{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-001800","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.059080+00:00","generated_at":"2026-06-20T08:48:58.238717+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Peoples Financial Q4 net income $5.25M ($1.12 EPS); equity down 40% on unrealized losses","bullets":["Q4 net income $5.25M vs $2.43M in Q4 2021; EPS $1.12 vs $0.52, aided by $2.45M deferred tax benefit.","Full year net income $8.94M vs $8.91M; EPS $1.91 vs $1.84; net interest income up $2.09M to $21.55M.","Shareholders' equity fell from $91.7M to $55.2M due to $47.4M unrealized losses on AFS securities.","Bank's leverage ratio remained strong at 10.78%, unaffected by unrealized losses due to regulatory opt-out.","Acquired corporate trust business from Trustmark for $650k; added ~$150k trust income in 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-001800","json":"https://secwatch.observer/filing/0001437749-23-001800.json","markdown":"https://secwatch.observer/filing/0001437749-23-001800.md","text":"https://secwatch.observer/filing/0001437749-23-001800.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000143774923001800/0001437749-23-001800-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000143774923001800/pfbx20230124_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:48:58.238717+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":[{"claim_id":"1ce06dd3a37c2b24f5a0e068057907f60b2eab80","claim":"PEOPLES FINANCIAL CORP /MS/ reported the fourth quarter of 2022 results: net income $5,250,000, EPS $1.12.","evidence_excerpt":"Net income for the fourth quarter of 2022 was $5,250,000 compared to net income of $2,432,000 for the fourth quarter of 2021. The earnings per weighted average common share for the fourth quarter of 2022 were $1.12","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/770460/000143774923001800/0001437749-23-001800-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter of 2022"},{"label":"Net income","value":"$5,250,000"},{"label":"EPS","value":"$1.12"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"ba02016e3c715658630ac1629f94829c0cdda064","claim":"PEOPLES FINANCIAL CORP /MS/ reported the year ended December 31, 2022 results: net income $8,941,000, EPS $1.91.","evidence_excerpt":"Net income for the year ended December 31, 2022 was $8,941,000 compared to net income of $8,911,000 for the year ended December 31, 2021. The earnings per weighted average common share for the year ended December 31, 2022 were $1.91","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/770460/000143774923001800/0001437749-23-001800-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$8,941,000"},{"label":"EPS","value":"$1.91"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}