CTO Realty GrowthCTO +2.84%73 ROA % is 1.94% as of Mar. 2026, which is 53% below its 10-year median of 4.14. GuruFocus rates CTO with a GF Score™ of 73/100 and a GF Value™ of $18.50 (Modestly Overvalued). The stock has 12 warning signs investors should review. Among 938 REITs companies, CTO Realty Growth ranks worse than 70.58% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. CTO Realty Growth's annualizedNet Income for the quarter that ended in Mar. 2026 was $24.8 Mil.
CTO Realty Growth's average Total Assets over the quarter that ended in Mar. 2026 was $1,281.8 Mil. Therefore, CTO Realty Growth's annualized ROA % for the quarter that ended in Mar. 2026 was 1.94%.
The historical rank and industry rank for CTO Realty Growth's ROA % or its related term are showing as below:
CTO'
s ROA % Range Over the Past 10 Years
Min: -0.18 Med: 4.14 Max: 18.26
Current: 1.12
During the past 13 years, CTO Realty Growth's highest ROA % was 18.26%. The lowest was -0.18%. And the median was 4.14%.
CTO's ROA % is ranked worse than 70.58% of 938
companies
in the REITs industry
Industry Median: 3.22
vs CTO: 1.12
CTO Realty Growth (NYSE:CTO) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
CTO Realty Growth ROA % Related Terms
CTO Realty Growth ROA % Historical Data
* Premium members only.
The historical data trend for CTO Realty Growth's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs REITs Industry
For the REITs industry and Real Estate sector, CTO Realty Growth's ROA % distribution charts can be found below:
* The bar in red indicates where CTO Realty Growth's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
CTO Realty Growth (CTO) has a ROA % of 1.94% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on CTO Realty Growth and its competitors. This is 53% below median its historical median of 4.14. According to the industry distribution chart, CTO Realty Growth ranks #662 out of 938 companies in the REITs industry, placing it in the top 70.6%.
Is CTO Realty Growth's ROA % too high?
CTO Realty Growth's current ROA % of 1.94% is 53% below median its 10-year median of 4.14. The REITs industry median ROA % is 3.22. CTO Realty Growth's value of 1.94% is 39.8% below this industry median. Based on the distribution chart, CTO Realty Growth ranks #662 out of 938 companies in the REITs industry, which is below the industry midpoint. 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 ROA % compare to GOOD and JBGS?
According to the REITs industry distribution chart, CTO Realty Growth ranks #662 out of 938 companies for ROA %. This places CTO Realty Growth in the lower half of its industry. The industry median ROA % is 3.22. CTO Realty Growth's value of 1.94% is 39.8% below this benchmark. While the company's 10-year median is 4.14 vs. the industry median of 3.22, CTO Realty Growth has consistently been below 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 ROA % for a REITs company?
The median ROA % among REITs companies is 3.22, based on 938 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CTO Realty Growth's current ROA % of 1.94% is 39.8% below 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on CTO Realty Growth and its competitors. For the REITs industry, the median ROA % is 3.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CTO Realty Growth's current ROA % is 1.94%, which is 53% below median its own 10-year median of 4.14. 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 $18.50, compared to a current price of $21.74 — trading 17.5% above its estimated fair value. The current ROA % is 1.94%, which is 53% below median its 10-year median of 4.14 and 39.8% below the REITs industry median of 3.22. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For CTO Realty Growth (CTO), the current ROA % is 1.94% 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 $21.74 is trading 17.5% above its estimated GF Value™ of $18.50.
GuruFocus considers CTO Realty Growth to be Modestly Overvalued.
Key valuation signals for CTO:
ROA %: 1.94% (53% below median its 10-year median of 4.14)
GF Value™: $18.50 vs. price of $21.74 (17.5% above fair value)
Industry Position: 39.8% below the REITs median (#662 of 938)
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.
73GF Score
Get the complete analysis for CTO
ROA % 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 
