{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-029245","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2023-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.977826+00:00","generated_at":"2026-06-09T07:29:27.310121+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Q3 net income up 6.9% to $1.91M; regular dividend raised 50% plus $0.23 special dividend","bullets":["Q3 2023 net income $1.91M ($0.41 EPS) vs $1.786M ($0.38 EPS) in Q3 2022.","Nine-month net income $7.443M ($1.59 EPS) nearly doubles from $3.802M ($0.81 EPS).","Regular semi-annual dividend increased 50% to $0.18/share; special dividend $0.23/share; payable Nov 17.","Net interest income rose $686K to $6.349M; efficiency ratio improved to 66% from 81%.","Nonaccrual loans fell to $188K from $1.441M; credit loss provision negative $275K."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-029245","json":"https://secwatch.observer/filing/0001437749-23-029245.json","markdown":"https://secwatch.observer/filing/0001437749-23-029245.md","text":"https://secwatch.observer/filing/0001437749-23-029245.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000143774923029245/0001437749-23-029245-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000143774923029245/pfbx20231026_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T07:29:27.310121+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":"0710aa5eef85c20b848149bd45018a477e2f1116","claim":"PEOPLES FINANCIAL CORP /MS/ reported the third quarter ending September 30, 2023 results: net income $1,910,000, EPS $0.41.","evidence_excerpt":"Net income for the third quarter of 2023 was $1,910,000 compared to net income of $1,786,000 for the third quarter of 2022. The earnings per weighted average common share for the third quarter of 2023 were $0.41 compared to earnings per weighted average common share of $0.38 for the third quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/770460/000143774923029245/0001437749-23-029245-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter ending September 30, 2023"},{"label":"Net income","value":"$1,910,000"},{"label":"EPS","value":"$0.41"},{"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"}