{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-046776","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2026-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.714735+00:00","generated_at":"2026-05-15T05:02:02.490697+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Peoples Financial Q1 net income up 10.4% to $1.446M; EPS $0.31 vs $0.28","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-046776","json":"https://secwatch.observer/filing/0001104659-26-046776.json","markdown":"https://secwatch.observer/filing/0001104659-26-046776.md","text":"https://secwatch.observer/filing/0001104659-26-046776.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000110465926046776/0001104659-26-046776-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000110465926046776/pfbx-20260422x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:02:02.490697+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":[{"claim_id":"6fccb2b27695713da25dcccdc45f51901a1afa45","claim":"PEOPLES FINANCIAL CORP /MS/ reported the first quarter of 2026 results: net income $1,446,000, EPS $0.31.","evidence_excerpt":"Net income for the first quarter of 2026 increased $136,000 to $1,446,000 compared to net income of $1,310,000 for the first quarter of 2025. The earnings per weighted average common share for the first quarter of 2026 were $0.31 compared to earnings per weighted average common share of $0.28 for the first quarter of 2025.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/770460/000110465926046776/0001104659-26-046776-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2026"},{"label":"Net income","value":"$1,446,000"},{"label":"EPS","value":"$0.31"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}