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CTO Realty Growth cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$24.6M in Q3 2026 · $65.5M over twelve months

Operating cash flow$24.6M
Free cash flow+$24.6M

Analysis

In Q3 2026, CTO Realty Growth generated $24.6M of operating cash flow. That is $6.2M less than in Q3 2025 ($30.8M).

Over the twelve months to Sep 30, 2026, operating cash flow was $65.5M; the largest uses were acquisitions ($269M), dividends ($53.3M), taxes on employees’ shares ($1.2M); besides operations, cash came from net borrowing (+) / repaid (−) ($116M), other financing ($105M); the cash balance rose by $3.5M.

Operating cash flow was $24.6M against net income of −$5.2M. The largest differences: depreciation & amortization +$17.4M, accrued liabilities +$11.6M, deferred revenue −$6.6M.

Free cash flow

CTO Realty Growth: free cash flow by quarterCTO Realty Growth: free cash flow by quarter$14.0MQ4 2024$10.3MQ1 2025$17.1MQ2 2025$30.8MQ3 2025$6.3MQ4 2025$14.6MQ1 2026$20.0MQ2 2026$24.6MQ3 2026
Operating cash flow less capital spending.
CTO Realty Growth: operating cash flow against capital spendingCTO Realty Growth: operating cash flow against capital spendingOperating cash flowCapital spending$14.0M$0Q4 2024$10.3M$0Q1 2025$17.1M$0Q2 2025$30.8M$0Q3 2025$6.3M$0Q4 2025$14.6M$0Q1 2026$20.0M$0Q2 2026$24.6M$0Q3 2026
Latest (Q3 2026): Operating cash flow $24.6M, Capital spending $0.

Capital allocation, year by year

CTO Realty Growth: where the cash came from (up) and went (down), by fiscal yearCTO Realty Growth: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $27.6MFY2021: Net borrowing $31.0MFY2021: Shares issued $72.4MFY2021: Capital spending −$257MFY2021: Acquisitions −$256MFY2021: Buybacks −$2.2MFY2021: Dividends −$23.6M$131MFY2021FY2022: Operating cash flow $56.1MFY2022: Net borrowing $147MFY2022: Capital spending −$385MFY2022: Acquisitions −$298MFY2022: Buybacks −$2.8MFY2022: Dividends −$28.9M$203MFY2022FY2023: Operating cash flow $46.3MFY2023: Net borrowing $49.2MFY2023: Shares issued $375KFY2023: Acquisitions −$80.3MFY2023: Buybacks −$6.4MFY2023: Dividends −$34.3M$95.9MFY2023FY2024: Operating cash flow $59.9MFY2024: Net borrowing $24.0MFY2024: Shares issued $33.6MFY2024: Acquisitions −$224MFY2024: Buybacks −$664KFY2024: Dividends −$40.3M$118MFY2024FY2025: Operating cash flow $64.6MFY2025: Net borrowing $113MFY2025: Shares issued $648KFY2025: Acquisitions −$145MFY2025: Buybacks −$9.4MFY2025: Dividends −$49.0M$178MFY2025
Over these 5 years operating cash flow totalled $254M; the largest uses were acquisitions ($1.0B) and capital spending ($642M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$8.8M
Debt$718M
Net debt$709M
Due within a year$17.8M

CTO Realty Growth funds itself: free cash flow was $65.5M over the last twelve months, and $8.8M of cash and investments stands against $718M of debt ($17.8M due within a year, 0.5× covered by cash).

CTO Realty Growth: debt maturities by year (FY2025)CTO Realty Growth: debt maturities by year (FY2025)$17.8MYear 1$251MYear 2$100MYear 3$125MYear 4$125MYear 5
Principal due in each year as disclosed in the annual report, against $8.8M of cash and investments now.

Where the cash came from and went

CTO Realty Growth: sources (+) and uses (−) of cash, Q3 2026CTO Realty Growth: sources (+) and uses (−) of cash, Q3 2026Acquisitions−$65.5MNet borrowing (+) / repaid (−)$62.2MOther investing−$47.0MOperating cash flow$24.6MCash drawn (+) / kept (−)$22.4MOther financing$17.9MDividends−$14.6M
CTO Realty Growth: sources (+) and uses (−) of cash, TTM to Q3 2026CTO Realty Growth: sources (+) and uses (−) of cash, TTM to Q3 2026Acquisitions−$269MNet borrowing (+) / repaid (−)$116MOther financing$105MOperating cash flow$65.5MDividends−$53.3MOther investing$39.9MCash drawn (+) / kept (−)−$3.5MTaxes on employees’ shares−$1.2M

From profit to cash

CTO Realty Growth: net income to operating cash flow, Q3 2026CTO Realty Growth: net income to operating cash flow, Q3 2026Net income−$5.2MDepreciation & amortization$17.4MStock-based pay$1.1MPayables$467KAccrued liabilities$11.6MDeferred revenue−$6.6MPrepaid and other assets−$3.6MIncome taxes payable$1KOperating cash flow$24.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$24.6M−$65.5M—−$14.6M$62.2M—$22.4M$24.6M
Q2 2026$20.0M−$56.4M—−$13.9M$9.0M—−$24.6M$20.0M
Q1 2026$14.6M−$81.8M—−$12.6M$33.0M$381K$22.2M$14.6M
Q4 2025$6.3M−$65.0M−$5.0M−$12.2M$12.0M$68K−$23.5M$6.3M
Q3 2025$30.8M—−$4.3M−$12.4M—$90K$1.3M$30.8M
Q2 2025$17.1M——−$12.0M$17.7M$89K−$3.5M$17.1M
Q1 2025$10.3M−$80.0M—−$12.0M$83.0M$401K$2.0M$10.3M
Q4 2024$14.0M−$16.6M—−$11.9M−$8.0M$89K−$7.5M$14.0M

CTO Realty Growth: income statement and cash flow

CTO Realty Growth, Q3 2026: revenue $46.9M (+24% year over year), operating margin 24.7%. The chart follows the revenue to costs, profit and cash.

CTO Realty Growth: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.