{"filings":[{"id":1804997,"accession_number":"0001104659-26-085904","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2026-07-22T21:20:15+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q2 net income down 28% to $897K; EPS $0.19 vs $0.27","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $897K, down $345K YoY; EPS $0.19 vs $0.27.","Net interest income fell $553K to $4.9M on lower securities/fed funds income.","Efficiency ratio worsened to 80% from 78%; ROAA slipped to 0.63%.","Unrealized losses on AFS securities rose to $29.4M; leverage ratio 15.22%.","Total deposits up $5.3M to $609.8M; total assets $771M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":697957,"accession_number":"0001104659-26-067024","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2026-05-27T21:15:11+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial declares $0.18 semi-annual dividend payable June 11, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular semi-annual cash dividend of $0.18 per common share declared.","Payable June 11, 2026 to shareholders of record as of June 8, 2026.","Company reported $788M in total assets as of March 31, 2026.","Chairman Chevis Swetman emphasized commitment to returning earnings to shareholders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98772,"accession_number":"0001104659-26-049507","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2026-04-27T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Peoples Financial board nominees elected; opposition nominee defeated","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board nominees won with ~2.75M FOR each (62%); opposition Stewart Peck got 1.66M FOR (38%).","Ratification of EisnerAmper as auditor passed: 4,228,850 FOR, 7,584 AGAINST, 98,806 abstain.","Advisory say-on-pay passed 2,649,976 FOR (62%) vs 1,621,715 AGAINST (38%), notable dissent.","Annual meeting held April 22, 2026; quorum of 4,335,240 shares of 4,617,466 outstanding."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.15,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98771,"accession_number":"0001104659-26-046776","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2026-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q1 net income up 10.4% to $1.446M; EPS $0.31 vs $0.28","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.446M vs $1.310M YoY; EPS $0.31 vs $0.28 on 4.617M shares.","Net interest income rose $99K to $5.767M; total interest income +$52K, interest expense -$47K.","ROA improved to 0.77% from 0.62%; efficiency ratio improved to 76% from 77%.","Total deposits up $61.8M to $666.2M from Dec. 2025, driven by public fund tax deposits.","Bank leverage ratio remained strong at 14.15% despite $29.6M unrealized losses on AFS securities."],"consensus_eps_estimate":null,"consensus_eps_actual":0.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114422,"accession_number":"0001104659-26-007847","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q4 net income falls to $716k ($0.16 EPS) from $1.528M; full-year EPS $0.85 vs $4.66","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["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."],"consensus_eps_estimate":null,"consensus_eps_actual":0.85,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130797,"accession_number":"0001104659-25-116038","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2025-11-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial declares $0.18 semi-annual dividend payable Dec 12, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular semi-annual cash dividend of $0.18 per common share declared.","Payable on December 12, 2025 to shareholders of record on December 08, 2025.","Company reported $758 million in total assets as of September 30, 2025.","The Peoples Bank operates 18 bank facilities along the Mississippi Gulf Coast."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130796,"accession_number":"0001104659-25-101583","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2025-10-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q3 EPS $0.14; prior-year $3.31 included $15.2M tax benefit","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2025 net income $643K ($0.14 EPS) vs $15.4M ($3.31 EPS) in Q3 2024; prior year included $15.2M tax benefit from reversal of deferred tax asset valuation allowance.","Pre-tax income fell 41% to $786K from $1,334K; total interest income down $920K to $6,910K due to lower yields on securities and fed funds.","Total deposits declined $83M to $637.6M, driven by loss of large public fund accounts in competitive bid processes.","Bank remains well-capitalized with leverage ratio 15.19%; unrealized AFS securities losses improved to $30.4M from $38M at year-end 2024.","Efficiency ratio worsened to 81% from 72% for nine months; ROAA fell to 0.54% (0.82% ex-discrete item) from 3.33%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147361,"accession_number":"0001558370-25-011837","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K/A","filed_at":"2025-09-02T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Peoples Financial Board sets annual say-on-pay vote despite majority shareholder preference for triennial","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved annual non-binding advisory votes on named executive officer compensation, overriding shareholder vote where 2,520,347 