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CTO Realty Growth, Inc.

CTO · Real Estate

Last earnings Oct 27, 2026

Key results

Net incomequarter

$0.03

Third Quarter and Other 2025 Highlights ▪ Net Income attributable to common stockholders of $0.03 per diluted share.

SEC original ↗CTO Realty Growth, Inc. — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Same Property Net operating incomequarter

94.2%

Leased Occupancy 94.2% Occupancy 90.6% Same Property Net Operating Income During the three month period ended September 30, 2025 and 2024, the Company’s Same-Property NOI totaled $18.6 million and $18.2 million, respectively, as presented in the following table: Three Months Ended September 30, 2025 September 30, 2024 Variance to Comparable Period in the Prior Year Single Tenant $ 1,205 $ 1,176 $ 29 2.5% Multi-Tenant 17,442 17,047 395 2.3% Total $ 18,647 $ 18,223 $ 424 2.3% $ in thousands.

SEC original ↗CTO Realty Growth, Inc. — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Third Quarter and Other 2025 Highlights Net Income attributable to common stockholders of $0.03 per diluted share.

SEC original ↗CTO Realty Growth, Inc. — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Leased Occupancy 94.2% Occupancy 90.6% Same Property Net Operating Income During the three month period ended September 30, 2025 and 2024, the Company s Same-Property NOI totaled $18.6 million and $18.2 million, respectively, as presented in the following table: Three Months Ended September 30, 2025 September 30, 2024 Variance to Comparable Period in the Prior Year Single Tenant $ 1,205 $ 1,176 $ 29 2.5% Multi-Tenant 17,442 17,047 395 2.3% Total $ 18,647 $ 18,223 $ 424 2.3% $ in thousands.

SEC original ↗CTO Realty Growth, Inc. — Earnings release (8-K exhibit)EX-99Oct 28, 2025

AI analysis

Q3 2025 · reported Oct 28, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held

Diluted EPS · Q3 2025
$0.03
EX-99 · Oct 28, 2025
Net income · Q3 2025
$0.03
EX-99 · Oct 28, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
Net income$0.03——
Same Property Net operating income94.2%——

EX-99 · Oct 28, 2025

Guidance · company-stated

Company outlook

“The Company’s outlook for 2025 is as follows: Outlook Range for 2025 Change from Prior Outlook (Unaudited) Low High Low High Core FFO per Common Share - Diluted (1) $ 1.84 to $ 1.87 $ 0.04 to $ 0.01 AFFO per Common Share - Diluted (1) $ 1.96 to $ 1.99 $ 0.03 to $ 0.01 (1) Attributable to Common Stockholders Page 10 The Company’s 2025 outlook includes but is not limited to the following assumptions for the year ending December 31, 2025: ▪ Investments, including commercial loans or similarly structured investments, between $100.0 million and $200.0 million at a weighted average initial cash yield between 8.0% and 8.5%.”

Primary outlook statements conflict; no label forced — evidence preserved.

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

com 2 Table of Contents Third Quarter 2025 Earnings Release 4 Key Financial Information ▪ Consolidated Balance Sheets 14 ▪ Consolidated Statements of Operations 15 ▪ Non-GAAP Financial Measures 16 Capitalization & Dividends 19 Summary of Debt 20 Debt Maturity Schedule 21 Year -to -Date Investment & Disposition Activity 22 Real Estate Portfolio Capital Investments 23 Real Estate Portfolio Summary 24 Real Estate Portfolio Detail 25 Leasing Summary 27 © CTO Realty Growth, Inc.

▪ Closed on $150.0 million in new term loan financings at an initial fixed interest rate of 4.2%.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

CTO Realty Growth, Inc. Q3 2025 — Third Quarter and Other 2025 Highlights ▪ Net Income attributable to common stockholders of $0.03 per diluted share.

Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held

Guidance & outlook

Company outlook: “The Company’s outlook for 2025 is as follows: Outlook Range for 2025 Change from Prior Outlook (Unaudited) Low High Low High Core FFO per Common Share - Diluted (1) $ 1.84 to $ 1.87 $ 0.04 to $ 0.01 AFFO per Common Share - Diluted (1) $ 1.96 to $ 1.99 $ 0.03 to $ 0.01 (1) Attributable to Common Stockholders Page 10 The Company’s 2025 outlook includes but is not limited to the following assumptions for the year ending December 31, 2025: ▪ Investments, including commercial loans or similarly structured investments, between $100.0 million and $200.0 million at a weighted average initial cash yield between 8.0% and 8.5%.”

Company outlook — Raised (“Increased”)
“▪ Increased full year Core FFO and AFFO guidance per diluted share attributable to common stockholders.”

Company outlook — Raised (“increased”)
“2025 Outlook The Company has increased its Core FFO and AFFO outlook for 2025.”

Company outlook — Initiated (“initial”)
“The Company’s outlook for 2025 is as follows: Outlook Range for 2025 Change from Prior Outlook (Unaudited) Low High Low High Core FFO per Common Share - Diluted (1) $ 1.84 to $ 1.87 $ 0.04 to $ 0.01 AFFO per Common Share - Diluted (1) $ 1.96 to $ 1.99 $ 0.03 to $ 0.01 (1) Attributable to Common Stockholders Page 10 The Company’s 2025 outlook includes but is not limited to the following assumptions for the year ending December 31, 2025: ▪ Investments, including commercial loans or similarly structured investments, between $100.0 million and $200.0 million at a weighted average initial cash yield between 8.0% and 8.5%.”

Primary outlook statements conflict; no label forced — evidence preserved.

Capital allocation

com 2 Table of Contents Third Quarter 2025 Earnings Release 4 Key Financial Information ▪ Consolidated Balance Sheets 14 ▪ Consolidated Statements of Operations 15 ▪ Non-GAAP Financial Measures 16 Capitalization & Dividends 19 Summary of Debt 20 Debt Maturity Schedule 21 Year -to -Date Investment & Disposition Activity 22 Real Estate Portfolio Capital Investments 23 Real Estate Portfolio Summary 24 Real Estate Portfolio Detail 25 Leasing Summary 27 © CTO Realty Growth, Inc.

SEC original ↗CTO Realty Growth, Inc. — Earnings release (8-K exhibit)EX-99Oct 28, 2025

▪ Closed on $150.0 million in new term loan financings at an initial fixed interest rate of 4.2%.

SEC original ↗CTO Realty Growth, Inc. — Earnings release (8-K exhibit)EX-99Oct 28, 2025

▪ Repaid $65.0 million term loan due in March 2026.

SEC original ↗CTO Realty Growth, Inc. — Earnings release (8-K exhibit)EX-99Oct 28, 2025

▪ Repurchased during the quarter and through October 28, 2025, 571,473 shares of common stock for $9.3 million, or a weighted average price per share of $16.27.

SEC original ↗CTO Realty Growth, Inc. — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Capital Markets and Balance Sheet Our balance sheet as of September 30, 2025, included the following long-term debt and liquidity: ▪ As of September 30, 2025, the Company has $161.0 million of undrawn commitments, prior to borrowing base limitations, on our Revolving Credit Facility, and $9.3 million of cash on hand.

SEC original ↗CTO Realty Growth, Inc. — Earnings release (8-K exhibit)EX-99Oct 28, 2025

▪ Closed $150 million in term loan financings including (i) a new $125.0 million term loan due September 2030 (the “2030 Term Loan”), and (ii) a $25.0 million upsizing of the Company’s existing term loan due September 2029 (the “2029 Term Loan”).

SEC original ↗CTO Realty Growth, Inc. — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Strategy & priorities

Investment and disposition activity includes both properties and structured investments West Broad Village Glen Allen, VA 5.2M Square Feet 82% Of Portfolio ABR from Georgia, Florida, Texas & North Carolina 8.4% Implied Cap Rate 9.3% Annualized Dividend Yield 8.8x 2025 Core FFO Multiple at Guidance Midpoint $0.4 billion Total Disposition Activity: 2020-Present 1 $1.3 billion Total Acquisition Activity: 2020-Present 1 $598M Net Debt Outstanding $118M Series A Preferred $1.2B Enterprise Value $533M Equity Market Cap Shopping center REIT focused on open-air centers in fast growing MSAs in the Southeast and Southwest 4 © CTO Realty Growth, Inc.

SEC original ↗CTO Realty Growth, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

com © GeoNames, Microsoft, TomTom Powered by Bing 4% 36% Cash ABR % Focused on Southeast & Southwest U.

SEC original ↗CTO Realty Growth, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

It is also the year CTO changed its investment strategy to focus on multi-tenant, retail-focused properties largely located in CTO’s newly defined target markets.

SEC original ↗CTO Realty Growth, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

Notable achievements: o Formed a conservation mitigation bank on approximately 2,500 acres of land, resulting in the land being barred from development permanently preserved o Invested in LED lighting, recycling and waste reduction strategies, programmable thermostats, energy management systems in our office and/or at our owned properties o Conveyed over 11,000 acres of land to the State of Florida to significantly enlarge the neighboring Tiger Bay State Forest Tenant Alignment ▪ Alignment with environmentally aware tenants who have strong sustainability programs and initiatives embedded into their corporate culture and business practices 23 © CTO Realty Growth, Inc.

SEC original ↗CTO Realty Growth, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

We are a publicly traded, self-managed equity REIT that focuses on the ownership, management, and repositioning of high-quality retail and mixed-use properties located primarily in what we believe to be faster growing, business-friendly markets exhibiting accommodative business tax policies, outsized relative job and population growth, and where retail demand exceeds supply.

SEC original ↗CTO Realty Growth, Inc. — 10-Q Quarterly report10-QOct 27, 2026

Risks & headwinds

The Company’s 2025 outlook is subject to risks and uncertainties more fully described in this press release and the Company’s reports filed with the U.

SEC original ↗CTO Realty Growth, Inc. — Earnings release (8-K exhibit)EX-99Oct 28, 2025

The Company s 2025 outlook is subject to risks and uncertainties more fully described in this press release and the Company s reports filed with the U.

SEC original ↗CTO Realty Growth, Inc. — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Legal Proceedings 52 Item 1A.

SEC original ↗CTO Realty Growth, Inc. — 10-Q Quarterly report10-QOct 27, 2026

Among other factors, fluctuating market conditions that can exist in the national real estate markets and the volatility and uncertainty in the financial and credit markets make it possible that the estimates and assumptions, most notably those related to the Company s investments in income properties, could change materially due to continued volatility in the real estate and financial markets, or as a result of a significant dislocation in those markets.

SEC original ↗CTO Realty Growth, Inc. — 10-Q Quarterly report10-QOct 27, 2026

In June 2006, the FASB issued additional guidance, which clarifies the accounting for uncertainty in income taxes recognized in a company s financial statements included in income taxes.

SEC original ↗CTO Realty Growth, Inc. — 10-Q Quarterly report10-QOct 27, 2026

Documents

Earnings deck slides

0 decks with slide view

CTO Realty Growth, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

CTO Realty Growth, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

CTO Realty Growth, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

CTO Realty Growth, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

CTO Realty Growth, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

CTO Realty Growth, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

CTO Realty Growth, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

CTO Realty Growth, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

KE Holdings (BEKE) Real EstateInvitation Homes (INVH) Real EstateEquinix (EQIX) Real EstateAlexandria Real Estate Equities (ARE) Real EstateIron Mountain (IRM) Real EstateVici Properties (VICI) Real EstateMid-America Apartment Communities (MAA) Real EstateVivmark Residential (VMRK) Real Estate

Filings

32 documents

Earnings releases

21 documents

Presentations

8 documents

Transcripts

0 documents

No transcripts for CTO Realty Growth, Inc. are held in this edition of the library.

Mentioned by

7 companies

Other tracked companies whose held documents mention CTO Realty Growth, Inc. by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.