{"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","discovered_at":"2026-05-14T18:02:37.672798+00:00","generated_at":"2026-05-16T06:44:43.807087+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Peoples Financial Q4 net income falls to $716k ($0.16 EPS) from $1.528M; full-year EPS $0.85 vs $4.66","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-007847","json":"https://secwatch.observer/filing/0001104659-26-007847.json","markdown":"https://secwatch.observer/filing/0001104659-26-007847.md","text":"https://secwatch.observer/filing/0001104659-26-007847.txt","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"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:44:43.807087+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}