Is CLPR or CTO more undervalued in 2026?

CirclFi compares Clipper Realty Inc. (CLPR) and CTO Realty Growth, Inc. (CTO) using 13 institutional-grade valuation models. CLPR has a Quality of Company score of 5.6/10 while CTO scores 5.7/10.

Which is a better buy — CLPR or CTO?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do CLPR and CTO valuations compare?

CLPR at $3.14 and CTO at $20.55 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CLPR vs CTO Valuation Comparison 2026 — Intrinsic Value Analysis

CLPR

Real Estate Investment Trusts

Clipper Realty Inc.

Quality

5.6

out of 10

Value Trap

—

Price

$3.14

Last close

Models

10/13

Active

CTO

Real Estate Investment Trusts

CTO Realty Growth, Inc.

Quality

5.7

out of 10

Value Trap

WARN

Price

$20.55

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	CLPR Fair Value	CLPR Upside	CTO Fair Value	CTO Upside
Bayesian DCF	Intrinsic	$8.28	+163.6%	$17.26	-16.0%
Earnings Power Value	Intrinsic	$3.53	+12.4%	—	—
EROIC Spread	Intrinsic	$2.48	-21.2%	$3.89	-81.1%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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CLPR vs CTO — Which Stock Is More Undervalued?

CTO scores higher with a 5.7/10 quality rating vs CLPR's 5.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Clipper Realty Inc. (CLPR) and CTO Realty Growth, Inc. (CTO) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

CLPR currently trades at $3.14 with a QOC of 5.6/10, while CTO trades at $20.55 with a QOC of 5.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).