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FRPH US Equity

Frp Holdings, Inc.Real Estate · Real Estate · CIK 844059 · FY ends Dec 31
$22.68
+0.74 (+3.37%)
USD · as of 2026-08-21 · marketstack

FRPH · 10-K · period ended 2021-12-31

← all FRPH documents
filed 2022-03-30 · EDGAR original ↗

Our rendering of the filing — original pagination and typography are not reproduced, and tables are reduced to their short label cells (the figures live on FA). Nothing is summarized: every line below is the filing's own text.

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Item 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF

FINANCIAL CONDITION AND RESULTS OF OPERATION.

Information required in response to Item 7 is included

under the caption "Management’s Discussion and Analysis of Financial Condition and Results of Operation" on pages 10 through

21 of the Company’s 2021 Annual Report to Shareholders, and such information is incorporated herein by reference.

Item 7.A QUANTITATIVE AND QUALITATIVE DISCLOSURES

ABOUT MARKET RISK.

Interest Rate Risk - We are exposed to the

impact of interest rate changes through our variable-rate borrowings under our Credit Agreement with Wells Fargo.

Under the Wells Fargo Credit Agreement, the applicable

margin for borrowings at December 31, 2021 was Daily 1-Month LIBOR plus 1.0%. The applicable margin for such borrowings will be increased

in the event that our debt to capitalization ratio as calculated under the Wells Fargo Credit Agreement Facility exceeds a target level.

The Company did not have any variable rate debt outstanding

at December 31, 2021, so a sensitivity analysis was not performed to determine the impact of hypothetical changes in interest rates on

the Company’s results of operations and cash flows.

For our debt instruments with variable interest rates,

changes in interest rates affect the amount of interest expense incurred. The following table presents the principal cash flow payments

associated with our outstanding debt by year, weighted average interest rates on debt outstanding each year-end, and fair value of total

debt as of December 31, 2021 (dollars in thousands):

Item 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY

DATA.

Information required in response to this Item 8 is

included under the caption "Quarterly Results" on page 9 and on pages 22 through 41 of the Company's 2021 Annual Report to Shareholders.

Such information is incorporated herein by reference.

Item 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS

ON ACCOUNTING AND FINANCIAL DISCLOSURE.

None.

Item 9A. CONTROLS AND PROCEDURES.

CONCLUSION REGARDING THE EFFECTIVENESS OF DISCLOSURE

CONTROLS AND PROCEDURES

Under the supervision and with the participation of

our management, including our principal executive officer, principal financial officer and chief accounting officer, we conducted an evaluation

of our disclosure controls and procedures, as such terms are defined under Rule 13a-15(e) promulgated under the Exchange Act. Based on

this evaluation, our principal executive officer, our principal financial officer and our chief accounting officer concluded that our

disclosure controls and procedures were effective as of the end of the period covered by this Annual Report.

MANAGEMENT’S REPORT ON INTERNAL CONTROL OVER

FINANCIAL REPORTING

Our management is responsible for establishing and

maintaining adequate internal control over financial reporting, as such term is defined in Exchange Act Rule 13a-15(f). Under the supervision

and with the participation of our management, including our principal executive officer, principal financial officer and principal accounting

officer, we conducted an evaluation of the effectiveness of our internal control over

financial reporting based on the framework in the

Internal Control-Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO).

Based on our evaluation under the framework in the Internal Control-Integrated Framework (2013), our management concluded that

our internal control over financial reporting was effective as of December 31, 2021.

This Annual Report does not include an attestation

report of our Independent Registered Public Accounting Firm, Hancock Askew & Co., LLP, regarding internal control over financial reporting.

Management’s report was not subject to attestation by our Independent Registered Public Accounting Firm pursuant to rules of the

Securities and Exchange Commission that permit the Company to provide only management’s report in this Annual Report.

CHANGE IN INTERNAL CONTROL OVER FINANCIAL REPORTING

During the fourth quarter of 2021, there were no changes

in our internal control over financial reporting that have materially affected, or are reasonably likely to materially affect, our internal

control over financial reporting.

INHERENT LIMITATIONS OVER INTERNAL CONTROLS

Our internal control over financial reporting is designed

to provide reasonable assurance regarding the reliability of financial reporting and the preparation of consolidated financial statements

for external purposes in accordance with generally accepted accounting principles. Our internal control over financial reporting includes

those policies and procedures that:

Internal control over financial reporting cannot provide

absolute assurance of achieving financial reporting objectives because of its inherent limitations, including the possibility of human

error and circumvention by collusion or overriding of controls. Accordingly, even an effective internal control system may not prevent

or detect material misstatements on a timely basis. Also, projections of any evaluation of effectiveness to future periods are subject

to the risk that controls may become inadequate because of changes in conditions or that the degree of compliance with the policies or

procedures may deteriorate.

ITEM 9B. OTHER INFORMATION.

None.

ITEM 9C. DISCLOSURE REGARDING FOREIGN JURISDICTIONS

THAT PREVENT INSPECTIONS.

Not applicable.

PART III

Item 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE

GOVERNANCE.

