---
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"
generated_at: "2026-06-24T08:24:35.113994+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Peoples Financial Q2 EPS $0.23 vs $0.16; equity falls on AFS losses

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-22-017906
- JSON: https://secwatch.observer/filing/0001437749-22-017906.json
- Plain text: https://secwatch.observer/filing/0001437749-22-017906.txt

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