---
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"
generated_at: "2026-06-09T07:29:27.310121+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Q3 net income up 6.9% to $1.91M; regular dividend raised 50% plus $0.23 special dividend

## Summary
- 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.

## SEC filing metadata
- 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
- 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/770460/000143774923029245/0001437749-23-029245-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/770460/000143774923029245/pfbx20231026_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-029245
- JSON: https://secwatch.observer/filing/0001437749-23-029245.json
- Plain text: https://secwatch.observer/filing/0001437749-23-029245.txt

## Key facts
- Earnings Releases
  PEOPLES FINANCIAL CORP /MS/ reported the third quarter ending September 30, 2023 results: net income $1,910,000, EPS $0.41.
  - Period: the third quarter ending September 30, 2023
  - Net income: $1,910,000
  - EPS: $0.41
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/770460/000143774923029245/0001437749-23-029245-index.htm

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