Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
CTO Realty GrowthCTO +1.12%72 Cash Ratio is 1.59 as of Mar. 2026, which is 141% above its 10-year median of 0.66. GuruFocus rates CTO with a GF Score™ of 72/100 and a GF Value™ of $18.78 (Modestly Overvalued). The stock has 12 warning signs investors should review. Among 732 REITs companies, CTO Realty Growth ranks better than 82.79% on this metric.
CTO Realty Growth has a Cash Ratio of 1.59. It generally indicates that the company is able to cover all short-term debt and still have cash remaining.
The historical rank and industry rank for CTO Realty Growth's Cash Ratio or its related term are showing as below:
CTO'
s Cash Ratio Range Over the Past 10 Years
Min: 0.03 Med: 0.66 Max: 4.75
Current: 1.59
During the past 13 years, CTO Realty Growth's highest Cash Ratio was 4.75. The lowest was 0.03. And the median was 0.66.
CTO's Cash Ratio is ranked better than 82.79% of 732
companies
in the REITs industry
Industry Median: 0.36
vs CTO: 1.59
CTO Realty Growth (NYSE:CTO) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
CTO Realty Growth Cash Ratio Related Terms
CTO Realty Growth Cash Ratio Historical Data
* Premium members only.
The historical data trend for CTO Realty Growth's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the REIT - Diversified subindustry, CTO Realty Growth's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CTO Realty Growth Cash Ratio vs REITs Industry
For the REITs industry and Real Estate sector, CTO Realty Growth's Cash Ratio distribution charts can be found below:
* The bar in red indicates where CTO Realty Growth's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CTO Realty Growth (CTO) has a Cash Ratio of 1.59 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on CTO Realty Growth and its competitors. This is 141% above median its historical median of 0.66. Over the past decade, CTO Realty Growth's Cash Ratio has ranged from 0.03 to 4.75. According to the industry distribution chart, CTO Realty Growth ranks #126 out of 732 companies in the REITs industry, placing it in the top 17.2%.
Is CTO Realty Growth's Cash Ratio too high?
CTO Realty Growth's current Cash Ratio of 1.59 is 141% above median its 10-year median of 0.66. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 4.75. The REITs industry median Cash Ratio is 0.36. CTO Realty Growth's value of 1.59 is 341.7% above this industry median. Based on the distribution chart, CTO Realty Growth ranks #126 out of 732 companies in the REITs industry, which is in the top quartile — a strong position relative to peers. Overall, CTO Realty Growth has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CTO Realty Growth's Cash Ratio compare to JBGS and GOOD?
According to the REITs industry distribution chart, CTO Realty Growth ranks #126 out of 732 companies for Cash Ratio. This places CTO Realty Growth in the top 17% of its industry — outperforming the majority of peers. The industry median Cash Ratio is 0.36. CTO Realty Growth's value of 1.59 is 341.7% above this benchmark. Historically, CTO Realty Growth's own Cash Ratio has ranged from 0.03 to 4.75 over the past decade. While the company's 10-year median is 0.66 vs. the industry median of 0.36, CTO Realty Growth has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a REITs company?
The median Cash Ratio among REITs companies is 0.36, based on 732 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CTO Realty Growth's current Cash Ratio of 1.59 is 341.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on CTO Realty Growth and its competitors. For the REITs industry, the median Cash Ratio is 0.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CTO Realty Growth's current Cash Ratio is 1.59, which is 141% above median its own 10-year median of 0.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CTO Realty Growth stock overvalued right now?
Based on GuruFocus' analysis, CTO Realty Growth (CTO) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.78, compared to a current price of $22.16 — trading 18% above its estimated fair value. The current Cash Ratio is 1.59, which is 141% above median its 10-year median of 0.66 and 341.7% above the REITs industry median of 0.36. CTO Realty Growth's overall GF Score™ is 72/100 with 12 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For CTO Realty Growth (CTO), the current Cash Ratio is 1.59 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CTO Realty Growth (CTO) Overvalued in 2026?
Based on GuruFocus' analysis, CTO Realty Growth stock appears to be overvalued.
The current stock price of $22.16 is trading 18% above its estimated GF Value™ of $18.78.
GuruFocus considers CTO Realty Growth to be Modestly Overvalued.
Key valuation signals for CTO:
Cash Ratio: 1.59 (141% above median its 10-year median of 0.66)
GF Value™: $18.78 vs. price of $22.16 (18% above fair value)
Industry Position: 341.7% above the REITs median (#126 of 732)
No single metric tells the full story. See the CTO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CTO Realty Growth Inc is a real estate investment trust company, that owns income properties in diversified markets in the United States. The company operates in four primary business segments: Income properties, management services, commercial loans and investments, and real estate operations. It derives maximum revenue from Income Properties.
72GF Score
Get the complete analysis for CTO
Cash Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CTO has been successfully added to your 
