{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-002078","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2024-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.894441+00:00","generated_at":"2026-06-06T19:37:23.700579+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Peoples Financial reports 2023 net income $9.17M ($1.96 EPS), third best year; annual meeting Apr 24","bullets":["Full-year net income rose to $9.17M from $8.94M in 2022; EPS increased to $1.96 from $1.91.","Q4 net income was $1.72M vs $5.25M last year, due to a $2.45M nonrecurring deferred tax benefit in Q4 2022.","Net interest income for 2023 increased $4.92M to $26.47M driven by higher rates and loan income.","Efficiency ratio improved to 67% from 77%; return on average assets rose to 1.10% from 1.06%.","Annual meeting of shareholders scheduled for April 24, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-002078","json":"https://secwatch.observer/filing/0001437749-24-002078.json","markdown":"https://secwatch.observer/filing/0001437749-24-002078.md","text":"https://secwatch.observer/filing/0001437749-24-002078.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000143774924002078/0001437749-24-002078-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000143774924002078/pfbx20240124_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T19:37:23.700579+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":"7ed18153b2c0375cfa14841a1707e60ff3341af2","claim":"PEOPLES FINANCIAL CORP /MS/ reported for the fourth quarter ending December 31, 2023 results: net income $1,723,000, EPS $0.37.","evidence_excerpt":"Net income for the fourth quarter of 2023 was $1,723,000 compared to net income of $5,250,000 for the fourth quarter of 2022. The earnings per weighted average common share for the fourth quarter of 2023 were $0.37 compared to earnings per weighted average common share of $1.12 for the fourth quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/770460/000143774924002078/0001437749-24-002078-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"for the fourth quarter ending December 31, 2023"},{"label":"Net income","value":"$1,723,000"},{"label":"EPS","value":"$0.37"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"f2699dbad78a886fa1fa62e4dd43cfcbbb397d4f","claim":"PEOPLES FINANCIAL CORP /MS/ reported for the year ended December 31, 2023 results: net income $9,166,000, EPS $1.96.","evidence_excerpt":"Net income for the year ended December 31, 2023 increased $225,000 to $9,166,000 compared to net income of $8,941,000 for the year ended December 31, 2022. The earnings per weighted average common share for the year ended December 31, 2023 were $1.96 compared to earnings per weighted average common share of $1.91 for the year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/770460/000143774924002078/0001437749-24-002078-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"for the year ended December 31, 2023"},{"label":"Net income","value":"$9,166,000"},{"label":"EPS","value":"$1.96"},{"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"}