JOE at a glance
ST JOE Co (JOE, SEC CIK 745308) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on July 29, 2026, an 8-K current report on July 29, 2026 and Form 4 insider filings as recently as June 23, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), ST JOE Co (JOE) reported revenue of $513.2 million (up 27.4% from FY2024) and net income of $115.6 million. Diluted EPS was $1.99.
- As of June 30, 2026, 34 institutional investment managers tracked by SignalX reported holding ST JOE Co (JOE) shares worth $1.2 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by BERKOWITZ BRUCE R on June 18, 2026 of 140,400 shares at $65.71 per share.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $513.2M
- +27.4% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 34 funds
- $1.2B · +1 vs prior quarter
- Latest 8-K
- Jul 29, 2026
- Item 8.01 · Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Real estate development and property management across residential, hospitality, and commercial segments in Northwest Florida
- Emphasis on joint ventures for property investments, notably Latitude Margaritaville Watersound community and multiple retail/commercial projects
- Strategic focus on expanding hospitality portfolio with ownership of multiple branded hotels and golf courses near residential communities
- Operational scale includes 22 residential communities with homesites completed or in various development stages as of Dec 31, 2025
- Noteworthy: Diverse property types under ownership including two marinas, multiple hotels, and commercial spaces highlighting integrated community development approach
Risk Factors
- Regulatory risk: Adoption of FASB ASU 2025-05 on credit loss measurement in July 2025, applied prospectively, with no current financial impact disclosed
- Geopolitical/macroeconomic risk: Cash deposits exceed FDIC insurance by $60.4 million as of December 31, 2025, exposing to potential institutional credit risk
- Operational risk: Dependency on three homebuilder customers accounting for 45.1% of receivables as of December 31, 2025, concentration risk in receivables portfolio
- Competitive risk: Increased hospitality segment revenue to $220.7 million in 2025 driven by club and hotel operations facing competition from local resorts and entertainment venues
- Financial risk: Outstanding debt principal of unconsolidated joint ventures declined from $131.2 million in 2024 to $79.7 million in 2025, indicating refinancing or repayment pressures
Management Discussion & Analysis
- Total real estate revenue $234.2M in 2025, up $91.0M or 63.6% YoY from $143.2M in 2024
- Gross profit margin stable at 50.8% in 2025 vs 50.9% in 2024 (gross profit $118.9M vs $72.9M)
- Best segment Residential: revenue $165.0M (+41.3%), gross margin 49.4% vs 46.9%, gross profit $81.5M (+$26.7M)
- Worst segment Commercial real estate: revenue $57.1M (+217.2%), gross margin down to 56.6% from 72.8%, gross profit $32.3M (+$19.2M)
- Hospitality revenue $215.4M (+8.1%), gross margin 31.1% vs 31.5%, gross profit $66.9M (+$4.1M)
- Leasing revenue $63.6M (+5.5%), margin increased to 55.3% from 52.2%, gross profit $35.2M (+$3.7M)
- Cash flow: interest expense down 9.2% to $30.5M; no explicit buybacks or dividends info provided; capex implied by increased depreciation (+$1.1M)
- Management outlook: growth in residential sales supported by mix and homebuilder closings; hospitality growth driven by new golf course and clubhouse reopening; risks from variable commercial property sales and operating cost pressures in hospitality segment
AI summary of the JOE 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- No material changes to 10-K risk factors reported for the quarter
- Carried-forward business risks remain the principal disclosed risk category
- Stock repurchase authorization increased to $200.0 million in May 2026
- $173.0 million repurchase authority remained available at June 30, 2026
- 499,700 shares repurchased during the quarter at average $65.42 per share
AI summary of the JOE 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- Quarterly cash dividend of $0.16 per share declared
- Payable September 18, 2026, to shareholders of record August 21, 2026
Item 2.02: Results of Operations and Financial Condition
- Q2 fiscal 2026 results for quarter ended June 30, 2026
- Press release furnished as Exhibit 99.1 with detailed financial results
Item EX-99.1: Item EX-99.1
- Q2 revenue rose 23% to $158.8M and net income 37% to $40.5M, demonstrating strong operating leverage
- Real estate revenue increased 59% to $69.6M, while hospitality reached a record $74.2M, offsetting a 9% leasing decline
Item 5.07: Submission of Matters to a Vote of Security Holders
- All six director nominees elected for terms expiring at the 2027 annual meeting
- Grant Thornton LLP ratified as independent auditor for fiscal 2026, with 52,025,888 votes for
Item 7.01: Regulation FD Disclosure
- Investor presentation for St. Joe’s 2026 Annual Shareholders Meeting scheduled May 12, 2026
