St Joe Company (JOE)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 62.20 $ — 59% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
NeutralGeprüft am 10.07.2026 gegen den Geschäftsbericht (10-K) Geschäftsjahr 2025 (eingereicht 25.02.2026), den jüngsten Quartalsbericht (10-Q) per 31.03.2026 sowie die DEF 14A 2026: In den ausgewerteten SEC-Filings der St. Joe Company findet sich kein wesentlicher KI-Bezug. St. Joe ist ein Immobilien-Entwickler und Grundbesitzer in Nordwest-Florida (Landbank rund 165.000 Acres, Segmente Immobilien/Hotellerie/Vermietung) — kein KI-Produkt, keine KI als Umsatzquelle, kein belegter operativer KI-Einsatz im Kerngeschaeft. Die einzigen Erwaehnungen von kuenstlicher Intelligenz stehen im Cybersecurity-Abschnitt (Item 1C) des 10-K: KI als Werkzeug von Angreifern sowie eine interne KI-/Generative-KI-Nutzungsrichtlinie fuer Mitarbeitende. Das ist eine generische Cybersecurity-Floskel plus eine Governance-Richtlinie, kein Geschaeftsmodell-Bezug und kein konkretes KI-Geschaeftsrisiko fuers eigene Modell. Nach dem Kriterienkatalog bleibt es damit bei „neutral“: St. Joe verkauft keine KI, nutzt sie nicht nachweisbar operativ und wird durch sie nicht erkennbar bedroht.
View the full file — quotes, sources, reviewed filings
„Additionally, the emergence of artificial intelligence has provided additional tools for those who perpetrate these attacks, including through social engineering, the development of customized malware, and an enhanced ability to evade detection."
Zudem hat das Aufkommen kuenstlicher Intelligenz denjenigen, die solche Angriffe verueben, zusaetzliche Werkzeuge an die Hand gegeben — unter anderem fuer Social Engineering, die Entwicklung massgeschneiderter Schadsoftware und eine verbesserte Faehigkeit, einer Entdeckung zu entgehen.
„… have established an Artificial Intelligence (“AI”) and Generative AI usage policy to establish guidelines for the acceptable and responsible use of AI and Generative AI tools by employees, contractors, and authorized third parties."
… haben wir eine Richtlinie zur Nutzung von kuenstlicher Intelligenz („KI“) und generativer KI eingefuehrt, um Leitlinien fuer den zulaessigen und verantwortungsvollen Einsatz von KI- und generativen KI-Werkzeugen durch Mitarbeitende, Auftragnehmer und autorisierte Dritte festzulegen.
Filings Reviewed: 10-Q 2026-04-29 · 10-Q 2025-10-29 · 10-Q 2025-07-23 · 10-Q 2025-04-23 · 10-K 2026-02-25 · 10-K 2025-02-26
Rated on July 10, 2026 · How the Rating Is Built
What the Earnings Calls Reveal
Red flags No target figuresThe St. Joe Company only introduced quarterly calls in the summer of 2025; we reviewed all four transcripts available so far, from 2025-Q2 through 2026-Q1. Operationally the company delivers: full-year 2025 revenue rose 27 percent to 513.2 million dollars, earnings per share reached 2.00 dollars, and the large-scale builder for the Pigeon Creek plan, flagged as being in talks for three straight quarters, was signed with PulteGroup in 2026-Q1. The one soft spot is disclosure of its own targets: every question about a concrete target figure - growth of recurring revenue, capital spending, cash levels, a KPI framework - is answered across all four calls without a single number. Management does give reasons (project-by-project business, market dependence, facts and circumstances), but it never states outright that it does not provide guidance. On top of that, the metric it calls the most important one - the share of recurring revenue - is quoted against a different period in every call.
4 calls reviewed, 2025-Q2 through 2026-Q1 · As of August 2, 2026
Five questions on targets, no number
In 2025-Q2 a shareholder asks for the growth target for recurring revenue over the next three to five years; the answer is that management cannot name an exact goal at this point and that it is project by project. In 2025-Q3 three further attempts follow: cumulative capital spending over the next three to five years, cash levels twelve to eighteen months out, and the cash level the company considers comfortable. The CEO answers the two cash questions with a reference to facts and circumstances and the spending question with a reference to its multifaceted capital allocation - none of them with a figure. In 2025-Q4 someone asks for the short- and long-term target share of recurring revenue; again the answer is only the intention to keep growing that share. Five questions about a target figure, five times no number. Management does give reasons, but in none of the four calls does it state outright that it provides no guidance as a matter of policy.
KPI framework requested, not promised
In 2025-Q3 a shareholder explicitly asks for a mid- and long-term financial framework with KPIs, revenue and cash flow targets, now that the business is running at a steadier rate. The CFO replies that the company will keep looking at its options and points to the additional schedules already added to the quarterly filing - no date and no commitment. The topic does not come up again in the 2025-Q4 or 2026-Q1 calls and no such framework was presented. Nothing was broken here, because nothing was promised. The same holds for the third-party valuation of the land and timber holdings described as in process in 2025-Q3: it was announced without a date and explicitly as work over time, and the comparable valuation of the operating properties had been presented at the May 2025 annual meeting. The next annual meeting was scheduled for 12 May 2026 and therefore falls after the last call reviewed.
