Peoples Financial Q4 net income falls to $716k ($0.16 EPS) from $1.528M; full-year EPS $0.85 vs $4.66

PEOPLES FINANCIAL CORP /MS/

2025-FY EPS reported $0.85

Q4 net income $716,000 ($0.16 EPS) vs $1,528,000 ($0.33 EPS) YoY; total interest income fell $1.071M to $6.569M.
Full-year net income $3.911M ($0.85 EPS) down from $21.703M ($4.66 EPS) in 2024, largely due to absence of $15.2M deferred tax benefit from 2024.
Total deposits decreased $116.3M to $604.4M from $720.7M due to loss of large public fund deposits in competitive bids.
Efficiency ratio worsened to 83% from 73%; ROAA fell to 0.50% (2024: 2.65% including discrete item, 0.80% excluding).
Board extended stock repurchase program (up to $750k or 40k shares) with no expiration; annual meeting set for April 22, 2026.

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