---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-007847"
form_type: "8-K"
ticker: "PFBX"
cik: "0000770460"
company_name: "PEOPLES FINANCIAL CORP /MS/"
filed_at: "2026-01-29T23:59:59+00:00"
generated_at: "2026-05-16T06:44:43.807087+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001104659-26-007847
- form_type: 8-K
- ticker: PFBX
- cik: 0000770460
- company_name: PEOPLES FINANCIAL CORP /MS/
- filed_at: 2026-01-29T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/770460/000110465926007847/0001104659-26-007847-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/770460/000110465926007847/pfbx-20260128x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-007847
- JSON: https://secwatch.observer/filing/0001104659-26-007847.json
- Plain text: https://secwatch.observer/filing/0001104659-26-007847.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.