YoY), $2.6M in net income, and $64.6M in free cash flow against $1.26B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $19.66 (+0.34%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 43.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CTO)Realized 20D OHLCV Swing Band: ±5.1%

Deterministic 5-Pillar Attribution (50/100 Composite)

🔍 WHY CTO SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (26% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$20.75-3.5% Next Q

Q2 (-2Q)

Grade C$20.02-1.9% Next Q

Q3 (-1Q)

Grade C-$19.64-0.3% Next Q

Current

Grade D$19.59-1.4% Hist 90D α

Trajectory: C (58) → D (50)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a CTO Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While CTO currently carries a cautious 50/100 (D) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($20.61) and Max Pain ($20.57) forces dealer call-delta covering toward $23.85.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CTO• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CTO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 50%NO 50%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

8.26% Total Yield

6.46% Cash ($1.27/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

49.3% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (19.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $58,399

Est. Year-10 Shareholder Yield: $4,824/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.9K

Yr 1

$14.2K

Yr 2

$17.0K

Yr 3

$20.3K

Yr 4

$24.2K

Yr 5

$28.8K

Yr 6

$34.4K

Yr 7

$41.0K

Yr 8

$49.0K

Yr 9

$58.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CTO)

✓Walkthrough of CTO's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CTO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -3.64%▼ DESCENDING CHANNEL

2026-11-02O $19.03H $19.59L $19.03C $19.59VOL 589.6K

RES: $20.54SUP: $18.39SMA50: $20.61SMA200: $20.24

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CTO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CTO Butterfly Map → + Track CTO →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

21.1%/yr Implied 5Y Growth

vs. +20.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CTO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CTO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CTO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CTO)

Financials Rank #675 of 1096 ⚔️ INN vs CTO Full Matrix →

1. Head-to-Head Financials Peer Comparison (CTO vs. INN, BFS, SAFE, CIM)

Industry: Real Estate Investment Trusts (172 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, CTO Realty Growth Inc. (CTO) ranks #675 by composite RQD confidence (50/100, grade D) and #609 by equity capitalization ($759.3M). Within this direct 5-issuer industry benchmark cohort, SAFE leads on earnings valuation at 7.0x trailing P/E, while BFS leads on capital efficiency and profitability with 51.6% ROIC and — gross margin. BFS currently holds the highest overall quantitative score in the immediate peer group at 62/100 (C) compared with CTO at 50/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CTO ACTIVE CTO Realty Growth Inc.	D	50/100	—	—	4.8%	+2.94%	$759.3M	Benchmark Subject
INN Summit Hotel Properties Inc.	C-	59/100	—	—	6.3%	+0.97%	$784.1M	/inn-vs-cto →
BFS Saul Centers Inc.	C	62/100	19.4x	—	51.6%	+1.56%	$725.9M	/bfs-vs-cto →
SAFE Safehold Inc.	D	51/100	7.0x	—	3.3%	+3.37%	$803.1M	/safe-vs-cto →
CIM Chimera Investment Corporation	E	30/100	—	—	9.0%	+1.80%	$709.9M	/cim-vs-cto →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000023795

In its most recent audited fiscal period (FY2025, filed 2025-12-31), CTO Realty Growth Inc. (CTO) reported GAAP revenue of $149.5M (+20.1% vs. FY2024 revenue of $124.5M , and +37.0% cumulative change since FY2023) , GAAP net income of $2.6M, operating cash flow of $64.6M, and free cash flow of $64.6M (+7.9% YoY). On the balance sheet, CTO closed FY2025 with $1.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$149.5M	$2.6M	$64.6M	$64.6M	$1.26B	—
FY2024 (FY)	2024-12-31	$124.5M	-$8.8M	$59.9M	$59.9M	$1.18B	—
FY2023 (FY)	2023-12-31	$109.1M	$758.0K	$46.3M	$46.3M	—	—

3. CTO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CTO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CTO compare to INN and BFS in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CTO?

Where is CTO trading relative to its 50-day, 200-day, and 52-week technical levels?

CTO last traded at $19.59 (+2.94% on volume of 589,585 shares), positioning the stock -4.95% below its 50-day simple moving average ($20.61) and -3.21% below its 200-day simple moving average ($20.24). Across its 52-week range of $16.50 to $22.71, CTO sits at the 49.8% percentile with a 14-day RSI of 42.4 (NEUTRAL RANGE) and an implied next-earnings move of ±5.1% ($18.59 to $20.59).

CTO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does CTO pay a dividend and is it safe?

CTO Realty Growth Inc. (CTO) offers a 6.46% cash dividend yield ($1.27 annualized) and 8.26% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: CTO RQD Cockpit CTO 12M Forecast CTO Earnings & Move CTO Dividends & DRIP CTO Insiders & 13F CTO Whale Options CTO Profit Sankey CTO News & Why