Current Report · Items 2.02, 7.01, 9.01 · 8-K

CTO Realty Growth, Inc.

CTONYSEEQUITYCurrent

Results of Operations and Financial Condition · Regulation FD Disclosure

Filed Feb 19, 2026Accepted Feb 19, 2026, 4:11 PM ESTCIK 23795Accession 0001104659-26-017542

Company context

CTO Realty Growth, Inc. owns and operates high-quality, open-air shopping centers located primarily in the higher growth Southeast and Southwest markets of the United States. CTO also externally manages and owns a meaningful interest in Alpine Income Property Trust, Inc. (NYSE: PINE), a publicly traded net lease REIT. We encourage you to review our most recent investor presentation and supplemental financial information, which is available on our website at www.ctoreit.com.

Current securities

CTONYSE · EQUITY · Current CTO PRANYSE · PREFERRED · Current

Recent company filings

Disclosure sections

Items 2.02, 7.01, 9.01

Select an item to read the extracted section. The as-filed document remains the primary evidence.

Item 2.02Item 2.02 - Results of Operations

Item 2.02. Results of Operations and Financial Condition On February 19, 2026, CTO Realty Growth, Inc., a Maryland corporation (the "Company"), issued an earnings press release, an investor presentation, and a supplemental disclosure package relating to the Company’s financial results for the quarter and year ended December 31, 2025. Copies of the press release, investor presentation, and supplemental disclosure package are attached hereto as Exhibits 99.1, 99.2 and 99.3, respectively, and are incorporated herein by reference. The information in Item 2.02 of this Current Report, including Exhibits 99.1, 99.2 and 99.3, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section. The information in this Current Report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, unless it is specifically incorporated by reference therein.

Item 7.01Item 7.01 - Regulation FD Disclosure

Item 7.01. Regulation FD Disclosure On February 19, 2026, the Company issued an earnings press release, an investor presentation, and a supplemental disclosure package relating to the Company’s financial results for the quarter and year ended December 31, 2025. Copies of the earnings press release, investor presentation, and supplemental disclosure package are attached hereto as Exhibits 99.1, 99.2 and 99.3, respectively, and are incorporated herein by reference. The furnishing of these materials is not intended to constitute a representation that such furnishing is required by Regulation FD or other securities laws, or that the materials include material investor information that is not otherwise publicly available. In addition, the Company does not assume any obligation to update such information in the future. The information in Item 7.01 of this Current Report, including Exhibits 99.1, 99.2 and 99.3, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that Section. The information in this Current Report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act or the Exchange Act, unless it is specifically incorporated by reference therein.

Filed exhibits (2)

EX-99.1 (by filename) cto-20260219xex99d1.htm

EX-99.1 2 cto-20260219xex99d1.htm EX-99.1 Press Exhibit 99.1 DRAFT DRATDDD Press Release First 2024 Operating Results First 2024 Operating Results FOR CTO Realty Growth Reports Fourth IMMEDIATE Quarter and Year End 2025 Operating Results RELEASE – Closed $165.9 million of investments at a weighted average initial cash yield of 9.0% in 2025 – – Signed comparable retail leases for a record 24% increase in cash base rent in 2025 – – Current signed-not-open pipeline of $6.1 million and record high leased occupancy of 95.9% – – Provides 2026 Outlook – WINTER PARK, FL - February 19, 2026 - CTO Realty Gro…

Open exhibit ↗

EX-99.2 (by filename) cto-20260219xex99d2.htm

EX-99.2 3 cto-20260219xex99d2.htm EX-99.2 Exhibit 99.2 Fourth Quarter 2025 Investor Presentation The Collection at Forsyth | Cumming, GA ─────────────────────────────────────────── 2 © CTO Realty Growth, Inc. | ctoreit.com $50M $51M $69M $97M $111M $132M 2020 2021 2022 2023 2024 2025 $496M $690M $919M $946M $1.3B $1.3B 12/31/20 12/31/21 12/31/22 12/31/23 12/31/24 12/31/25 Highlights Income Properties Revenues Enterprise Value As of December 31, 2025 unless otherwise noted. Metrics based on ABR represent cash ABR excluding the impact of straight-line rent. $0.49 Core FFO Per Share $209 Implied property value per square foot 167,000 Square feet of comparable leasing activity 31% Comparable leasing spread 84% ABR from Georgia, Florida, North Carolina & Texas 95.9% Leased Occupancy – 490 bps spread to 91.0% occupancy $6.1M SNO Pipeline – 5.8% of in-place ABR $20.77 Cash ABR PSF 4.3% Quarterly same-property NOI growth for shopping centers Q4 2025 Highlights 3 © CTO Realty Growth, Inc. | ctoreit.com Company Highlights Unless otherwise noted, metrics are as of December 31, 2025, and reflect a $18.41 per shar…