The St. Joe Company (JOE) FY 2025 Annual General Meeting May 13, 2025 10:00 AM ET Speaker0 Good morning. I'm George Gonzales, President, CEO and Chairman of the St. Joe Company. It's my pleasure to welcome you to our twenty twenty five Annual Shareholder Meeting. In accordance with the notice of meeting, I officially call the meeting to order, at this time. We will conduct this meeting in accordance with the agenda you were given when you registered this morning. If you have not registered, please do so at ...

ANNUAL MEEING OF SHAREHOLDERS May 13, 2025 CONSISTENT BUSINESS STRATEGY Expand portfolio of recurring income producing commercial and hospitality properties Develop residential communities with long term, scalable and repeatable revenue Multi-faceted capital allocation between capital expenditures for business growth, debt reduction, and stock repurchases Steady and growing dividend program HOW JOE IS POSITIONED 87% OF THE 167,000 ACRES OWNED ARE IN BAY, WALTON AND GULF COUNTIES ENTITLEMENTS TO DEVELOP OVER ...

Joe Velasco is a highly accomplished real estate professional and team leader at the Joe Velasco Group, which he founded in 2011. He has consistently ranked in the top 1% for sales volume among 1.4 million realtors in California and nationally for 12 consecutive years, according to RealTrends. Velasco has closed over $2 billion in sales volume since his career start in 2001. In 2024, the team achieved over $180 million in sales volume across 90 transactions. "We wanted to partner with Coldwell Banker Realty ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 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: 1-10466 The St. Joe Company (Exact name of registrant as specified in its charter) | Florida | 59-0432511 | | - ...

Exhibit 99.1 THE ST. JOE COMPANY REPORTS FIRST QUARTER 2025 RESULTS AND DECLARES A QUARTERLY DIVIDEND OF $0.14 Highlights for the first quarter of 2025 as compared to the first quarter of 2024: Panama City Beach, Florida – (April 23, 2025) – The St. Joe Company (NYSE: JOE) (the "Company," "We," or "Our") today reports first quarter 2025 results. Jorge Gonzalez, the Company's President, Chief Executive Officer and Chairman of the Board, said, "Despite macro- economic headwinds in some parts of the country, S ...

Group 1 - The core idea presented is that the price paid for an asset does not necessarily reflect its intrinsic value, as illustrated by the example of St. Joe (NYSE: JOE) [1] - The analysis emphasizes the importance of fundamental aspects of companies, including sector performance, competitive advantages, and management quality [1] Group 2 - The article does not provide any specific financial data or performance metrics related to St. Joe or the real estate sector [2][3]

Group 1 - Building Benjamins is a free stock picking and market commentary investment newsletter published by Tradition Investment Management, LLC [1] - Benjamin Halliburton, the founder, has a notable background in investment, having founded Tradition Capital Management in 2000 and received multiple accolades for his performance [1] - Halliburton has extensive experience in the investment field, starting his career at Merrill Lynch in 1986 and earning an MBA with a focus on finance from Duke's Fuqua School of Business in 1990 [1] Group 2 - Halliburton was recognized as the top-performing portfolio manager at Brundage, Story and Rose, where his "Disciplined Growth Strategy" outperformed the S&P 500 during the 1990s bull market [1] - He was the youngest partner at his firm and received high praise from senior managing partners for his investment skills [1]

Core Insights - The article discusses the author's past experience with St. Joe Company (NYSE: JOE), highlighting both profitable and unprofitable periods in the investment journey [1]. Company Overview - St. Joe Company has been a subject of interest for individual investors, particularly those focused on value investing strategies [1]. Investment Strategies - The author reflects on various investment strategies, including taking profits, reinvesting dividends, and the impact of market fluctuations on investment returns [1]. Personal Background - The author has a background in financial management education and has contributed to financial discussions through various platforms, indicating a level of expertise in financial analysis [1].

Business Segments - St. Joe operates in three reportable segments: residential, hospitality, and commercial[17]. - St. Joe's unconsolidated joint venture, Latitude Margaritaville Watersound JV, has met the conditions of a significant subsidiary as of December 31, 2024[20]. Workforce and Diversity - As of February 24, 2025, St. Joe employed 863 full-time and 194 part-time and seasonal employees[25]. - Approximately 32% of St. Joe's workforce identifies as racially diverse, and 47% of the workforce, including 50% of the executive management team, is female[32]. - The company has a history of investing in its workforce by offering competitive salaries and benefits[27]. Financials and Debt Management - The company has variable-rate debt totaling $184.6 million, with a weighted average interest rate of 6.5% as of December 31, 2024[299]. - A hypothetical 100 basis point increase in interest rates would increase annual interest expense by $1.4 million based on the outstanding balance of variable-rate loans[299]. - The company utilizes interest rate swap agreements to manage interest rate risk associated with variable-rate debt[299]. Revenue Trends - St. Joe's hospitality revenues are typically higher in the second and third quarters, influenced by holidays and school breaks[22]. - St. Joe's operations may be affected by seasonal fluctuations, impacting revenues and earnings significantly from period to period[21].

Exhibit 99.1 FOR IMMEDIATE RELEASE THE ST. JOE COMPANY REPORTS FOURTH QUARTER AND FULL YEAR 2024 RESULTS, DECLARES A QUARTERLY DIVIDEND OF $0.14 PER SHARE AND INCREASES THE STOCK REPURCHASE AUTHORITY TO $100 MILLION Highlights for the fourth quarter of 2024 compared to the fourth quarter of 2023: Panama City Beach, Florida – (February 26, 2025) – The St. Joe Company (NYSE: JOE) (the "Company") today reported fourth quarter and full year 2024 results. Jorge Gonzalez, the Company's President, Chief Executive ...