---
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"
generated_at: "2026-05-15T05:02:02.490697+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Peoples Financial Q1 net income up 10.4% to $1.446M; EPS $0.31 vs $0.28

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-046776
- JSON: https://secwatch.observer/filing/0001104659-26-046776.json
- Plain text: https://secwatch.observer/filing/0001104659-26-046776.txt

## Key facts
- Earnings Releases
  PEOPLES FINANCIAL CORP /MS/ reported the first quarter of 2026 results: net income $1,446,000, EPS $0.31.
  - Period: the first quarter of 2026
  - Net income: $1,446,000
  - EPS: $0.31
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/770460/000110465926046776/0001104659-26-046776-index.htm

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