Lead line drops net income
The prepared remarks of the 2025-Q2, 2025-Q3 and 2025-Q4 calls each lead with revenue and net income growth: 16 and 20 percent, then 63 and 130 percent, then 24 and 58 percent. In 2026-Q1 the opening sentence cites 5 percent revenue growth and 8 percent higher operating income. The 21 percent drop in net income follows four sentences later - with the figure, with the cause and in the same prepared remarks: equity in income from joint ventures fell to 3.5 from 10.2 million dollars, mainly on lower home closings at Latitude Margaritaville. The change of headline metric coincides with the first weak quarter, but nothing is withheld or dressed up. Nor are the gross margins quoted in 2026-Q1 a new theme: margins already featured in the prepared remarks in 2025-Q3 (homesites 53 versus 39 percent) and 2025-Q4 (homesites 51 versus 47, leasing 57 versus 54, hospitality 31 versus 32 percent).
Recurring revenue: three periods
Management calls the share of recurring revenue the most important part of its strategy - and quotes it in three of the four calls against a different reference period: 63 percent for the first half of 2025 (2025-Q2), 56 percent for the full year, set against 15 percent some 20 years ago (2025-Q4), and 60 percent for the quarter (2026-Q1); in 2025-Q3 the CFO gives absolute nine-month figures instead of a ratio. Each figure is correctly labelled on its own, but the calls alone do not allow a comparison over time. The gap between 63 percent for the half year and 56 percent for the full year is not addressed as such, yet it follows from the second half: the 41 million dollar sale of Watercrest and markedly higher homesite prices lifted transactional revenue faster than recurring revenue - both disclosed in the calls. The trade-off between monetising operating assets and growing recurring revenue is raised by the calls themselves: in 2025-Q3 management explicitly calls operating properties piggy banks that can be cashed in, and in 2026-Q1 it cites the Watercrest sale as an example of the deliberate exit from lower-margin leasing assets.
Buyback falls to a third
Buyback execution across the four calls: 10.1 million dollars in 2025-Q2, 8.7 million in 2025-Q3, 15.1 million in 2025-Q4 - according to the prepared remarks the highest quarterly figure of the year - then 5.0 million in 2026-Q1, less than both dividends (9.2 million) and debt reduction (10.9 million). The prepared remarks do not explain the drop and nobody asked. Two things belong in the picture: management calls repurchases a priority of capital allocation only in 2025-Q3, while in 2025-Q4 it calls them a component of capital allocation. And the swing had been flagged - as early as 2025-Q3 the CEO points out that the split varies from quarter to quarter and that buybacks are bound by trading windows and regulation; the yes to the 2025-Q4 question of whether buybacks are still prudent after a share price gain of roughly 40 percent is given in the transcript with exactly that caveat attached.
Pigeon Creek: delivered after three quarters
In 2025-Q2 the CEO reports talks with a large-scale builder interested in the entire Pigeon Creek plan - entitled for more than 3,000 residential units and more than 400,000 square feet of commercial space - and says a lot of progress has been made. In 2025-Q3 the update is that talks are ongoing with nothing specific to report; in 2025-Q4 management says it is pretty far along and cautiously optimistic. In 2026-Q1 the deal lands: a contract with PulteGroup, the third-largest homebuilder in the country and new to this market, for up to 2,653 homesites. Those 2,653 homesites cannot be netted against the more than 3,000 entitled residential units - homesites are single-family lots, while the plan also covers other residential formats and commercial space. No closing date had been promised in any call; management expects first revenue in early 2027.
Management promises
-
2025-Q2 kept
Talks with a large-scale builder for the entire Pigeon Creek plan are to be converted into a deal.
Delivered after three quarters of interim updates: 2026-Q1 reported a contract with PulteGroup for up to 2,653 homesites. That figure is not comparable with the more than 3,000 entitled residential units of the plan, which also covers commercial space and other residential formats. No date had ever been promised; management expects revenue from early 2027.
-
2025-Q3 open
Announcements about progress in attracting national apparel brands to the WaterSound Town Center are promised for the near future.
No date was given; the announcement was promised for the near future. Neither the 2025-Q4 nor the 2026-Q1 call named a brand. Progress on the same space was reported in 2025-Q4 though: 94,500 square feet under construction at the WaterSound Town Center and West Bay Center, about 76 percent pre-leased, plus the statement that inquiries from national and regional tenants keep coming in. Whether announcements were made outside the calls cannot be judged from the four transcripts - so the commitment is neither demonstrably met nor demonstrably missed.
-
2025-Q3 open
After the first third-party valuation range for the operating properties, a comparable approach for the land and timber holdings is being worked on and is described as in process.
