{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-017906","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2022-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:58.126282+00:00","generated_at":"2026-06-24T08:24:35.113994+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Peoples Financial Q2 EPS $0.23 vs $0.16; equity falls on AFS losses","bullets":["Q2 net income $1.055M ($0.23 EPS) vs $0.789M ($0.16 EPS) in Q2 2021; net interest income up $465K to $5.193M.","First-half 2022 net income $1.942M ($0.42 EPS) down from $5.119M ($1.05 EPS) in H1 2021; prior year included $4.51M loan recovery gain.","Shareholders' equity fell to $55.96M from $94.07M due to $35.1M unrealized losses on AFS securities from higher rates; leverage ratio remains strong at 20.53%.","Other real estate reduced to $417K from $2.621M year-over-year, reflecting improved asset quality."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-017906","json":"https://secwatch.observer/filing/0001437749-22-017906.json","markdown":"https://secwatch.observer/filing/0001437749-22-017906.md","text":"https://secwatch.observer/filing/0001437749-22-017906.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000143774922017906/0001437749-22-017906-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000143774922017906/pfbx20220725_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T08:24:35.113994+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"}