Laura M. Franklin - 11 Feb 2026 Form 4 Insider Report for CTO Realty Growth, Inc. (CTO)

Role: Director
Signature: /s/ Daniel E. Smith, attorney-in-fact for Laura M. Franklin
Issuer symbol: CTO
Transactions as of: 11 Feb 2026
Net transactions value: +$62,489
Form type: 4
Filing time: 13 Feb 2026, 17:45:08 UTC
Previous filing: 02 Jan 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
FRANKLIN LAURA M	Director	1140 N. WILLIAMSON BLVD., SUITE 140, DAYTONA BEACH	/s/ Daniel E. Smith, attorney-in-fact for Laura M. Franklin	13 Feb 2026	0001165972

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CTO	Common Stock	Award	$62,489	+3,462	+6%	$18.05	61,386	11 Feb 2026	Direct	F1

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	These shares were issued to the Reporting Person as her $62,500 "Annual Award" pursuant to the Issuer's Non-Employee Director Compensation Policy (the "Policy") adopted by the Issuer's board of directors on February 27, 2019 (last amended February 14, 2024). Pursuant to the Policy, the share price utilized to calculate the number of shares issued was the 20-day trailing average closing price as of February 5, 2026, or $18.05000.

Content

These shares were issued to the Reporting Person as her $62,500 "Annual Award" pursuant to the Issuer's Non-Employee Director Compensation Policy (the "Policy") adopted by the Issuer's board of directors on February 27, 2019 (last amended February 14, 2024). Pursuant to the Policy, the share price utilized to calculate the number of shares issued was the 20-day trailing average closing price as of February 5, 2026, or $18.05000.