favored triennial (every 3 years).","Shareholder vote results: 1,786,401 for 1-year, 5,924 for 2-year, 2,520,347 for 3-year, 26,591 abstain.","All six board nominees elected; opposition nominee Stewart F. Peck received 1,565,142 votes for, 2,675,589 withheld.","Shareholder proposal to sell company defeated (1,581,956 for, 2,670,830 against).","EisnerAmper LLP ratified as independent auditor with 4,217,612 votes for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147362,"accession_number":"0001558370-25-009460","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2025-07-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q2 net income down 47% YoY; deposits fall $76M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income fell to $1.242M ($0.27 EPS) from $2.329M ($0.50 EPS) YoY.","Net interest income decreased $431K to $5.472M due to lower securities income.","Total deposits dropped $76.4M to $644.3M from Dec 2024, losing public fund accounts.","First-half ROA fell to 0.64% from 1.16%; efficiency ratio rose to 78% from 68%.","Shareholders' equity rose $6.5M to $96.5M; unrealized losses on AFS fell to $32.2M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165996,"accession_number":"0001558370-25-008198","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2025-05-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Corp declares $0.18 semi-annual dividend, payable June 13, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Declared regular semi-annual cash dividend of $0.18 per common share.","Payable on June 13, 2025 to shareholders of record as of June 11, 2025.","Company reported total assets of $867 million as of March 31, 2025.","CEO Chevis Swetman cited continuing financial improvement and commitment to returning earnings."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165995,"accession_number":"0001558370-25-005788","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2025-04-29T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Peoples Financial annual meeting re-elects all six board nominees; shareholder sale proposal defeated","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All six board nominees (Barnes, Dennis, O'Keefe, Riley, Sliman, Swetman) elected with ~2.8M for each; opposition nominee Peck received 1.57M for, 2.68M withheld.","EisnerAmper ratified as independent auditor for 2025 with 4.22M for, 21k against.","Advisory say-on-pay passed: 2.74M for, 1.55M against.","Advisory frequency vote: 2.52M voted for every 3 years, 1.79M for every 1 year.","Shareholder proposal to sell the company defeated: 2.67M against, 1.58M for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.15,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165994,"accession_number":"0001558370-25-005269","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2025-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q1 net income falls 46% to $1.31M; EPS $0.28 vs $0.52","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.31M vs $2.415M in Q1 2024; EPS $0.28 vs $0.52.","Net interest income down $1.025M to $5.668M due to lower securities income and yields.","Efficiency ratio worsened to 77% from 64%; ROA fell to 0.62% from 1.12%.","Total deposits increased $31.3M to $752M; leverage ratio strong at 13.32%.","Unrealized losses on AFS securities decreased to $34.9M from $38.0M at year-end."],"consensus_eps_estimate":null,"consensus_eps_actual":0.28,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183536,"accession_number":"0001558370-25-000368","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2025-01-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q4 net income down 11% YoY to $1.528M; announces new buyback plan, annual meeting date","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2024 net income $1.528M ($0.33 EPS) vs $1.723M ($0.37 EPS) in Q4 2023, driven by higher noninterest expense and interest expense.","Full-year 2024 net income $21.703M ($4.66 EPS) includes $15.194M one-time tax benefit from reversal of valuation allowance; pre-tax income fell to $8.380M from $11.287M.","New stock repurchase program: up to 40,000 shares or $750,000 aggregate price, expiring Dec 31, 2025; prior $1M plan repurchased 44,220 shares.","Annual meeting of shareholders scheduled for April 23, 2025; common shares outstanding 4,617,466 as of Dec 31, 2024.","Bank leverage ratio remained strong at 13.95%; shareholders' equity increased to $90.0M from $69.3M."],"consensus_eps_estimate":null,"consensus_eps_actual":4.66,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200111,"accession_number":"0001558370-24-015954","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2024-11-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Corp declares $0.26 total dividend including $0.08 special; payable Dec 13","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular semi-annual cash dividend of $0.18 per share; special dividend of $0.08 per share; total $0.26 per share.","Payable December 13, 2024 to shareholders of record December 9, 2024.","Company cites continuing financial improvement and third best year of earnings ever.","Company recognized as part of 2024 OTCQX Best 50."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200110,"accession_number":"0001558370-24-013528","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2024-10-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q3 net income jumps to $15.4M on $15.2M deferred tax asset reversal; pre-tax income falls 40%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2024 net income $15.4M ($3.31 EPS) vs $1.9M ($0.41 EPS) a year ago; includes $15.2M one-time tax benefit from valuation allowance reversal.","Pre-tax income fell to $1.3M from $2.2M due to $1.1M increase in interest expense from higher deposit rates.","Nine-month net income $20.2M ($4.33 EPS) vs $7.4M ($1.59 EPS); excluding tax benefit, pre-tax income down 28% to $6.5M.","Unrealized losses on AFS securities declined to $32.1M from $50.7M a year ago; bank leverage ratio strong at 13.48%.","Deposits decreased $22.4M since year-end 2023 to $666.1M; gross loans up $9.6M to $239.3M."],"consensus_eps_estimate":null,"consensus_eps_actual":4.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216128,"accession_number":"0001437749-24-023362","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2024-07-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q2 net income falls 20% to $0.50 EPS on higher deposit costs","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.33M vs $2.91M in Q2 2023; EPS $0.50 vs $0.62.","Net interest income fell $1.3M to $5.9M as interest expense surged 93% to $2.79M.","Income tax benefit of $229K vs $811K expense due to release of valuation allowance on tax credits.","Deposits down $13.6M from year-end to $674.9M due to loss of public fund accounts in bids.","Unrealized losses on AFS securities improved to $38.9M from $43.5M; leverage ratio 11.84%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.02,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235648,"accession_number":"0001437749-24-018038","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2024-05-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial declares $0.18 semi-annual cash dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Declared regular semi-annual cash dividend of $0.18 per common share.","Payable June 10, 2024 to shareholders of record as of June 5, 2024.","Chairman Chevis Swetman cited continuing financial improvement and commitment to returning earnings."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235647,"accession_number":"0001437749-24-013697","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2024-04-29T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Peoples Financial holds contested director election; opposition nominee fails but 33% withhold votes on board slate","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board nominees each received ~2.8M votes for, ~1.4M withheld; opposition candidate Stewart Peck got 1.47M for.","Total shares voted: 4,224,270 out of 4,661,686 outstanding (90.6% turnout).","EisnerAmper LLP ratified as auditor for FY2024 with 4,211,019 for, 8,578 against, 4,673 abstain.","Withheld votes represent ~33% of votes cast, indicating notable shareholder dissent against board nominees."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.15,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235646,"accession_number":"0001437749-24-013045","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2024-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q1 net income down 8% to $2.4M, announces $1M stock buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.415M ($0.52 diluted EPS) vs $2.623M ($0.56) in Q1 2023, down 8%.","Net interest income fell $357K to $6.693M; higher rates boosted interest income but interest expense surged.","Board approved stock repurchase up to $1M or ~64K shares; shares will be retired.","Total deposits increased $123M to $811.5M, driven by government tax collections and new public fund customers.","Unrealized losses on AFS securities rose to $40.9M; Bank leverage ratio remains strong at 11.48%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253419,"accession_number":"0001437749-24-002078","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2024-01-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial reports 2023 net income $9.17M ($1.96 EPS), third best year; annual meeting Apr 24","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year net income rose to $9.17M from $8.94M in 2022; EPS increased to $1.96 from $1.91.","Q4 net income was $1.72M vs $5.25M last year, due to a $2.45M nonrecurring deferred tax benefit in Q4 2022.","Net interest income for 2023 increased $4.92M to $26.47M driven by higher rates and loan income.","Efficiency ratio improved to 67% from 77%; return on average assets rose to 1.10% from 1.06%.","Annual meeting of shareholders scheduled for April 24, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":1.96,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253418,"accession_number":"0001437749-24-001715","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2024-01-19T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Peoples Financial VP & Secretary retires; Christy Ireland appointed","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Brian J. Kozlowski retired as VP and Secretary of Peoples Financial Corp and SVP of The Peoples Bank on Jan 12, 2024.","Christy N. Ireland named VP and Secretary by Board on Dec 20, 2023, effective immediately.","Kozlowski's duties will be reassigned to other officers of the companies."