- Presentation available on the company website and filed as Exhibit 99.1
AI summaries of JOE 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for JOE
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| BERKOWITZ BRUCE R | Sell | Jun 18, 2026 | 140,400 | $65.71 |
| BERKOWITZ BRUCE R | Sell | Jun 16, 2026 | 26,700 | $65.03 |
| BERKOWITZ BRUCE R | Sell | Jun 15, 2026 | 94,200 | $65.59 |
| BERKOWITZ BRUCE R | Sell | Jun 12, 2026 | 63,800 | $65.25 |
| BERKOWITZ BRUCE R | Sell | Jun 10, 2026 | 29,200 | $65.13 |
| BERKOWITZ BRUCE R | Sell | Jun 9, 2026 | 30,500 | $65.10 |
| BERKOWITZ BRUCE R | Sell | Jun 8, 2026 | 29,000 | $65.12 |
| BERKOWITZ BRUCE R | Sell | Jun 5, 2026 | 33,600 | $65.18 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $402.7M | $513.2M |
| Gross Profit | - | $167.2M | $221.0M |
| Operating Income | - | $95.6M | $146.2M |
| Net Income | - | $74.2M | $115.6M |
| Gross Margin | - | 41.5% | 43.1% |
| Op. Margin | - | 23.7% | 28.5% |
| Net Margin | - | 18.4% | 22.5% |
| Balance Sheet | |||
| Total Assets | - | $1.5B | $1.5B |
| Equity | - | $724.3M | $766.3M |
| ROE | - | 10.2% | 15.1% |
| Per Share | |||
| EPS | $1.33 | $1.27 | $1.99 |
| Cash Flow | |||
| Operating CF | - | $108.0M | $190.7M |
| CapEx | $6.2M | $7.7M | $4.1M |
Source: XBRL data in ST JOE Co (JOE)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate JOE share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 34 | $1.20B |
| Q1 2026 | 33 | $1.18B |
| Q4 2025 | 31 | $1.09B |
| Q3 2025 | 29 | $922.8M |
| Q2 2025 | 31 | $883.6M |
| Q1 2025 | 27 | $601.4M |
| Q4 2024 | 22 | $546.6M |
| Q3 2024 | 19 | $255.3M |
- BlackRock+165.6K (+3%)
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- State Street Corp+68.5K (+5%)
- Invesco Ltd+52.3K (+15%)
- Dimensional Fund Advisors+34.7K (+3%)
- Goldman Sachs Group−46.3K (-19%)
- Two Sigma Investments−46.1K (-27%)
- Bank of America Corp−39.2K (-17%)
- Renaissance Technologies LLC−30.8K (-56%)
- Prudential Financial−26.5K (-16%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 226 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
JOE filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Jul 29, 2026 | - | Analysis | - |
| 10-Q | Jul 29, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jun 23, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | Jun 11, 2026 | - | - | - |
| 4 | Jun 8, 2026 | - | - | |
| 8-K | May 14, 2026 | - | Analysis | |
| 4 | May 12, 2026 | - | - | |
| 8-K | May 12, 2026 | - | Analysis | |
| 4 | May 7, 2026 | - | - | |
| 8-K | May 4, 2026 | - | Analysis | - |
| 8-K | Apr 29, 2026 | - | Analysis | - |
| 10-Q | Apr 29, 2026 | Mar 31, 2026 | Analysis | |
| SC 13G | Apr 29, 2026 | - | - | |
| 4 | Mar 19, 2026 | - | - | - |
| 4 | Mar 6, 2026 | - | - | - |
| 4 | Mar 4, 2026 | - | - | - |
| 4 | Mar 4, 2026 | - | - | - |
| 4 | Mar 4, 2026 | - | - | - |
| 4 | Mar 4, 2026 | - | - | - |
| 4 | Feb 27, 2026 | - | - | - |
| 4 | Feb 27, 2026 | - | - | - |
| 10-K | Feb 25, 2026 | Dec 31, 2025 | Analysis | |
| 8-K | Feb 25, 2026 | - | Analysis | - |
| 4 | Feb 24, 2026 | - | - | - |
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JOE SEC filings: frequently asked questions
Which institutions hold JOE stock?
As of June 30, 2026, the largest ST JOE Co (JOE) holders among the 13F filers tracked by SignalX were BlackRock ($385.1 million), Vanguard Portfolio Management LLC ($245.7 million), Vanguard Capital Management LLC ($112.7 million), State Street Corp ($97.3 million), Dimensional Fund Advisors ($84.8 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was JOE's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), ST JOE Co (JOE) reported revenue of $513.2 million (up 27.4% from FY2024) and net income of $115.6 million. Diluted EPS was $1.99. The figures come from the XBRL data in the 10-K.
What are the main risks in JOE's latest 10-K?
In the 10-K filed February 25, 2026, ST JOE Co (JOE) flagged: Regulatory risk: Adoption of FASB ASU 2025-05 on credit loss measurement in July 2025, applied prospectively, with no current financial impact disclosed. Geopolitical/macroeconomic risk: Cash deposits exceed FDIC insurance by $60.4 million as of December 31, 2025, exposing to potential institutional credit risk. (AI summary of the Risk Factors section.)
What did JOE report in its latest 8-K?
ST JOE Co (JOE) filed an 8-K on July 29, 2026 reporting Item 8.01 (Other Events) and Item 2.02 (Results of Operations and Financial Condition). Quarterly cash dividend of $0.16 per share declared.
What are the latest JOE SEC filings?
ST JOE Co (JOE) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on July 29, 2026, an 8-K current report on July 29, 2026 and a Form 4 insider filing on June 23, 2026.
What is JOE's SEC CIK number?
ST JOE Co (JOE)'s SEC Central Index Key (CIK) is 745308. EDGAR lists every JOE filing under that number.
Ask anything about JOE
The research agent reads JOE's filings, financials, insider trades and 13F holders, then answers with sources.