The Company has adopted a Financial Code of Ethical

Conduct applicable to its principal executive officers, principal financial officers and principal accounting officers. A copy of this

Financial Code of Ethical Conduct is filed as Exhibit 14 to this Form 10-K. The Financial Code of Ethical Conduct is also available on

our web site at www.frpdev.com/investor-relations/corporate-governance/.

The rest of the information required in response to

this Item 10 is included under the captions “Board of Directors & Corporate Governance”, “Our Executive Officers”,

“Securities Ownership” in the Company's Proxy Statement, and such information is incorporated herein by reference. The Proxy

Statement will be filed with the Securities and Exchange Commission not later than March 31, 2022.

Item 11. EXECUTIVE COMPENSATION.

Information required in response to this Item 11 is

included under the caption “Executive Compensation” in the Company's Proxy Statement, and such information is incorporated

herein by reference. The Proxy Statement will be filed with the Securities and Exchange Commission not later than March 31, 2022.

Item 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL

OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS.

Equity Compensation Plan Information

Number of Securities

remaining available

Number of Securities for future issuance

to be issued upon Weighted average under equity

exercise of exercise price of compensation plans

outstanding options, outstanding options, (excluding securities

warrants and rights warrants and rights reflected in column (a))

Plan Category (a) (b) (c)

Equity compensation plans

Equity compensation plans

not approved by security holders 0 0 0

payout of the performance share awards

has been assumed, and the number of performance share awards has been calculated using our closing stock price on March 2, 2022 ($58.06).

The performance share awards are subject to partial or complete forfeiture if the vesting criteria are not met. Because some or all of

the performance share awards may not vest, and because the number of shares of restricted stock to be issued thereunder is dependent on

future stock prices, columns (a) and (c) may overstate or understate expected dilution.

The remainder of the information

required in response to this Item 12 is included under the captions “Securities Ownership” in the Company's Proxy Statement,

and such information is incorporated herein by reference. The Proxy Statement will be filed with the Securities and Exchange Commission

not later than March 31, 2022.

Item 13. CERTAIN RELATIONSHIPS AND RELATED

TRANSACTIONS, AND DIRECTOR INDEPENDENCE.

Information required in response to this Item 13 is

included under the captions “Related Party Transactions” and “Board of Directors & Corporate Governance” in

the Company's Proxy Statement, and such information is incorporated herein by reference. The Proxy Statement will be filed with the Securities

and Exchange Commission not later than March 31, 2022.

Item 14. PRINCIPAL ACCOUNTING FEES AND

SERVICES.

Our independent registered accounting firm is

Hancock Askew & Co., LLP, Jacksonville, Florida, Firm 794. Information required in response to this Item 14 is included under

the captions “Proposal 2: The Auditor Proposal” in the Company’s Proxy Statement, and such information is

incorporated herein by reference. The Proxy Statement will be filed with the Securities and Exchange Commission not later than March

31, 2022.

PART IV

Item 15. EXHIBITS, FINANCIAL STATEMENT

SCHEDULE.

(a) (1) Financial Statements.

The response to this item is submitted

as a separate section. See Index to Financial Statements on page 27 of this Form 10-K.

(3) Exhibits.

The response to this item is submitted

as a separate section. See Exhibit Index on pages 25 through 26 of this Form 10-K.

Item 16. FORM 10-K SUMMARY.

None.

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d)

of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto

duly authorized.

FRP Holdings, Inc.

Date: March 30, 2022 By JOHN D. BAKER II

John D. Baker II

Chief Executive Officer

(Principal Executive Officer)

By JOHN D. BAKER, III

John D. Baker, III

Treasurer and Chief Financial Officer

(Principal Financial Officer)

By JOHN D. KLOPFENSTEIN

John D. Klopfenstein

Controller and Chief Accounting

Officer (Principal Accounting Officer)

Pursuant to the requirements of the Securities Exchange

Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities indicated on

March 30, 2022.

(Principal Executive Officer)

FRP HOLDINGS, INC.

FORM 10-K FOR THE FISCAL YEAR

ENDED DECEMBER 31, 2021

EXHIBIT INDEX

21.1 Subsidiaries of Registrant at December 31, 2021

31.1 Certification of John D. Baker II.

31.2 Certification of John D. Baker III.

31.3 Certification of John D. Klopfenstein.

101.INS XBRL Instance Document Taxonomy Extension Schema

101.SCH XBRL Taxonomy Extension Schema Document

101.CAL XBRL Taxonomy Extension Calculation Linkbase

101.DEF XBRL Taxonomy Extension Definition Linkbase

101.LAB XBRL Taxonomy Extension Label Linkbase

101.PRE XBRL Taxonomy Extension Presentation Linkbase

FRP HOLDINGS, INC.

INDEX TO FINANCIAL STATEMENTS

(Item 15(a) (1) and 2))

Page

Consolidated Financial Statements:

Consolidated statements of income 52

Consolidated statements of comprehensive income 53

Consolidated statements of cash flows 55

Consolidated statements of shareholders' equity 56

Notes to consolidated financial statements 57-76

Report of Independent Registered Public Accounting Firm 78-79

Selected quarterly financial data (unaudited) 37-38

Consent of Independent Registered Public Accounting Firm 28

All schedules have been omitted, as they

are not required under the related instructions, are inapplicable, or because the information required is included in the consolidated

financial statements.

Exhibit 23

CONSENT OF INDEPENDENT REGISTERED PUBLIC

ACCOUNTING FIRM

FRP Holdings, Inc.

Jacksonville, Florida

We hereby consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333- 125099, 333-131475 and 333-216025) of FRP Holdings, Inc. of our report dated March 30, 2022, relating to the consolidated financial statements which appear in the Annual Report to Shareholders incorporated by reference herein.

Respectfully submitted,

Hancock Askew & Co., LLP

Jacksonville, Florida

March 30, 2022

Annual Report 2021

CONSOLIDATED FINANCIAL HIGHLIGHTS

Years ended December 31

(Amounts in thousands except per share

amounts)

%

Equity in loss of joint ventures $ (5,754 ) (5,690 ) 1.1

Gain on remeasurement of investment in real estate partnership $ 51,139 — —

Gain (loss) attributable to noncontrolling interest $ 11,879 (993 ) 1296.3

Per common share:

Net income attributable to the Company:

BUSINESS. FRP Holdings, Inc. is

a holding company engaged in the real estate business, namely (i) leasing and management of commercial properties owned by the Company,

(ii) leasing and management of mining royalty land owned by the Company, (iii) real property acquisition, entitlement, development and

construction primarily for apartment, retail, warehouse, and office buildings either alone or through joint ventures, (iv) ownership,

leasing and management of buildings through joint ventures. The Company’s operating subsidiaries are FRP Development Corp. and Florida

Rock Properties, Inc.

STRATEGY. Our strategy consists

of a re-deployment of proceeds from the May 2018 warehouse sale into asset classes that allow management to exploit its knowledge and

expertise. The asset classes of choice are mixed-use, raw land, existing buildings, and strategic partnerships located in core markets

with growth potential. Emphasis will be placed on generating returns through opportunistic disposition versus cash-flow and long-term

appreciation.

OBJECTIVE. We strive to improve

shareholder value through (1) active engagement with properties and partners to grow asset value, (2) contributing our operating expertise

and connections to maximize value and NOI growth, and (3) manage our capital structure in an efficient and responsible manner, with a

watchful eye on projected future market conditions and trends to facilitate timely disposition of selected assets, (4) balancing growth

against market pressure.

To Our Shareholders,

There is a concept in the study of cognitive behavior

known as “recency bias.” It is a phenomenon you are no doubt familiar with even if you have never heard the term. It is a

memory bias that favors recent events over historical ones, granting what is fresh in our memory a potency lacking in the more distant

past. This bias leads us to immediately declare the Chiefs-Bills playoff game as the greatest of all time (though that might actually

be true). A C-SPAN clip causes us to claim (incorrectly) that America has never been more politically divided, allowing the partisan name-calling

of today to seem more bitter than the Civil War. So, as we look forward into 2022 with 2021 fresh in our minds, some might feel a sense

of frustration. With the seemingly never-ending conveyor belt of new Covid variants, the looming specter of inflation, the moving targets

of herd immunity and normalcy—there is a temptation, and even a compulsion, to get caught up in the moment and think that after

another year of uncertainty, we are right back where we started, cautiously optimistic perhaps, but more cautious than optimistic. No

progress has been made, second verse same as the first. And yet, that description could not be less accurate.

2020 was a truly awful year—in another example

of recency bias, some were (mistakenly) inclined to call it the worst year in American history. It was chaotic, uncertain, and downright

scary—a period of time when keeping one’s head above water felt like real progress. That is not an accurate description of

most of 2021, particularly for this Company. In 2020, we were happy to see our assets behave normally in abnormal times. This year, we

wanted to move beyond normal, and begin enacting the first stage of a meaningful period of growth for this Company. By and large, we have

delivered on that.

This year saw the stabilization of The Maren; the

permanent financing of the Maren and the refinancing of Dock 79 at extremely favorable terms; the completion of construction on Riverside,

our first multifamily joint venture in Greenville, South Carolina; and the completion of construction at Bryant Street, where our anchor

retail tenant is in and operating and residential occupancy is over 50%. In 2021, we finished construction on two new warehouses at our

Hollander Business Park and began construction on a third, effectively exhausting all available developable inventory in our land bank,

and we sought to remedy exhausting our land bank by purchasing 17 acres of future industrial space. Finally, after years of speculating

on when, and even if, it might happen, Congress passed an infrastructure bill which should have a meaningful impact on future mining royalty

revenues. We ended 2020 with 569 multifamily units, 267,737 square feet of industrial, and $17,051,000 in NOI. At the end of 2021, we

had 1,256 multifamily units, 413,327 square feet of industrial, and $20,815,000 in NOI.

Despite selling our warehouse portfolio in 2018, we

remain committed to industrial real estate as an asset class through value-add purchases like Cranberry Run as well as developing our

remaining pad sites at Hollander Business Park. 2021 represented a big step forward in that commitment. As mentioned previously, this

year we completed construction on two new warehouses at Hollander totaling 145,590 square feet, we began construction on a 101,750 square-foot,

build-to-suit, and we purchased 17 acres in Harford County, Maryland where we plan to develop a 250,000 square foot, Class A warehouse

which will comprise the entirety of the developable space on the site. That is 497,000 square feet of industrial development. When added

to the 625,000 square feet of industrial development we have planned for our Crause Property adjacent to Cranberry Run which we purchased

last year, then we are talking about over a million square feet of industrial that did not exist prior to Covid.

The 2021 highlights of the Stabilized Joint Venture

segment have been mentioned previously but bear repeating. In March, the Maren achieved stabilization, meaning 90% of its units were leased

and occupied, triggering a change in control with the end result being that the asset is now consolidated on to our books in exactly the

same way Dock 79 is. Its balance sheet is now part of our balance sheet and its income statement flows through the Company’s income

statement. In addition to the one-time gain on remeasurement of $51.1 million, this consolidation has impacted and will continue to impact

our depreciation and amortization, greatly increasing both. As a result, the impact on net income may in fact be negative for some time,

but the positive impact on our NOI and cash flow will be significant. Around the same time that the Maren reached stabilization, the Company

simultaneously negotiated both the permanent financing of the Maren and a refinancing of Dock 79. This $180 million loan ($92 million

for Dock 79, $88 million for The Maren) lowered the interest rate at Dock 79 from 4.125% to 3.03%, deferred any principal payments for

12 years for both properties, and repaid our $13.75 million in preferred equity along with $2.3 million in accrued interest.

Covid measures continue to hamstring our retail tenants,

but a full baseball season with fans, particularly in the warm weather months when outdoor seating is not a problem, was

especially meaningful for our retail tenants in light of the

difficulties they faced in 2020. Build out of The Maren’s second retail space was completed at the beginning of 2022 and the retail tenant is open for business. Occupancy was strong throughout the year for both assets. Dock 79 was more than 94% occupied at the end of each

quarter in 2021 which is the first such year for this asset. Average annual occupancy was 95.47% for Dock 79, which is in line with the

highest average annual occupancy we’ve ever had there and an improvement over 2020’s rate of 93.13%. Average occupancy at

the Maren since stabilization was 94.84%. Renewal rates on expiring leases were strong for both buildings. 62.20% of Dock 79’s expiring

leases renewed vs 57.14% in 2020, and as the first generation of leases at the Maren expired, 67.40% renewed. These are positive developments,

to be sure, but the ability to grow NOI was mitigated severely by the fact that the District kept emergency protocols in place, preventing

us from evicting non-paying tenants and raising rent on renewals. Though evictions remain a long and complicated process, the prohibition

on raising rents was allowed to lapse at the end of 2021. Since we start renewal discussions several weeks in advance of expiration, the

prospect of rent increases will not kick in until February, and it remains to be seen if the renewal rates we saw during the rent freeze

persist when rents start moving more in line with where the market rather than the District dictates.

Construction continues on The Verge, our joint venture

with MRP in Buzzard Point, as well as .408 Jackson, our joint venture with Woodfield Development. We expect both projects to be complete

and leasing to begin in the third quarter of 2022. More pressing, as alluded to earlier, is the fact that we have finished construction

on both Bryant Street and Riverside. Bryant Street is a joint venture with MRP for the first phase of a multi-family mixed use project

in northeast Washington, DC. We have invested $32 million in common equity and another $23 million in preferred equity in this four building,

487-unit development. From both a capital and size perspective, Bryant Street is a big bet on the DC multi-family market. Construction

is now complete on all four buildings, leasing is underway, and our retail anchor, Alamo Drafthouse Cinema, is open for business. At year

end, Bryant Street’s residential units are 56.1% leased and 50.9% occupied, and its commercial space is 82.5% leased and 61.7% occupied.

Bryant Street’s primary amenities are the Alamo Drafthouse and its proximity to the DC Metro. Public transportation and indoor entertainment

are not yet the draws they used to be, but this project is an opportunity zone investment, and it is our intent to retain the property

for the ten-year hold period required to realize the full tax benefits associated with this program. We have a lengthy investment time

horizon on this project and we still believe the long term fundamentals are in place to make it successful. As mentioned previously, this

year we also completed construction on Riverside, our first multifamily joint venture in Greenville, South Carolina. Leasing began in

the third quarter on this 200-unit project, and at year end, it is 60% leased and 49% occupied.

The aggregates business is cyclical. Its three main

drivers are home construction, commercial construction, and infrastructure, and the first two correlate very strongly with the economy

and business cycle. A decade of more-or-less uninterrupted growth combined with the pricing power of aggregates producers has been very

kind to our mining tenants and this Company in turn. Since 2011, our royalty income has achieved a compound annual growth rate of 9%,

which while impressive, is perhaps unsustainable. Trees, as the saying goes, do not grow to the sky. If growth is the story of this Company

over the past year, mining royalties is seemingly the only segment that does not fit that narrative. Royalty revenue was slightly down

this year, and while steady, revenue has been more or less flat for the last three years (2019: $9.44 million; 2020: 9.48 million; 2021:

$9.47 million). A cursory glance at the numbers might lead a reasonable person to conclude that the segment has peaked or at the very

least plateaued. Anyone paying attention to this sector knows this is not the case. In 2019, the Company achieved $9 million in mining

royalty revenue for the very first time. In 2020, we were able to improve on the previous year’s mark despite the loss of double

minimums at our Lake Louisa location which left a $350,000 hole in revenue. In 2021, Vulcan temporarily shifted its mining activity off

our portion of the Manassas quarry leading to a $600,000 decrease in royalties at the location compared to 2020, and yet total royalty

revenue remained largely unaffected. That royalties were more or less flat two years in a row, despite major shortfalls in revenue at

specific locations, demonstrates the resilience of this segment and the quality of our tenants and locations. We have market exposure

in three of the country’s best aggregate producing states both in terms of production and pricing. Florida and Georgia, where the

bulk of our assets are located, have benefited in particular from accelerated migration to the Sun Belt where job growth and housing starts

continue to outpace the national average. These are markets where aggregates demand is already high, so the Infrastructure Investment

and Jobs Act will meaningfully impact our mining tenants. In whatever form this Act’s $110 billion investment in hard infrastructure

makes its way down to the markets our mining assets serve, the result will be an increase in demand when demand is already incredibly

high and supply is stretched. This should lead to meaningful price increases. We have always had the utmost confidence in our assets,

but we are particularly excited to see how they will perform in the next few years.

Every pandemic is different, but the one thing they

have in common is that they have all ended. The same will be true for

Covid. Unfortunately, 2021 was not the year it happened. The nation

and probably the world are suffering from Covid fatigue, and each variant that extends the abnormality that is our new, or at least current

normal, aggravates us. That aggravated recency bias can cause us to lose sight of how far we have come in the last two years. That is

true for this nation and it is true for this Company. As you have read in this letter, 2021 was a period of very meaningful growth where

we increased NOI by 22.11%, expanded our number of available multi-family units by 120.74%, and grew our industrial square footage by

54.38%. We are by no means at the finish line. This is merely the first step in a process to put our excess capital to work. While we

are pleased with the initial results, we will continue to work to ensure that, recency bias or not, this Company—your Company—is

one you are proud to own.

Respectfully yours,

John D. Baker II

C.E.O. and Executive Chairman

FORWARD LOOKING STATEMENTS

Certain matters discussed in this report

contain forward-looking statements, including without limitation relating to the Company's plans, strategies, objectives, expectations,

intentions, capital expenditures, future liquidity, and plans and timetables for completion of pending development projects. The words

or phrases “anticipate,” “estimate,” ”believe,” “budget,” “continue,” “could,”

“intend,” “may,” “plan,” “potential,” “predict,” “seek,” “should,”

“will,” “would,” “expect,” “objective,” “projection,” “forecast,”

“goal,” “guidance,” “outlook,” “effort,” “target” and similar expressions

identify forward-looking statements. The following factors and others discussed in the Company’s periodic reports and filings with

the Securities and Exchange Commission are among the principal factors that could cause actual results to differ materially from the forward-looking

statements: levels of construction activity in the markets served by our mining properties; risk insurance markets; availability and terms

of financing; competition; interest rates, inflation and general economic conditions; demand for warehouse/office facilities in the Baltimore-Washington-Northern

Virginia area; demand for apartments in Washington D.C., Richmond, Virginia and Greenville, South Carolina; and ability to obtain zoning

and entitlements necessary for property development. However, this list is not a complete statement of all potential risks or uncertainties.

These forward-looking statements are made

as of the date hereof based on management’s current expectations, and the Company does not undertake an obligation to update such

statements, whether as a result of new information, future events or otherwise. Additional information regarding these and other risk

factors may be found in the Company’s other filings made from time to time with the Securities and Exchange Commission.

OPERATING PROPERTIES

The Company owns (predominately in fee simple but

also through ownership of interests in joint ventures) approximately 20,000 acres of land in Florida, Georgia, Maryland, Virginia, South

Carolina, and the District of Columbia. This land is generally held by the Company in four distinct segments: (i) Asset Management Segment

(land owned and operated as income producing rental properties in the form of commercial properties), (ii) Mining Royalty Lands Segment

(land owned and leased to mining companies for royalties or rents), (iii) Development Segment (land owned and held for investment to be

further developed for future income production or sales to third parties), and (iv) Stabilized Joint Venture Segment (ownership, leasing

and management of buildings through joint ventures).

Asset Management Segment. As of December 31,

2021, the Asset Management Segment owned four commercial properties in fee simple as follows:

1) 34 Loveton Circle in suburban Baltimore County,

Maryland consists of one office building totaling 33,708 square feet which is 95.1% occupied (16% of the space is occupied by the Company

for use as our Baltimore headquarters). The property is subject to commercial leases with various tenants.

2) 155 E. 21st Street in Duval County,

Florida was an office building property that remains under lease through March 2026. We permitted the tenant to demolish all structures

on the property during 2018.

3) Cranberry Run Business Park in Hartford County,

Maryland consists of five office buildings totaling 267,737 square feet which are 81% occupied and 100% leased. The property is subject

to commercial leases with various tenants.

4) Hollander 95 Business Park in Baltimore City, Maryland

consists of two buildings totaling 145,590 square feet that were completed in the fourth quarter of 2021 and are 29.1% leased.

