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Heritage NOLA Bancorp, Inc. (HRGG)

USD19.70 -0.05 (-0.25%)
US OTC Financial Services Banks - Regional
Address 205 North Columbia Street 70433
Covington, LA, US
CEO William David Crumhorn
IPO 2017-07-13
CIK 1700175 ISIN US42727P1084

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Description

Heritage NOLA Bancorp, Inc. functions as the parent company for Heritage Bank of St. Tammany, offering a wide range of financial solutions. The institution provides various deposit products, such as checking accounts (both interest-earning and non-interest-earning), savings accounts, and time deposits like certificates of deposit. Its credit offerings encompass mortgages for one-to-four family homes, commercial property loans, financing for construction projects and land purchases, home equity lines of credit, personal loans, and other commercial credit facilities. The company delivers its services through four branch locations in Slidell, Covington, and Madisonville, Louisiana. Heritage NOLA Bancorp, Inc., established in 1924, is headquartered in Covington, Louisiana.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD19.70 -0.05 (-0.25%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.2K
Beta
0.13
Float Shares
1.37M
Free Float %
90.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.27% +0.64% +1.07% +8.63% +14.61% +12.07% +32.08% +101.60% +39.29% +56.73% +56.73%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
19.70
DCF (Levered) 4.33 -78.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.28
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +17.4% Q4'25: +10.1% (vs Q4'24)
  • EPS growth
    +300.0% Q4'25: +33.3% (vs Q4'24)
  • FCF margin
    Q4'25: +0.0% (vs Q4'24)
  • EBIT margin
    Q4'25: +10.8% (vs Q4'24)
  • ROIC
    Q4'25: +2.9% (vs Q4'24)
  • Share dilution
    +10.2% Q4'25: +14.2% (vs Q4'24)
  • Debt / EBITDA
    Q4'25: 8.05× (vs Q4'24)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.14) × ERP
WACC = 72% × Ke + 28% × Kd (52.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 19.70
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-27 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-22 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-21 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-20 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-19 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-18 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-15 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-14 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-11 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-07 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-05 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-04-29 B- 2/5 3/5 2/5 3/5 2/5 1/5 3/5
2026-04-28 B- 2/5 3/5 2/5 3/5 2/5 1/5 3/5
2026-04-27 B- 2/5 3/5 2/5 3/5 2/5 1/5 3/5
2026-04-24 B- 2/5 3/5 2/5 3/5 2/5 1/5 3/5
2026-04-23 B- 2/5 3/5 2/5 3/5 2/5 1/5 3/5
2026-04-22 B- 2/5 3/5 2/5 3/5 2/5 1/5 3/5
2026-04-21 B- 3/5 3/5 2/5 4/5 2/5 1/5 3/5
2026-04-20 B- 3/5 3/5 2/5 4/5 2/5 1/5 3/5
2026-04-16 B- 3/5 3/5 2/5 4/5 2/5 1/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-1.06M
OE per share TTM
-0.94
Owner's Yield
-5.01%
Maintenance CapEx ratio
Maint CapEx / Avg PPE
98.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
23.5K
Shares Outstanding
1.53M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2018 W. David Crumhorn, President and Chief Executive Officer 181.9K 29.0K 205.8K 150.0K 26.1K 592.7K 60.03%
2 2018 Dana Whitaker, Chief Credit Officer 105.0K 16.2K 124.5K 75.0K 14.5K 335.2K 59.52%
3 2018 Lisa B. Hughes, Chief Financial Officer 100.0K 10.0K 112.1K 60.0K 13.3K 295.3K 58.26%
4 2017 W. David Crumhorn, President and Chief Executive Officer 173.2K 28.0K 24.5K 225.7K 0.00%
5 2017 Dana Whitaker, Chief Credit Officer 100.0K 20.9K 14.1K 135.0K 0.00%
6 2017 Lisa B. Hughes, Chief Financial Officer 87.0K 17.0K 12.1K 116.1K 0.00%
7 2016 W. David Crumhorn, President and Chief Executive Officer 160.0K 25.0K 26.5K 211.5K 0.00%
8 2016 Dana Whitaker, Chief Credit Officer 100.0K 14.0K 7.4K 121.4K 0.00%
9 2016 Lisa B. Hughes, Chief Financial Officer 87.0K 9.0K 5.6K 101.6K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2020-04-17 DEF 14A
2019-04-17 DEF 14A
2018-07-12 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2020-08-13 S-8 POS
2020-08-13 S-8 POS
2020-07-16 8-K
2020-07-16 15-12G
2020-06-18 11-K
2020-06-16 8-K
2020-05-21 8-K
2020-05-15 10-Q
2020-04-17 DEF 14A
2020-03-27 10-K

Executive team

NameTitleCompensationGender
William David Crumhorn Chairman, President & Chief Executive Officer 239.7K male
Dana C. Whitaker Executive Vice President, Chief Credit Officer & Corporate Secretary 137.9K female
Lisa Hughes Senior Vice President & Chief Financial Officer 125.6K female
ESG Rating
B
BANKS - REGIONAL
2020
E (Environmental)
79.2 / 64.3
Company / Sector avg.
S (Social)
65.6 / 76.5
Company / Sector avg.
G (Governance)
71.6 / 75.5
Company / Sector avg.
ESG Total
72.1 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits