---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-101583"
form_type: "8-K"
ticker: "PFBX"
cik: "0000770460"
company_name: "PEOPLES FINANCIAL CORP /MS/"
filed_at: "2025-10-22T23:59:59+00:00"
generated_at: "2026-05-17T02:53:54.886070+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Peoples Financial Q3 EPS $0.14; prior-year $3.31 included $15.2M tax benefit

## Summary
- 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%.

## SEC filing metadata
- accession: 0001104659-25-101583
- form_type: 8-K
- ticker: PFBX
- cik: 0000770460
- company_name: PEOPLES FINANCIAL CORP /MS/
- filed_at: 2025-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/770460/000110465925101583/0001104659-25-101583-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/770460/000110465925101583/pfbx-20251022x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-101583
- JSON: https://secwatch.observer/filing/0001104659-25-101583.json
- Plain text: https://secwatch.observer/filing/0001104659-25-101583.txt

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