On May 21, 2018, the Company completed the disposition

of 40 industrial warehouse properties and three additional land parcels to an affiliate of Blackstone Real Estate Partners VIII, L.P.

for $347.2 million. The Company sold an additional warehouse property, which was excluded from the initial sale due to the tenant exercising

its right of first refusal to purchase the property, to the same buyer for $11.7 million on June 28, 2019. The warehouse portfolio sale

resulted in the disposition of all of the Company’s industrial flex/office warehouse properties prior to the sale date and constituted

a major strategic shift and, as a result, these properties have been reclassified as discontinued operations for all periods presented

in the financial statements filed herewith.

Mining Royalty Lands Segment – Mining Properties.The Company owns a fee simple interest in 13 open pit aggregates quarries located in Florida, Georgia and

Virginia, which comprise approximately 15,000 total acres. The Company’s quarries are subject to mining leases with various tenants,

including Vulcan Materials, Martin Marietta, Cemex, Argos, and The Concrete Company. Aggregates consist of crushed stone, sand, gravel,

fill dirt, limestone and calcium and are used primarily in construction applications.

Nine of the Company’s quarries (located in Grandin,

FL, Fort Myers, FL, Keuka, FL, Newberry, FL, Astatula, FL, Columbus, GA, Macon, GA, Tyrone, GA, and Manassas, VA; comprising 12,649 acres

in the aggregate) are currently being mined, and four of the Company’s quarries (located in Marion County, FL, Lake Louisa, FL,

and Lake Sand, FL and Forest Park, GA; comprising 2,452 acres in the aggregate) are leased but are not currently being mined. Our typical

mining lease requires the tenant to pay the Company a royalty based on the number of tons of mined materials sold from our mining property

during a given fiscal year multiplied by a percentage of the average annual sales price per ton sold. In certain locations, typically

where the reserves on the property have been depleted but the tenant still has a need for the leased land, we collect a minimum annual

rental amount. In the fiscal years ended December 31, 2021, 2020 and 2019, aggregate tons sold with respect to the Company’s mining

properties were approximately 7,575,000, 8,206,000 and 7,815,000, respectively.

In May 2014, the Company entered into an amendment

to our lease with Vulcan for our Fort Myers location requiring that the mining be accelerated and that the mining plan be conformed to

accommodate the future construction of up to 105 residential dwelling units around the mined lakes. In return, the Company granted Lee

County an option to purchase a right of way for a connector road that would benefit the residential area on our property and to place

a conservation easement on part of the property, which the County exercised in 2020. Mining activity commenced in 2017 following Lee County’s

issuance of a mine operating permit allowing Vulcan to begin production.

In November 2017, Lake County commissioners voted

to approve a permit to Cemex to mine the Company’s land in Lake Louisa, Florida. The county issued the permit in July 2019. After

completing the work necessary to prepare this site to become an active sand mine, Cemex expects to begin mining by March 2023.

Mining Royalty Lands Segment - Brooksville Joint

Venture. In 2006, a subsidiary of the Company entered into a joint venture agreement with Vulcan Materials Company to jointly own

and develop approximately 4,280 acres of land near Brooksville, Florida as a mixed-use community. In April 2011, the Florida Department

of Community Affairs issued its final order approving the development of the project consisting of 5,800 residential dwelling units and

over 600,000 square feet of commercial and 850,000 of light industrial uses. Zoning for the project was approved by the County in August

2012. Vulcan Materials still mines on the property and the Company receives 100% of the royalty on all tons sold at the Brooksville property.

In 2021, 280,000 tons were sold. During 2017, the Company extended the mining lease on this property for an additional ten years (through

2032) in exchange for an increase in production of 100,000 tons by December 31, 2023.

Mining Royalty Lands Segment - Other Properties.

The segment also owns an additional 107 acres of investment property in Brooksville, Florida.

Development Segment – Warehouse/Office Land.

At December 31, 2021, this segment owned the following

future development parcels:

Development Segment – Land Held for Investment

or Sale.

At December 31, 2021, this segment owned the following

development parcels:

located in Middle River, Maryland, into

a multi-building business park consisting of approximately 329,000 square feet of single-story office space. The project will take place

in several phases, with construction of the first phase, which includes two office buildings and two retail buildings totaling 100,030-square-feet

(inclusive of 27,950 retail), commenced in the fourth quarter of 2017 and was completed in January 2019. At December 31, 2021 Phase I

was 48.0% leased and 46.7% occupied, the subsequent phases will follow as each phase is stabilized.

Stabilized Joint Venture Segment.

At December 31, 2021, this segment owned the following

stabilized joint ventures:

Five Year Summary

(Amounts in thousands except per share amounts)

Years Ended December 31,

Summary of Operations:

Per Common Share:

Per Common Share:

Financial Summary:

Other Data:

Quarterly Results (unaudited)

(Dollars in thousands except per share

amounts)

For the Quarter Ended

March 31, June 30, September 30, December 31,

Earnings per common share (a):

Net income attributable to the Company-

Market price per common share (b):

For the Quarter Ended

March 31, June 30, September 30, December 31,

Earnings per common share (a):

Net income attributable to the Company-

Market price per common share (b):

(a) Earnings per share of common stock is computed

independently for each quarter presented. The sum of the quarterly net earnings per share of common stock for a year may not equal the

total for the year due to rounding differences.

(b) All prices represent high and low daily

closing prices as reported by The Nasdaq Stock Market.

