CTO Realty Growth Releases Second-Quarter 2026 Earnings and Financial Results

Timing and Distribution of Financial Results Disclosure

CTO Realty Growth announced its second-quarter and half-year 2026 financial results on July 28, 2026, through a coordinated release of three key documents: an earnings press release, an investor presentation, and a supplemental disclosure package. The company filed these materials as exhibits to a current report submitted to the Securities and Exchange Commission. Philip R. Mays, Senior Vice President, Chief Financial Officer, and Treasurer, signed the disclosure on behalf of the company, confirming the authenticity and authorization of the filing.

The disclosure materials were furnished to investors and market participants on the same date. The company emphasized that these materials were provided under Regulation FD guidelines, which require companies to disclose material information fairly to all investors simultaneously. The presentation of multiple formats—a traditional earnings press release alongside visual investor materials and supplemental data—reflects standard practice for real estate investment trusts communicating quarterly performance to their stakeholder base.

Composition of Financial Disclosure Materials

The company's financial disclosure package consisted of three distinct but complementary components designed to provide investors with comprehensive information about CTO Realty Growth's performance during the first half of 2026. The earnings press release serves as the formal announcement of financial results and typically includes management commentary on operational highlights. The investor presentation, structured as a visual document, allows investors and analysts to review key metrics, trends, and strategic information in graphical format. The supplemental disclosure package provides additional detailed financial data, schedules, and calculations that support the headline results.

By releasing these three materials in tandem, CTO Realty Growth ensured that investors had access to both high-level summaries and granular financial information. This multi-document approach is common among larger real estate investment trusts and publicly traded companies seeking to communicate complex financial and operational results clearly to diverse investor audiences, from institutional portfolio managers to individual shareholders and financial analysts covering the company's stock.

Real Estate Investment Trust Operating Model and Investor Focus

CTO Realty Growth operates as a real estate investment trust, a corporate structure that specializes in acquiring, owning, and managing income-producing properties. Real estate investment trusts are required by law to distribute substantially all taxable income to shareholders annually and are valued by investors primarily on their ability to generate recurring rental income, maintain property occupancy, and grow funds available for distribution to shareholders. The company's disclosure of quarterly and semi-annual results reflects the importance that REIT investors place on consistent monitoring of operational metrics and cash flow generation.

For a REIT trading on the New York Stock Exchange under multiple ticker symbols—both common stock (CTO) and preferred stock (CTO-PA)—regular and detailed financial reporting is essential to maintaining investor confidence and supporting accurate stock valuation. The June 30, 2026, results reporting date marks the conclusion of the company's second quarter, a key checkpoint for analyzing year-to-date performance and comparing results to prior-year periods. Preferred shareholders, represented by the CTO-PA ticker, have a priority claim on distributions and typically focus on the company's ability to sustain dividend payments consistent with the stated 6.375% annual rate on the preferred shares.

Corporate Structure and Registered Securities

CTO Realty Growth is incorporated in the State of Maryland and maintains its principal executive offices in Winter Park, Florida. The company's registered securities include common stock and preferred stock, both trading on the New York Stock Exchange. The common stock trades under the ticker symbol CTO, while the 6.375% Series A Cumulative Redeemable Preferred Stock trades under CTO-PA. The company's Internal Revenue Service Employer Identification Number is 59-0483700, and its SEC Commission File Number is 001-11350, both identifying markers for regulatory tracking and investor research.

The existence of both common and preferred stock classes reflects a capital structure designed to serve different investor objectives. Common shareholders participate in appreciation and growth but carry greater risk; preferred shareholders receive fixed quarterly distributions and have priority over common shareholders in liquidation scenarios. The filing confirms that both security classes remain actively traded on a major exchange, indicating continued investor interest and market liquidity for the company's securities.

Regulation FD Compliance and Disclosure Standards

The disclosure explicitly states that materials were furnished under Regulation FD, a Securities and Exchange Commission rule requiring public companies to disclose material information to all investors simultaneously, rather than selectively sharing information with preferred market participants such as large institutional investors or financial analysts. By furnishing the earnings press release, investor presentation, and supplemental package on July 28, 2026, CTO Realty Growth ensured that all shareholders, regardless of their portfolio size or relationship with the company, received the same information at the same time.

The company noted that the furnishing of these materials should not be construed as a representation that such disclosure was required under Regulation FD or that the materials necessarily contain material non-public information. This standard disclaimer reflects the company's desire to provide transparency while managing legal liability and maintaining clarity about which disclosures are formally required versus voluntary. The company further stated that it does not assume an obligation to update the information provided in the July 28, 2026, disclosure in the future, meaning investors should not expect the company to issue supplemental guidance or corrections based on changed conditions unless a material event triggers a separate disclosure requirement.

Integration of Exhibits and Reference Materials

The current report filing incorporated three exhibits by reference: the earnings press release (Exhibit 99.1), the investor presentation (Exhibit 99.2), and the supplemental disclosure package (Exhibit 99.3). Additionally, a cover page interactive data file (Exhibit 104) was embedded within the Inline XBRL document, a standardized digital format that allows investors, regulators, and data aggregators to extract and analyze financial information programmatically. This multilayered approach to disclosure—combining traditional documents with machine-readable data formats—reflects modern regulatory filing practices that balance readability with accessibility and analytical capability.

The exhibits are incorporated into the current report "by reference," meaning they are legally considered part of the official regulatory filing even though they appear as separate attachments rather than inline text. Investors and analysts accessing the filing through the SEC's EDGAR database can download these exhibits directly and integrate them into their investment analysis, modeling, or comparative studies. The supplemental disclosure package, in particular, likely contains detailed breakdowns of portfolio performance, property-level information, financial metrics specific to REIT operations, and other granular data that support the high-level results announced in the earnings press release.

Filing Status and Legal Implications

The company explicitly noted that the information furnished in Items 2.02 and 7.01 of the current report, including the three exhibits, is being "furnished" rather than "filed." This distinction carries legal significance under Section 18 of the Securities Exchange Act of 1934. Information that is furnished is not subject to the liabilities and potential legal exposure that attach to information deemed "filed," which means the company has less legal responsibility for the accuracy and completeness of commentary in the exhibits compared to core regulatory filings such as annual reports on Form 10-K or quarterly reports on Form 10-Q.

The company stated that the information shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933 or the Securities Exchange Act of 1934 unless specifically designated for such incorporation in a separate agreement or directive. This limitation prevents investors or the company from using the July 28, 2026, disclosure as a basis for future capital raises or other transactions without explicit approval. The legal structure of the filing thus protects the company from unintended consequences of the disclosure while still ensuring that all investors receive timely notice of quarterly results.

Investor Access and EDGAR Database Availability

The current report and all attached exhibits are available through the SEC's Electronic Data Gathering, Electronic Retrieval (EDGAR) system, the official public database where all U.S. public company filings are stored and indexed. Investors can access the filing by searching for CTO Realty Growth, Inc., using its Central Index Key (CIK) number 0000023795, or by searching the company name directly on the EDGAR website. The filing date of July 28, 2026, allows investors and market participants to locate and review the company's second-quarter disclosure alongside filings from other reporting periods, facilitating comparative analysis.

The supplemental disclosure package and investor presentation, while attached as exhibits rather than appearing as narrative sections within the filing itself, are searchable and downloadable through EDGAR. Financial analysts and investors who track CTO Realty Growth or monitor the broader real estate investment trust sector can incorporate the released data into their models, earnings estimates, and investment decisions. The public nature of the filing ensures that material information about the company's June 30, 2026, results is accessible to all market participants without barriers or delays.

Preferred Stock Dividend and Distribution Considerations

Investors holding the 6.375% Series A Cumulative Redeemable Preferred Stock, identified by the CTO-PA ticker, typically focus on the company's ability to generate sufficient cash flow to maintain quarterly dividend distributions on the preferred shares. The stated 6.375% annual coupon rate translates to quarterly payments to preferred shareholders at a fixed rate per share. The second-quarter and six-month results for the period ended June 30, 2026, provide critical data regarding whether the company's operating cash flow, funds from operations, and cash available for distribution remain sufficient to cover preferred distributions while supporting potential common stock dividends or debt service obligations.

For preferred shareholders, the supplemental disclosure package likely includes detailed cash flow statements, coverage ratios, and payout analysis that demonstrate the sustainability of preferred dividend payments under current operational and market conditions. The timing of the earnings announcement on July 28, 2026, allows the company adequate time to process the six-month results, conduct management discussions, and communicate with preferred and common shareholders prior to declaration and payment of third-quarter distributions. The public disclosure of financial results supports the integrity of the capital markets by ensuring all security holders possess the same information when making decisions about holding or trading their shares.