CTO Realty Growth, Inc. (NYSE:CTO) Q3 2023 Earnings Conference Call October 27, 2023 9:00 AM ET Company Participants Matt Partridge – Chief Financial Officer John Albright – President and Chief Executive Officer Conference Call Participants Rob Stevenson – Janney Montgomery Scott Matthew Erdner – JonesTrading R.J. Milligan – Raymond James Operator Good day, and welcome to the CTO Realty Growth Third Quarter 2023 Operating Results Conference Call. At this time, all participants are in a listen-only mode. Aft ...

3 Absolute and Relative Valuation Upside CTO currently trades at a meaningful discount to net asset value (NAV) and a relative discount to its retail-focused peer group. Durable Portfolio with Meaningful Growth Opportunities Recently constructed retail and mixed-use portfolio with a combination of value-add lease up, redevelopment and stable, in-place cash flows in some of the strongest markets in the United States. 8 ▪ Track record of acquiring at meaningful discounts to replacement cost and below market l ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11350 CTO REALTY GROWTH, INC. (Exact name of registrant as specified in its charter) Maryland 59-0483700 (State or ot ...

Balance Sheet ▪ Adequate liquidity for opportunistic growth ▪ No near-term debt maturities ▪ Q2 2023 quarter-end net debtto-pro forma EBITDA of 7.9x | --- | --- | --- | --- | |------------------------------------|-------|----------------|-----------------------------------| | Component of Long-Term Debt Type | | Principal | Interest Rate | | 2025 Convertible Senior Notes | Fixed | $51.0 million | 3.88% | | 2026 Term Loan 2 | Fixed | $65.0 million | SOFR + 10 bps + [1.25% - 2.20%] | | Mortgage Note | Fixed | ...

CTO Realty Growth, Inc. (NYSE:CTO) Q2 2023 Earnings Conference Call July 28, 2023 9:00 AM ET Company Participants Matt Partridge - Chief Financial Officer John Albright - President & Chief Executive Officer Conference Call Participants Matthew Erdner - JonesTrading Rob Stevenson - Janney Montgomery Scott Ed Najarian - EF Hutton Craig Kucera - B. Riley Securities R.J. Milligan - Raymond James Michael Gorman - BTIG Operator Good day, and thank you for standing by. Welcome to CTO Realty Growth Second Quarter 2 ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Commission file number 001-11350 CTO REALTY GROWTH, INC. (Exact name of registrant as specified in its charter) Maryland 59-0483700 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No.) WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 ...

CTO Realty Growth, Inc. (NYSE:CTO) Q1 2023 Earnings Conference Call April 28, 2023 9:00 AM ET Company Participants Matt Partridge - Senior Vice President, Chief Financial Officer, and Treasurer John Albright - President and Chief Executive Officer Conference Call Participants Gaurav Mehta - EF Hutton Rob Stevenson - Janney Montgomery Scott Craig Kucera - B. Riley Securities Floris van Dijkum - Compass Point Operator Good day, and thank you for standing by. Welcome to the CTO Q1 2023 Earnings Conference Call ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11350 CTO REALTY GROWTH, INC. (Exact name of registrant as specified in its charter) Maryland 59-0483700 (State or other ...

CTO Realty Growth, Inc. (NYSE:CTO) Q4 2022 Earnings Conference Call February 24, 2023 9:00 AM ET Company Participants Matt Partridge - Chief Financial Officer John Albright - Chief Executive Officer & President Conference Call Participants Gaurav Mehta - EF Hutton Group Rob Stevenson - Janney Floris van Dijkum - Compass Point Matthew Erdner - JonesTrading Michael Gorman - BTIG Operator Thank you for standing by, and welcome to the CTO Realty Growth Fourth Quarter and Year-End 2022 Operating Results Conferen ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-11350 CTO REALTY GROWTH, INC. (Exact name of registrant as specified in its charter) Maryland 59-0483700 (State or other jurisdiction of incorporation or organiza ...