MANAGEMENT’S DISCUSSION AND ANALYSIS OF

FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

The following discussion includes a non-GAAP financial

measure within the meaning of Regulation G promulgated by the Securities and Exchange Commission to supplement the financial results as

reported in accordance with GAAP. The non-GAAP financial measure discussed is net operating income (NOI). The Company uses this metric

to analyze its continuing operations and to monitor, assess, and identify meaningful trends in its operating and financial performance.

This measure is not, and should not be viewed as, a substitute for GAAP financial measures. Refer to “Non-GAAP Financial Measure”

below in this annual report for a more detailed discussion, including reconciliations of this non-GAAP financial measure to its most directly

comparable GAAP financial measure.

Executive Overview

FRP Holdings, Inc. (“FRP” or the “Company”)

is a real estate development, asset management and operating company businesses. Our properties are located in the Mid-Atlantic and southeastern

United States and consist of:

Lands leased to mining companies,

some of which will have second lives as development properties;

Residential apartments in Washington,

D.C.;

Warehouse or office properties

in the Mid-Atlantic states either existing or under development;

Mixed use properties under development

in Washington, D.C. or Greenville, South Carolina; and

Properties held for sale.

We believe our present capital structure, liquidity

and land provide us with years of opportunities to increase recurring revenue and long-term value for our shareholders. We intend to focus

on our core business activity of real estate development, asset management and operations. We are developing a broad range of asset types

that we believe will provide acceptable rates of return, grow recurring revenues and support future business. Capital commitments will

be funded with cash proceeds from completed projects, existing cash, owned-land, partner capital and financing arrangements. We do not

anticipate immediate benefits from investments. Timing of projects may be subject to delays caused by factors beyond our control.

Reportable Segments

We conduct primarily all of our business in the following

four reportable segments: (1) asset management (2) mining royalty lands (3) development and (4) stabilized joint ventures.

For more information regarding our reportable segments, see Note 10. Business Segments of our consolidated financial statements

included in this annual report.

Highlights of 2021.

Dock 79’s average annual occupancy was above

95% for the second time ever.

Third year in a row with mining royalties in excess

of $9.4 million.

Grew NOI by 22.11% from $17.05 million in 2020 to

$20.82 million in 2021

With construction complete on both Bryant Street

and Riverside, this year the Company added 687 residential units, an increase of 120.74% over last year

Asset Management Segment.

The Asset Management segment owns, leases and manages

commercial properties. These assets create revenue and cash flows through tenant rental payments, lease management fees and reimbursements

for building operating costs. The Company’s industrial warehouses typically lease for terms ranging from 3 – 10 years often

with 1 or 2 renewal options. All base rent revenue is recognized on a straight-lined basis. All of the commercial warehouse leases

are triple net and common area maintenance costs (CAM Revenue) are billed monthly, and insurance and real estate taxes are billed annually.

34 Loveton is the only office product wherein all leases are full service therefore there is no CAM revenue. Office leases are also

recognized on a straight-lined basis. The major cash outlays incurred in this segment are for operating expenses, real estate taxes, building

repairs, lease commissions and other lease closing costs, construction of tenant improvements, capital to acquire existing operating buildings

and closing costs related thereto and personnel costs of our property management team.

As of December 31, 2021, the Asset Management Segment

owned four commercial properties in fee simple as follows:

1) 34 Loveton Circle in suburban Baltimore County,

Maryland consists of one office building totaling 33,708 square feet which is 95.1% occupied (16% of the space is occupied by the Company

for use as our Baltimore headquarters). The property is subject to commercial leases with various tenants.

2) 155 E. 21st Street in Duval County,

Florida was an office building property that remains under lease through March 2026. We permitted the tenant to demolish all structures

on the property during 2018.

3) Cranberry Run Business Park in Hartford County,

Maryland consists of five office buildings totaling 267,737 square feet which are 81% occupied and 100% leased. The property is subject

to commercial leases with various tenants.

4) Hollander 95 Business Park in Baltimore City, Maryland

consists of two buildings totaling 145,590 square feet that were completed in the fourth quarter of 2021and are 29.1% leased.

Management focuses on several factors to measure our

success on a comparative basis in this segment. The major factors we focus on are (1) net operating income growth, (2) growth in occupancy,

(3) average annual occupancy rate (defined as the occupied square feet at the end of each month during a fiscal year divided by the number

of months to date in that fiscal year as a percentage of the average number of square feet in the portfolio over that same time period),

(4) tenant retention success rate (as a percentage of total square feet to be renewed), (5) building and refurbishing assets to meet Class

A and Class B institutional grade classifications, and (6) reducing complexities and deferred capital expenditures to maximize sale price.

Mining Royalty Lands Segment.

Our Mining Royalty Lands segment owns several properties

comprising approximately 15,000 acres currently under lease for mining rents or royalties (excluding the 4,280 acres owned by our Brooksville

joint venture with Vulcan Materials). Other than one location in Virginia, all of these properties are located in Florida and Georgia. The

Company leases land under long-term leases that grant the lessee the right to mine and sell reserves from our property in exchange for

royalty payments. A typical lease has an option to extend the lease for additional terms. The typical lease in this segment requires the

tenant to pay us a royalty based on the number of tons of mined materials sold from our property during a given fiscal year multiplied

by a percentage of the average annual sales price per ton sold. As a result of this royalty payment structure, we do not bear the cost

risks associated with the mining operations, however, we are subject to the cyclical nature of the construction markets in these states

as both volumes and prices tend to fluctuate through those cycles. In certain locations, typically where the reserves on our property

have been depleted but the tenant still has a need for the leased land, we collect a minimum annual rental amount. We believe strongly

in the potential for future growth in construction in Florida, Georgia, and Virginia which would positively benefit our profitability

in this segment. In the

fiscal year ended December 31, 2021, a total of 8

million tons were mined.

