Heritage NOLA Bancorp

HRGG

Banks - Regional · Financial Services

Price

$19.65

+0.00 (+0.00%)

Market Cap

$30.0M

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Dec 31, 2025

How the score breaks down

Growth

Good

Valuation

Weak

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Winston Score History

The full picture

Heritage NOLA Bancorp is a small community bank holding company based in the New Orleans, Louisiana area. It offers everyday banking services like checking and savings accounts, home loans, and small business loans to local residents and businesses. It operates in the regional banking industry, serving a focused geographic footprint in southeastern Louisiana.

The company makes money primarily through the difference between the interest it charges on loans and the interest it pays on deposits, known as net interest income. It is a very small bank with a market cap near zero, meaning it has limited scale compared to larger regional or national banks. Its main competitive advantage is local relationships and community focus, but its thin operating margin and low return on invested capital suggest the business faces pressure from rising funding costs and competition from larger banks with more resources.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+10.1% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+58.3% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

9.9%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$168M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Heritage NOLA Bancorp is a rare growth stock that's already generating positive cash flow while growing at 10%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

−0.4% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 1.3M (2021) → 1.3M (2025)

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+58.9%

Fast-growing sales (+58.9% YoY)

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

46.7x

Expensive — P/E 46.7

P/E over 35. The market is pricing in heavy, sustained growth.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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