Heritage NOLA Bancorp (HRGG) Stock Analysis & Winston Score

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.

Winston Score History

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

Insider Activity

9.9%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$1M 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.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

58.6%

Premium pricing power — 58.6% gross margin

Operating Margin

10.8%

Modest — 10.8% operating margin

ROCE

1.0%

Weak — 1.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+58.9%

Fast-growing sales (58.9% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

0%

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

0.45

Conservative — low debt load (0.45)

Interest Cover

0.25x

Dangerous — barely covers interest (0.3x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

46.9x

no trend

Expensive — P/E 46.9

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

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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