The major expenses in this segment are comprised of

collection and accounting for royalties, management’s oversight of the mining leases, land entitlement for post-mining uses and

property taxes at our non-leased locations and at our Grandin location which, unlike our other leased mining locations, are not entirely

paid by the tenant. As such, our costs in this business are very low as a percentage of revenue, are relatively stable and are not affected

by increases in production at our locations. Our current mining tenants include Vulcan Materials, Martin Marietta, Cemex, Argos and The

Concrete Company.

Additionally, these locations provide us with opportunities

for valuable “second lives” for these assets through proper land planning and entitlement.

Significant “2nd life” Mining

Lands:

Location Acreage Status

Development Segment.

Through our Development segment, we own and are continuously

monitoring for their “highest and best use” several parcels of land that are in various stages of development. Our overall

strategy in this segment is to convert all our non-income producing lands into income production through (i) an orderly process of constructing

new commercial and residential buildings for us to own and operate or (ii) a sale to, or joint venture with, third parties. Additionally,

our Development segment will purchase or form joint ventures on new developments of land not previously owned by the Company.

Revenues in this segment are generated predominately

from land sales and interim property rents. The significant cash outlays incurred in this segment are for land acquisition costs, entitlement

costs, property taxes, design and permitting, the personnel costs of our in-house management team and horizontal and vertical construction

costs.

Development Segment – Warehouse/Office Land.

At December 31, 2021, this segment owned the following

future development parcels:

We also have three properties that were either spun-off

to us from Florida Rock Industries in 1986 or acquired by us from unrelated third parties. These properties, as a result of our “highest

and best use” studies, are being prepared for income generation through sale or joint venture with third parties, and in certain

cases we are leasing these properties on an interim basis for an income stream while we wait for the development market to mature.

Development Segment - Significant Investment Lands

Inventory:

Location Approx. Acreage Status NBV

Development Segment - Investments in Joint Ventures

The third leg of our Development Segment consists

of investments in joint venture for properties in development. The Company has investments in joint ventures, primarily with other real

estate developers which are summarized below:

Property JV Partner Status % Ownership

Joint ventures where FRP is not the primary beneficiary

are reflected in the line “Investment in joint ventures” on the balance sheet and “Equity in loss of joint ventures”

on the income statement. The following table summarizes the Company’s investments in unconsolidated joint ventures (in thousands):

The

Company's

Share of Profit

Common Total Total Assets of Profit (Loss) (Loss) of the

Ownership Investment The Partnership Of the Partnership Partnership (1)

Riverfront Holdings II, LLC (1) — — (760 ) (628 )

Aberdeen Station Loan 514 514 — —

(1) Riverfront Holdings II, LLC was consolidated on

March 31, 2021, and reflected in Stabilized Joint Ventures.

The major classes of assets, liabilities and equity

of the Company’s Investments in Joint Ventures as of December 31, 2021, are summarized in the following two tables (in thousands):

Riverfront Bryant Street DST Hickory 1800 Half St. Greenville/ Apartment/

Holdings II, LLC Partnership Creek Partnership Woodfield Mixed Use

Brooksville BC FRP Aberdeen Amber Ridge Apartment/ Grand

Quarry, LLC Realty, LLC Loan Loan Mixed Use Total

Stabilized Joint Venture Segment.

Currently the segment includes three stabilized joint

ventures which own, lease and manage buildings. These assets create revenue and cash flows through tenant rental payments, and reimbursements

for building operating costs. The Company’s residential spaces generally lease for 12 – 15-month lease terms and 90 days prior

to the expiration, as long as there is no balance due, the tenant is offered a renewal. If no notice to move out or renew is made, then

the leases go to month to

month until notification of termination or renewal

is received. Renewal terms are typically 9 – 12 months. In 2021, due to the DC legislation in place freezing rent increases

as a part of a covid relief plan, FRP was unable to increase rental rates for renewals. This legislation was lifted in February 2022.

The Company also leases retail spaces at apartment/mixed-use properties. The retail leases are typically 10 -15-year leases with

options to renew for another 5 years. Retail leases at these properties also include percentage rents which average 3-6% of annual

sales for the tenant that exceed a breakpoint stipulated by each individual lease. All base rent revenue is recognized on a straight-line

basis. The major cash outlays incurred in this segment are for property taxes, full service maintenance, property management, utilities

and marketing. The three stabilized joint venture properties are as follows:

Property and Occupancy JV Partner Method of Accounting % Ownership

COMPARATIVE RESULTS OF OPERATIONS

Consolidated Results

Source: SEC EDGAR (public domain) · 10-K for the period ended 2021-12-31, filed 2022-03-30 · accession 0000844059-22-000007

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