{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-013045","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2024-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.941289+00:00","generated_at":"2026-06-03T10:30:43.042213+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Peoples Financial Q1 net income down 8% to $2.4M, announces $1M stock buyback","bullets":["Net income $2.415M ($0.52 diluted EPS) vs $2.623M ($0.56) in Q1 2023, down 8%.","Net interest income fell $357K to $6.693M; higher rates boosted interest income but interest expense surged.","Board approved stock repurchase up to $1M or ~64K shares; shares will be retired.","Total deposits increased $123M to $811.5M, driven by government tax collections and new public fund customers.","Unrealized losses on AFS securities rose to $40.9M; Bank leverage ratio remains strong at 11.48%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-013045","json":"https://secwatch.observer/filing/0001437749-24-013045.json","markdown":"https://secwatch.observer/filing/0001437749-24-013045.md","text":"https://secwatch.observer/filing/0001437749-24-013045.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000143774924013045/0001437749-24-013045-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000143774924013045/pfbx20240422_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T10:30:43.042213+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":"7f443e0fc686f6c2343e231721c1d8daf2e237bd","claim":"PEOPLES FINANCIAL CORP /MS/ reported the first quarter ending March 31, 2024 results: net income $2,415,000, EPS $0.52.","evidence_excerpt":"Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peoples Bank (the “Bank”), announced earnings for the first quarter ending March 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/770460/000143774924013045/0001437749-24-013045-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter ending March 31, 2024"},{"label":"Net income","value":"$2,415,000"},{"label":"EPS","value":"$0.52"},{"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"}