---
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"
generated_at: "2026-06-28T17:41:23.180380+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Peoples Financial Q3 net income $1.1M vs loss $4.3M a year ago; EPS $0.23

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-21-024389
- JSON: https://secwatch.observer/filing/0001437749-21-024389.json
- Plain text: https://secwatch.observer/filing/0001437749-21-024389.txt

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