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Heritage NOLA Bancorp Inc (HRGG)
OTHER OTC:HRGG
US Market
HRGG
Heritage NOLA Bancorp
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Heritage NOLA Bancorp (HRGG) Ratios

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Heritage NOLA Bancorp Ratios

HRGG's free cash flow for Q3 2025 was $0.55. For the 2025 fiscal year, HRGG's free cash flow was decreased by $ and operating cash flow was $-0.05. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.12 0.12 0.07 0.06 0.14
Quick Ratio
 0.12 0.12 0.07 0.06 0.14
Cash Ratio
 0.12 0.12 0.06 0.06 0.08
Solvency Ratio
 <0.01 <0.01 >-0.01 >-0.01 <0.01
Operating Cash Flow Ratio
 0.00 0.07 >-0.01 <0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.07 >-0.01 0.00 0.07
Net Current Asset Value
$ -157.14M$ -157.14M$ -151.68M$ -147.71M$ -151.84M
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.05 0.09 <0.01 0.12
Debt-to-Equity Ratio
 0.45 0.45 0.82 0.05 1.05
Debt-to-Capital Ratio
 0.31 0.31 0.45 0.05 0.51
Long-Term Debt-to-Capital Ratio
 0.31 0.31 0.00 0.05 0.13
Financial Leverage Ratio
 8.54 8.54 9.03 8.60 8.78
Debt Service Coverage Ratio
 0.10 0.05 -0.01 -1.13 0.05
Interest Coverage Ratio
 0.15 0.12 0.00 -1.05 6.20
Debt to Market Cap
 0.29 0.98 0.96 0.05 1.29
Interest Debt Per Share
 10.77 12.67 14.42 1.86 18.94
Net Debt to EBITDA
 23.04 9.77 -31.26 3.20 16.01
Profitability Margins
Gross Profit Margin
56.04%54.88%46.40%217.79%85.46%
EBIT Margin
4.36%5.57%-2.94%-58.93%11.03%
EBITDA Margin
4.36%7.79%-2.94%-51.07%15.22%
Operating Profit Margin
4.36%5.57%3.15%-35.43%19.64%
Pretax Profit Margin
4.36%5.57%-2.94%-58.93%11.03%
Net Profit Margin
2.86%4.37%-2.33%-46.05%9.01%
Continuous Operations Profit Margin
2.86%4.37%-2.33%-46.05%9.01%
Net Income Per EBT
65.75%78.40%79.27%78.16%81.72%
EBT Per EBIT
100.00%100.00%-93.54%166.30%56.16%
Return on Assets (ROA)
0.13%0.27%-0.12%-0.88%0.35%
Return on Equity (ROE)
1.15%2.28%-1.08%-7.57%3.06%
Return on Capital Employed (ROCE)
0.21%0.36%0.71%-1.76%1.10%
Return on Invested Capital (ROIC)
0.14%0.27%0.35%-1.43%0.78%
Return on Tangible Assets
0.13%0.27%-0.12%-0.88%0.35%
Earnings Yield
1.01%2.46%-1.27%-7.19%3.74%
Efficiency Ratios
Receivables Turnover
 11.93 15.74 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 1.33 1.76 1.46 0.50 1.01
Asset Turnover
 0.05 0.06 0.05 0.02 0.04
Working Capital Turnover Ratio
 -2.53 -0.16 -0.08 -0.04 -0.20
Cash Conversion Cycle
 30.61 23.20 0.00 0.00 0.00
Days of Sales Outstanding
 30.61 23.20 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 30.61 23.20 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 0.59 -0.11 0.17 1.05
Free Cash Flow Per Share
 0.00 0.53 -0.13 0.16 1.04
CapEx Per Share
 0.00 0.06 0.02 <0.01 <0.01
Free Cash Flow to Operating Cash Flow
 0.00 0.90 1.16 0.98 0.99
Dividend Paid and CapEx Coverage Ratio
 0.00 9.80 -6.40 63.33 173.00
Capital Expenditure Coverage Ratio
 0.00 9.80 -6.40 63.33 173.00
Operating Cash Flow Coverage Ratio
 0.00 0.07 >-0.01 0.19 0.06
Operating Cash Flow to Sales Ratio
 0.00 0.06 -0.01 0.06 0.17
Free Cash Flow Yield
0.00%3.12%-0.86%0.88%7.20%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 101.24 40.69 -78.95 -13.92 26.73
Price-to-Sales (P/S) Ratio
 3.91 1.78 1.84 6.41 2.41
Price-to-Book (P/B) Ratio
 1.12 0.93 0.85 1.05 0.82
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 32.10 -115.99 114.22 13.90
Price-to-Operating Cash Flow Ratio
 0.00 28.82 -134.12 112.42 13.82
Price-to-Earnings Growth (PEG) Ratio
 0.11 -0.13 0.92 0.04 -0.78
Price-to-Fair Value
 1.12 0.93 0.85 1.05 0.82
Enterprise Value Multiple
 112.78 32.58 -93.69 -9.35 31.85
Enterprise Value
 40.83M 27.82M 25.76M 15.92M 33.66M
EV to EBITDA
 112.78 32.58 -93.69 -9.35 31.85
EV to Sales
 4.91 2.54 2.76 4.78 4.85
EV to Free Cash Flow
 0.00 45.84 -174.08 85.14 27.96
EV to Operating Cash Flow
 0.00 41.16 -201.28 83.79 27.80
Tangible Book Value Per Share
 19.00 18.42 16.89 17.08 17.06
Shareholders’ Equity Per Share
 19.00 18.42 17.58 17.80 17.78
Tax and Other Ratios
Effective Tax Rate
 0.34 0.22 0.21 0.22 0.18
Revenue Per Share
 7.52 9.62 8.16 2.93 6.03
Net Income Per Share
 0.22 0.42 -0.19 -1.35 0.54
Tax Burden
 0.66 0.78 0.79 0.78 0.82
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.31 0.30 0.43 0.30 0.10
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.09 0.05
Income Quality
 0.00 1.41 0.59 -0.12 1.93
Currency in USD