WallStSmart

CTO Realty Growth Inc (CTO)vsAT&T Inc. 5.35% GLB NTS 66 (TBB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CTO leads profitability with a 32.6% profit margin vs 0.0%. TBB trades at a lower P/E of 3.8x. CTO earns a higher WallStSmart Score of 62/100 (C+).

CTO

Buy

62

out of 100

Grade: C+

Growth: 9.3Profit: 7.0Value: 7.7Quality: 5.5
Piotroski: 4/9Altman Z: 1.08

TBB

Avoid

25

out of 100

Grade: F

Growth: 4.0Profit: 5.0Value: 6.7Quality: 3.5
Piotroski: 5/9Altman Z: 0.87
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CTOUndervalued (+87.2%)

Margin of Safety

+87.2%

Fair Value

$144.13

Current Price

$20.71

$123.42 discount

UndervaluedFair: $144.13Overvalued

Intrinsic value data unavailable for TBB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CTO6 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
32.6%10/10

Keeps 33 of every $100 in revenue as profit

EPS GrowthGrowth
1200.0%10/10

Earnings expanding 1200.0% YoY

P/E RatioValuation
15.0x8/10

Attractively priced relative to earnings

Operating MarginProfitability
25.4%8/10

Strong operational efficiency at 25.4%

Revenue GrowthGrowth
16.5%8/10

16.5% revenue growth

TBB3 strengths · Avg: 9.0/10
P/E RatioValuation
3.8x10/10

Attractively priced relative to earnings

Market CapQuality
$132.56B9/10

Large-cap with strong market position

Free Cash FlowQuality
$5.17B8/10

Generating 5.2B in free cash flow

Areas to Watch

CTO4 concerns · Avg: 2.8/10
Market CapQuality
$776.32M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.9%3/10

ROE of 7.9% — below average capital efficiency

Debt/EquityHealth
1.043/10

Elevated debt levels

Free Cash FlowQuality
$-32.78M2/10

Negative free cash flow — burning cash

TBB4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

Comparative Analysis Report

WallStSmart Research

Bull Case : CTO

The strongest argument for CTO centers on Price/Book, Profit Margin, EPS Growth. Profitability is solid with margins at 32.6% and operating margin at 25.4%. Revenue growth of 16.5% demonstrates continued momentum.

Bull Case : TBB

The strongest argument for TBB centers on P/E Ratio, Market Cap, Free Cash Flow.

Bear Case : CTO

The primary concerns for CTO are Market Cap, Return on Equity, Debt/Equity.

Bear Case : TBB

The primary concerns for TBB are Revenue Growth, EPS Growth, Profit Margin.

Key Dynamics to Monitor

CTO profiles as a growth stock while TBB is a value play — different risk/reward profiles.

CTO is growing revenue faster at 16.5% — sustainability is the question.

TBB generates stronger free cash flow (5.2B), providing more financial flexibility.

Monitor REIT - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CTO scores higher overall (62/100 vs 25/100), backed by strong 32.6% margins and 16.5% revenue growth. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

CTO Realty Growth Inc

REAL ESTATE · REIT - DIVERSIFIED · USA

CTO Realty Growth, Inc. is a Florida-based publicly traded real estate company owning approximately 2 income properties.

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AT&T Inc. 5.35% GLB NTS 66

REAL ESTATE · REIT - RESIDENTIAL · USA

AT&T Inc. provides digital entertainment communications and services. The company is headquartered in Dallas, Texas.

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