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270884,"accession_number":"0001437749-23-033969","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2023-12-08T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Peoples Financial changes auditor to EisnerAmper after P&N combination","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Postlethwaite & Netterville (P&N) resigned as auditor upon combining with EisnerAmper LLP.","Board approved EisnerAmper as independent registered public accounting firm on Dec 6, 2023.","No disagreements with P&N on accounting principles or audit scope during 2022-2023.","No reportable events per Item 304(a)(1)(v) of Regulation S-K occurred.","Company did not consult EisnerAmper on any accounting matters before appointment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270883,"accession_number":"0001437749-23-029245","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2023-10-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Q3 net income up 6.9% to $1.91M; regular dividend raised 50% plus $0.23 special dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2023 net income $1.91M ($0.41 EPS) vs $1.786M ($0.38 EPS) in Q3 2022.","Nine-month net income $7.443M ($1.59 EPS) nearly doubles from $3.802M ($0.81 EPS).","Regular semi-annual dividend increased 50% to $0.18/share; special dividend $0.23/share; payable Nov 17.","Net interest income rose $686K to $6.349M; efficiency ratio improved to 66% from 81%.","Nonaccrual loans fell to $188K from $1.441M; credit loss provision negative $275K."],"consensus_eps_estimate":null,"consensus_eps_actual":1.59,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287795,"accession_number":"0001437749-23-021206","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2023-08-01T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Peoples Financial announces $1M stock repurchase program, effective immediately, up to 5 months","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved repurchase of up to $1,000,000 of outstanding common stock.","Program effective July 31, 2023; shares will be retired upon repurchase.","Repurchases on open market or via private transactions; no obligation to buy any specific amount.","Program expected to last up to five months or until fully utilized; may be extended or discontinued.","Company had 4,678,186 shares outstanding and $896M total assets as of June 30, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287794,"accession_number":"0001437749-23-020742","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2023-07-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q2 net income up to $2.91M from $1.09M YoY; EPS $0.62","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q2 2023 $2.91M ($0.62/share) vs $1.09M ($0.23) in Q2 2022; net interest income rose $2.0M to $7.2M.","Six-month 2023 net income $5.53M ($1.18/share) vs $2.02M ($0.43) in 2022; ROA improved to 1.27% from 0.48%.","Nonaccrual loans fell to $87K from $1.44M at Dec 2022; other real estate rose to $952K after foreclosure.","Shareholders' equity increased $9.33M to $64.53M; unrealized losses on AFS securities narrowed $4.44M to $43.48M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308100,"accession_number":"0001437749-23-011927","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2023-05-01T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Peoples Financial shareholders elect all six board nominees, defeat dissident candidate","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Each of the six management director nominees received ~2.5-2.6M For votes; opposition nominee Rodney H. Blackwell received 1.57M For.","Dissident Blackwell's For votes were far below needed threshold; all company nominees elected to one-year terms.","Ratification of auditor Postlethwaite and Netterville passed with 3,649,053 For (88.4% of votes cast).","Voter turnout: 4,134,020 shares represented out of 4,678,186 outstanding (88.4% quorum)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.15,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308099,"accession_number":"0001437749-23-010732","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2023-04-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q1 net income $2.6M, EPS $0.56, up from $0.20; declares 20% dividend increase","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2,623,000 ($0.56/sh) vs $924,000 ($0.20/sh) in Q1 2022.","Net interest income rose $2.27M to $7.05M, driven by higher rates on securities and fed funds.","Dividend increased 20% to $0.12/sh; payable May 5, 2023 to holders of record May 2.","Bank capital strong: leverage 10.09%, total risk-based capital 21.68%.","Unrealized losses on AFS securities improved to $42.9M from $47.9M at year-end."