The valuation was announced without a date and explicitly as work over a longer period. The 2025-Q4 call brought a question about value per undeveloped acre; the CEO pointed to existing tables and the absence of a single headline number without mentioning the valuation. The topic did not appear in 2026-Q1. The established venue for such disclosures is the annual meeting - where the company first showed a third-party valuation of its operating properties in May 2025; the next one was scheduled for 12 May 2026 and falls after the last call reviewed.
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2025-Q2 open
Construction of the marina on the Intracoastal Waterway has started; once all permits are in hand work will continue and the project will be completed.
Three quarters later, in 2026-Q1, the status is almost word for word the same: work started, a couple of permits still outstanding, then work will accelerate; the CEO sees no major regulatory hurdles, calling it a process. A questioner in 2026-Q1 noted the project had been at various stages of progress for over half a decade. No date was given in any of the four calls, and none was ever promised.
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2025-Q4 open
Announced for 2026: groundbreaking on two more detailed area plans, roughly 54,000 square feet of new commercial space at the WaterSound Town Center and West Bay Center, a new apartment complex and several new commercial ground leases.
The 2026-Q1 call reported the PulteGroup contract and a long-range water and sewer agreement for the Lake Powell and West Laird plans, with infrastructure work due to start later in the year. The 54,000 square feet of commercial space and the new apartment complex were not mentioned in 2026-Q1. The year is still running, so the commitment is neither met nor missed.
Based on public earnings call transcripts. Reviewed: 4 transcripts 2025-Q2 through 2026-Q1.
Growth Score
8 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 26.7% passed
- More than 10% revenue growth is expected for the coming year no data
- Share count grows by less than 3% a year -0.6% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 63.8% passed
- Gross margin at 40% or higher and without meaningful erosion 93.0% passed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 1.0 x EBITDA passed
- Operating cash flow covers the profits of the last three years 135 m passed
- Return on capital at 15% or higher, or up versus two years ago 9.7% passed
- Insiders hold at least 10% or are net buyers 0.4% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 69.5% below the current price.
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.32 | 43.50 | 104 | 20.30 | 18.10 | 30 | 28 |
| 2025: Q1 | 0.30 | 25.70 | 94 | 7.30 | 18.50 | 29 | 23 |
| 2025: Q2 | 0.51 | 21.00 | 129 | 15.70 | 22.90 | 31 | 30 |
| 2025: Q3 | 0.67 | 131.80 | 161 | 62.70 | 24.00 | 86 | 85 |
| 2025: Q4 | 0.52 | 60.20 | 129 | 23.50 | 23.20 | 44 | 44 |
| 2026: Q1 | 0.24 | -19.20 | 99 | 5.10 | 14.10 | 42 | 35 |
| 2026: Q2 | 0.71 | 39.20 | 159 | 23.00 | 25.50 | 44 | 43 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 96 | 2 | 16 | 0.21 | 13 | 687 | 1,028 |
| 2017 | 99 | 2 | 60 | 0.84 | 56 | 593 | 921 |
| 2018 | 110 | 29 | 32 | 0.52 | 41 | 533 | 871 |
| 2019 | 127 | 31 | 27 | 0.45 | 30 | 520 | 909 |
| 2020 | 161 | 47 | 45 | 0.77 | 37 | 551 | 1,037 |
| 2021 | 267 | 94 | 75 | 1.27 | 112 | 607 | 1,208 |
| 2022 | 252 | 61 | 71 | 1.21 | 48 | 631 | 1,431 |
| 2023 | 389 | 91 | 78 | 1.33 | 104 | 683 | 1,524 |
| 2024 | 403 | 96 | 74 | 1.27 | 108 | 724 | 1,539 |
| 2025 | 513 | 146 | 116 | 2.01 | 191 | 766 | 1,518 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
The St. Joe Company ist gemeinsam mit ihren Tochtergesellschaften als Immobilienentwicklungs-, Vermögensverwaltungs- und Betreibergesellschaft in den USA tätig.
| Employees | 906 |
|---|---|
| Headquarters | Panama City Beach, FL |
| Address | 130 Richard Jackson Boulevard, 32407 Panama City Beach, United States |
| Phone | 850 231 6400 |
| Website | joe.com |
| IPO Date | 10. Mar 1992 |
| ISIN | US7901481009 |
| Stock Split | 3:1 on 01/13/1998 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Jorge Luis Gonzalez | President, CEO, COO & Chairman of the Board | 1965 |
| Marek Bakun | Executive VP & CFO | 1972 |
| K. Rhea Goff | Senior VP, Chief Administrative Officer & Non-Independent Director | 1981 |
| Elizabeth J. Walters Esq., J.D. | Senior VP, Chief Legal Officer & Secretary | 1964 |
| David S. Harrelson | Senior Vice President of Timberland | 1956 |
| Patrick W. Murphy | Senior Vice President of Hospitality | 1971 |
| Diane Hausler | Senior Vice President | – |
| L. Park Brady Jr. | Special Advisor | 1948 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.