---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-21-017752"
form_type: "8-K"
ticker: "PFBX"
cik: "0000770460"
company_name: "PEOPLES FINANCIAL CORP /MS/"
filed_at: "2021-07-28T23:59:59+00:00"
generated_at: "2026-06-30T01:53:44.722577+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Peoples Financial reports Q2 net income of $789K vs loss of $277K; EPS $0.16

## Summary
- Net income of $789,000 ($0.16 EPS) in Q2 2021 vs net loss of $277,000 ($0.06 loss) in Q2 2020.
- Six-month net income rose to $5,119,000 ($1.05 EPS) from $846,000 ($0.17 EPS) in prior year.
- Provision for loan losses fell to $22,000 in Q2 2021 from $1,333,000 in Q2 2020, aided by a $1,135,000 specific reserve in 2020.
- Non-interest expense increased due to a $1,125,000 lawsuit settlement during first half of 2021.
- Book value per share $19.72; total assets $768 million; primary capital ratio 13.89%.

## SEC filing metadata
- accession: 0001437749-21-017752
- form_type: 8-K
- ticker: PFBX
- cik: 0000770460
- company_name: PEOPLES FINANCIAL CORP /MS/
- filed_at: 2021-07-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/770460/000143774921017752/0001437749-21-017752-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/770460/000143774921017752/pfbx20210723_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-21-017752
- JSON: https://secwatch.observer/filing/0001437749-21-017752.json
- Plain text: https://secwatch.observer/filing/0001437749-21-017752.txt

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