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":326986,"accession_number":"0001437749-23-007431","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K/A","filed_at":"2023-03-22T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Peoples Financial changes auditor from Wipfli to P&N; no disagreements reported","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Wipfli completed its audit of 2022 financials; its reports for 2021 and 2022 contained no adverse opinion or qualification.","No disagreements or reportable events between the company and Wipfli during 2021, 2022, or through March 15, 2023.","P&N engaged as independent registered public accounting firm for fiscal year ending December 31, 2023.","No prior consultations with P&N on accounting principles or audit opinions occurred before engagement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":326987,"accession_number":"0001437749-23-001800","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2023-01-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q4 net income $5.25M ($1.12 EPS); equity down 40% on unrealized losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $5.25M vs $2.43M in Q4 2021; EPS $1.12 vs $0.52, aided by $2.45M deferred tax benefit.","Full year net income $8.94M vs $8.91M; EPS $1.91 vs $1.84; net interest income up $2.09M to $21.55M.","Shareholders' equity fell from $91.7M to $55.2M due to $47.4M unrealized losses on AFS securities.","Bank's leverage ratio remained strong at 10.78%, unaffected by unrealized losses due to regulatory opt-out.","Acquired corporate trust business from Trustmark for $650k; added ~$150k trust income in 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":1.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344710,"accession_number":"0001437749-22-027914","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-11-22T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Peoples Financial amends bylaws to adopt universal proxy rules and stockholder meeting procedures","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved amended and restated bylaws effective Nov 22, 2022, including Rule 14a-19 compliance provisions.","New Section 1.03 defines key terms: Acting in Concert, Director Questionnaire, Nominating Person, Solicitation Statement.","Proxy soliciting stockholders must use non-white proxy cards; white cards reserved for Board's exclusive use.","Enhanced disclosure: stockholder proposals/director nominations require agreements, arrangements, and acting-in-concert info.","Nominating stockholders must deliver proxy materials to at least 67% of voting power and provide compliance evidence."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344709,"accession_number":"0001437749-22-024796","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-10-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q3 net income up 58% to $1.75M; equity drops 50% on AFS unrealized losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2022 net income $1.75M ($0.37 EPS) vs $1.11M ($0.23 EPS) in Q3 2021, a 58% increase.","Nine-month net income fell 40.7% to $3.69M ($0.79 EPS) from $6.23M ($1.28 EPS) due to prior-year non-recurring loan recovery.","Shareholders' equity dropped 49.5% to $47.7M from $94.4M, driven by $45.1M unrealized losses on AFS securities from rising rates.","Cash dividend of $0.10 per share declared, payable Nov 10, 2022 to holders of record Nov 7.","Acquired Trustmark corporate trust business for $650k, closed Aug 15, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344708,"accession_number":"0001437749-22-023464","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-10-03T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Peoples Financial appoints Postlethwaite & Netterville as new auditor for FY2023","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["P&N approved as independent registered public accounting firm for fiscal year ending Dec 31, 2023, subject to client acceptance.","Wipfli LLP will remain auditor for FY2022; its 2020 and 2021 reports contained no adverse opinions.","No disagreements or reportable events with Wipfli during 2020-2021 or subsequent interim period through Sept 28, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361186,"accession_number":"0001437749-22-020701","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-08-16T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Peoples Financial completes acquisition of Trustmark corporate trust business","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Trustmark sold substantially all assets of its Corporate Trust business to The Peoples Bank (Peoples Financial subsidiary).","Approximately 200 bond issues were transitioned to The Peoples Bank.","Trustmark will continue Wealth Management Division services (private banking, brokerage, trust, etc.).","Transaction closed on August 15, 2022; no financial terms disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361185,"accession_number":"0001437749-22-017906","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-07-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q2 EPS $0.23 vs $0.16; equity falls on AFS losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income $1.055M ($0.23 EPS) vs $0.789M ($0.16 EPS) in Q2 2021; net interest income up $465K to $5.193M.","First-half 2022 net income $1.942M ($0.42 EPS) down from $5.119M ($1.05 EPS) in H1 2021; prior year included $4.51M loan recovery gain.","Shareholders' equity fell to $55.96M from $94.07M due to $35.1M unrealized losses on AFS securities from higher rates; leverage ratio remains strong at 20.53%.","Other real estate reduced to $417K from $2.621M year-over-year, reflecting improved asset quality."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380423,"accession_number":"0001437749-22-011954","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-05-11T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q1 net income $887K, down 79% YoY; discloses $2.11M accounting error","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $887K ($0.19 EPS) vs $4.33M ($0.89 EPS) in Q1 2021; weighted shares 4.68M vs 4.88M.","Prior-year period included $4.85M reduction in allowance for loan losses (recovery of $4.51M charged-off loan) and $1.125M lawsuit settlement.","Company identified cumulative $2.11M impairment error on LIHTC investment; correction to be reflected in Q1 2022 10-Q, deemed not material to prior periods.","Shareholders' equity fell to $70.7M from $92.4M largely due to $19.3M unrealized losses on available-for-sale securities from interest rate changes.","Risk-based capital ratio remained strong at 21.21% as of March 31, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380422,"accession_number":"0001437749-22-010627","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-05-03T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Shareholders re-elect all board nominees; opposition candidate Blackwell receives 30% vote","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All six board-nominated directors elected; opposition nominee Rodney H. Blackwell received 1,203,768 votes (approx 30% of shares voted).","Ratification of Wipfli LLP as auditor passed with 4,043,641 votes for (99.9%).","Advisory say-on-pay proposal approved with 2,878,695 votes for (82.1%), 625,959 against.","Quorum of 4,053,785 shares represented (86.6% of outstanding 4,678,186 shares)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.15,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380419,"accession_number":"0001437749-22-009758","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K/A","filed_at":"2022-04-26T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Peoples Financial reviewing LIHTC investment accounting; may restate 2018 or earlier periods","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["Evaluating GAAP treatment of a Low Income Housing Tax Credit investment under ASC 323.","Potential non-cash changes to historical GAAP results for periods ending Dec 31, 2018 or earlier.","No expected impact on cash flows, dividends, or employee compensation.","Review authorized by Board, supervised by Audit Committee; analysis not yet complete."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380421,"accession_number":"0001437749-22-009653","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-04-25T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Peoples Financial begins review of LIHTC investment accounting; may adjust prior-period financials","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Review examines classification of a Low Income Housing Tax Credit limited partnership investment under ASC 320.","Prompted by an indication of value from the LIHTC general partner and consultation with Novogradac & Company.","Non-cash changes may affect GAAP results for periods ending Dec 31, 2018 or earlier; no impact on cash flows or dividends.","Board-authorized review is supervised by the Audit Committee; final decision deferred until completion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380420,"accession_number":"0001437749-22-007991","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-04-01T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Peoples Financial CFO Lauri A. Wood retires; Leslie B. Fulton hired as new CFO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CFO Lauri A. Wood retired April 1, 2022 after 32 years; was CFO since 1994.","Successor Leslie B. Fulton, CPA, started March 21, 2022; over 15 years banking accounting experience.","Retirement was previously announced November 19, 2021; transition is orderly."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398514,"accession_number":"0001437749-22-006718","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-03-18T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Peoples Financial's bank buying Trustmark's corporate trust business for $650,000","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["The Peoples Bank acquires Trustmark's corporate trust business for $650,000, subject to adjustment for asset fluctuation.","Approximately 200 bond issues will be transferred to The Peoples Bank's asset management department.","Transaction expected to close in Q2 2022, pending FDIC approval and customary closing conditions.","Adds to Peoples' existing corporate trust portfolio in Biloxi, MS.","Trustmark will retain its wealth management services (private banking, brokerage, trust)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398513,"accession_number":"0001437749-22-006047","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-03-11T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial declares $0.09 semi-annual dividend, an increase","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Semi-annual dividend increased to $0.09 per share from prior level.","Payable March 30, 2022 to shareholders of record March 23, 2022.","CEO Chevis Swetman says increase reflects appreciation for shareholder investment.","Parent of The Peoples Bank; $819M total assets as of Dec 31, 2021."