{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-21-024389","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2021-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:15.549816+00:00","generated_at":"2026-06-28T17:41:23.180380+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Peoples Financial Q3 net income $1.1M vs loss $4.3M a year ago; EPS $0.23","bullets":["Net income $1.107M ($0.23/share) for Q3 2021 vs net loss $4.262M ($0.87 loss) in Q3 2020.","First nine months net income $6.226M ($1.28/share) vs net loss $3.416M ($0.70 loss) in prior year.","Improvement driven by reduction in provision for loan losses: $173K reduction in Q3 vs $4.55M provision in 2020.","Non-interest expense increased $1.125M due to lawsuit settlement in 2021.","Primary capital ratio 13.38% at Sep 30, 2021; book value $19.77/share; total assets $825M."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-21-024389","json":"https://secwatch.observer/filing/0001437749-21-024389.json","markdown":"https://secwatch.observer/filing/0001437749-21-024389.md","text":"https://secwatch.observer/filing/0001437749-21-024389.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000143774921024389/0001437749-21-024389-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000143774921024389/pfbx20211025_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T17:41:23.180380+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"}