---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-23-010732"
form_type: "8-K"
ticker: "PFBX"
cik: "0000770460"
company_name: "PEOPLES FINANCIAL CORP /MS/"
filed_at: "2023-04-20T23:59:59+00:00"
generated_at: "2026-06-16T23:04:47.148152+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Peoples Financial Q1 net income $2.6M, EPS $0.56, up from $0.20; declares 20% dividend increase

## Summary
- Net income $2,623,000 ($0.56/sh) vs $924,000 ($0.20/sh) in Q1 2022.
- Net interest income rose $2.27M to $7.05M, driven by higher rates on securities and fed funds.
- Dividend increased 20% to $0.12/sh; payable May 5, 2023 to holders of record May 2.
- Bank capital strong: leverage 10.09%, total risk-based capital 21.68%.
- Unrealized losses on AFS securities improved to $42.9M from $47.9M at year-end.

## SEC filing metadata
- accession: 0001437749-23-010732
- form_type: 8-K
- ticker: PFBX
- cik: 0000770460
- company_name: PEOPLES FINANCIAL CORP /MS/
- filed_at: 2023-04-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/770460/000143774923010732/0001437749-23-010732-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/770460/000143774923010732/pfbx20230420_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-010732
- JSON: https://secwatch.observer/filing/0001437749-23-010732.json
- Plain text: https://secwatch.observer/filing/0001437749-23-010732.txt

## Key facts
- Earnings Releases
  PEOPLES FINANCIAL CORP /MS/ reported the first quarter of 2023 results: net income $2,623,000, EPS $0.56.
  - Period: the first quarter of 2023
  - Net income: $2,623,000
  - EPS: $0.56
  - Result: reported results
  source text: Net income for the first quarter of 2023 was $2,623,000 compared to net income of $924,000 for the first quarter of 2022. The earnings per weighted average common share for the first quarter of 2023 was $0.56 compared to earnings per weighted average common share of $0.20 for the first quarter of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/770460/000143774923010732/0001437749-23-010732-index.htm

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