secwatch.observer — SEC 8-K summary
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Issuer:     PEOPLES FINANCIAL CORP /MS/ (PFBX)
CIK:        0000770460
Form:       8-K
Filed at:   2026-04-22T23:59:59+00:00
Accession:  0001104659-26-046776
Event type: earnings
Sentiment:  positive
Materiality: 0.50
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/770460/000110465926046776/0001104659-26-046776-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/770460/000110465926046776/pfbx-20260422x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-046776

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer