---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-23-020742"
form_type: "8-K"
ticker: "PFBX"
cik: "0000770460"
company_name: "PEOPLES FINANCIAL CORP /MS/"
filed_at: "2023-07-26T23:59:59+00:00"
generated_at: "2026-06-13T02:33:16.094868+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Peoples Financial Q2 net income up to $2.91M from $1.09M YoY; EPS $0.62

## Summary
- Net income Q2 2023 $2.91M ($0.62/share) vs $1.09M ($0.23) in Q2 2022; net interest income rose $2.0M to $7.2M.
- Six-month 2023 net income $5.53M ($1.18/share) vs $2.02M ($0.43) in 2022; ROA improved to 1.27% from 0.48%.
- Nonaccrual loans fell to $87K from $1.44M at Dec 2022; other real estate rose to $952K after foreclosure.
- Shareholders' equity increased $9.33M to $64.53M; unrealized losses on AFS securities narrowed $4.44M to $43.48M.

## SEC filing metadata
- accession: 0001437749-23-020742
- form_type: 8-K
- ticker: PFBX
- cik: 0000770460
- company_name: PEOPLES FINANCIAL CORP /MS/
- filed_at: 2023-07-26T23:59:59+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/770460/000143774923020742/0001437749-23-020742-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/770460/000143774923020742/pfbx20230724_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-020742
- JSON: https://secwatch.observer/filing/0001437749-23-020742.json
- Plain text: https://secwatch.observer/filing/0001437749-23-020742.txt

## Key facts
- Earnings Releases
  PEOPLES FINANCIAL CORP /MS/ reported first six months of 2023 results: net income $5,533,000, EPS $1.18.
  - Period: first six months of 2023
  - Net income: $5,533,000
  - EPS: $1.18
  - Result: reported results
  source text: Net income for the first six months of 2023 increased $3,517,000 to $5,533,000 compared to net income of $2,016,000 for the first six months of 2022. The earnings per weighted average common share for the first six months of 2023 were $1.18 compared to earnings per weighted average common share of $0.43 for the first six months of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/770460/000143774923020742/0001437749-23-020742-index.htm
- Earnings Releases
  PEOPLES FINANCIAL CORP /MS/ reported second quarter ending June 30, 2023 results: net income $2,910,000, EPS $0.62.
  - Period: second quarter ending June 30, 2023
  - Net income: $2,910,000
  - EPS: $0.62
  - Result: reported results
  source text: Net income for the second quarter of 2023 was $2,910,000 compared to net income of $1,092,000 for the second quarter of 2022. The earnings per weighted average common share for the second quarter of 2023 was $0.62 compared to earnings per weighted average common share of $0.23 for the second quarter of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/770460/000143774923020742/0001437749-23-020742-index.htm

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