CTO (CTO Realty Growth) Retained Earnings: $176.4 Mil (As of Mar. 2026)

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CTO CTO Realty Growth Inc CTO
73 GF Score
Price $21.61
GF Value $18.69
Valuation Modestly Overvalued
! 12 Warning Signs
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What is CTO Realty Growth Retained Earnings?

CTO Realty Growth CTO +0.79% 73 Retained Earnings is $176.4 Mil as of Mar. 2026. GuruFocus rates CTO with a GF Score™ of 73/100 and a GF Value™ of $18.69 (Modestly Overvalued). The stock has 12 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. CTO Realty Growth's retained earnings for the quarter that ended in Mar. 2026 was $176.4 Mil.

CTO Realty Growth's quarterly retained earnings increased from Sep. 2025 ($170.8 Mil) to Dec. 2025 ($184.9 Mil) but then declined from Dec. 2025 ($184.9 Mil) to Mar. 2026 ($176.4 Mil).

CTO Realty Growth's annual retained earnings declined from Dec. 2023 ($281.9 Mil) to Dec. 2024 ($232.1 Mil) and declined from Dec. 2024 ($232.1 Mil) to Dec. 2025 ($184.9 Mil).


CTO Realty Growth  (NYSE:CTO) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


CTO Realty Growth Retained Earnings Historical Data

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The historical data trend for CTO Realty Growth's Retained Earnings 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.

CTO Realty Growth Retained Earnings Chart

CTO Realty Growth Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 343.46 316.28 281.94 232.09 184.89

CTO Realty Growth Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 220.27 182.36 170.83 184.89 176.44
CTO
73GF Score
CTO Realty Growth Inc CTO
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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CTO Realty Growth Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $176.4 Mil mean?
CTO Realty Growth (CTO) has a Retained Earnings of $176.4 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on CTO Realty Growth and its competitors.
Is CTO Realty Growth's Retained Earnings too high?
CTO Realty Growth's current Retained Earnings is $176.4 Mil. Overall, CTO Realty Growth has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CTO Realty Growth's Retained Earnings compare to GOOD and JBGS?
CTO Realty Growth's Retained Earnings of $176.4 Mil can be compared against companies in the REITs industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a REITs company?
A good Retained Earnings depends on the REITs industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on CTO Realty Growth and its competitors. CTO Realty Growth's current Retained Earnings is $176.4 Mil. 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 $18.69, compared to a current price of $21.61 — trading 15.6% above its estimated fair value. The current Retained Earnings is $176.4 Mil. CTO Realty Growth's overall GF Score™ is 73/100 with 12 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For CTO Realty Growth (CTO), the current Retained Earnings is $176.4 Mil 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 $21.61 is trading 15.6% above its estimated GF Value™ of $18.69. GuruFocus considers CTO Realty Growth to be Modestly Overvalued.

Key valuation signals for CTO:

  • Retained Earnings: $176.4 Mil
  • GF Value™: $18.69 vs. price of $21.61 (15.6% above fair value)
  • GF Score™: 73/100 with 12 warning signs

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 Business Description

Industry Real EstateREITs
Other Exchanges 8QB0:Germany
Address 369 N. New York Avenue, Suite 201, Winter Park, FL, USA, 32789
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.
73GF Score

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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.61
Price
$18.69
GF Value