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398512,"accession_number":"0001437749-22-002591","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-02-07T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Peoples Financial CFO? No, VP & Secretary retires; successor appointed","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Evelyn R. Herrington, 67, retired as VP and Secretary after 26 years of service.","Her duties will be reassigned to other officers of the company.","Board named Brian J. Kozlowski as Vice President and Secretary on Jan 26, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398511,"accession_number":"0001437749-22-001701","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-01-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial reports 2021 net income of $8.6M, reversing prior year loss","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.579M ($1.77/share) vs net loss $2.751M (loss $0.56) in 2020.","Q4 net income $2.353M ($0.49/share) vs $665K ($0.14) in Q4 2020.","Improvement driven by $5.663M reduction in provision for loan losses; 2020 had $6.002M provision largely due to one credit.","Nonaccrual loans reduced from $57.5M in 2011 to $701K; other real estate from $9.9M to $1.891M at Dec 31, 2021.","Annual meeting set for April 27, 2022; lawsuit settlement of $1.125M impacted non-interest expense."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398510,"accession_number":"0001437749-22-000106","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2022-01-03T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Peoples Financial First VP Ann F. Guice retires after 29 years","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Ann F. Guice, age 74, retired as First VP of Peoples Financial and SVP of The Peoples Bank effective Dec 31, 2021.","She served the company for 29 years.","Her duties will be reassigned to other officers of the companies."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":417518,"accession_number":"0001437749-21-027549","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2021-11-30T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Peoples Financial amends director deferred comp plan; rate cut from 10% to prime (3.25%)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Amendment effective Jan 1, 2022 changes interest on deferred fees from fixed 10%/7.5% to Chase Manhattan Prime Rate.","Current prime rate is 3.25%, down from previous 10% before payments and 7.5% after payments commence.","Change reduces future interest expense for The Peoples Bank on director deferred compensation liabilities.","Plan previously disclosed in 2021 proxy; adjustment aligns rates with current market conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":417517,"accession_number":"0001437749-21-027308","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2021-11-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial declares $0.06 semi-annual dividend; completes share repurchase of 200,000 shares","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Semi-annual dividend of $0.06 per share declared; payable Dec 8, 2021 to holders of record Dec 3, 2021.","Company completed repurchase of 200,000 shares for total cost of $3,375,309 under earlier announced program.","Total assets of $825M as of Sep 30, 2021; operates 18 branches on Mississippi Gulf Coast."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":417516,"accession_number":"0001437749-21-027132","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2021-11-19T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Peoples Financial CFO Lauri A. Wood to retire March 31, 2022; search underway","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CFO Lauri A. Wood notified the company of her intention to retire on March 31, 2022.","The company is conducting a search for Wood's replacement; she will assist in the transition.","Wood is expected to remain in her current role until her retirement date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":417515,"accession_number":"0001437749-21-024389","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2021-10-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial Q3 net income $1.1M vs loss $4.3M a year ago; EPS $0.23","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.107M ($0.23/share) for Q3 2021 vs net loss $4.262M ($0.87 loss) in Q3 2020.","First nine months net income $6.226M ($1.28/share) vs net loss $3.416M ($0.70 loss) in prior year.","Improvement driven by reduction in provision for loan losses: $173K reduction in Q3 vs $4.55M provision in 2020.","Non-interest expense increased $1.125M due to lawsuit settlement in 2021.","Primary capital ratio 13.38% at Sep 30, 2021; book value $19.77/share; total assets $825M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":435079,"accession_number":"0001437749-21-017752","cik":770460,"company_name":"PEOPLES FINANCIAL CORP /MS/","ticker":"PFBX","form_type":"8-K","filed_at":"2021-07-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Peoples Financial reports Q2 net income of $789K vs loss of $277K; EPS $0.16","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $789,000 ($0.16 EPS) in Q2 2021 vs net loss of $277,000 ($0.06 loss) in Q2 2020.","Six-month net income rose to $5,119,000 ($1.05 EPS) from $846,000 ($0.17 EPS) in prior year.","Provision for loan losses fell to $22,000 in Q2 2021 from $1,333,000 in Q2 2020, aided by a $1,135,000 specific reserve in 2020.","Non-interest expense increased due to a $1,125,000 lawsuit settlement during first half of 2021.","Book value per share $19.72; total assets $768 million; primary capital ratio 13.89%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":98121151.99999999,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}