{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-023362","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2024-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.822623+00:00","generated_at":"2026-05-31T17:40:14.670157+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Peoples Financial Q2 net income falls 20% to $0.50 EPS on higher deposit costs","bullets":["Net income $2.33M vs $2.91M in Q2 2023; EPS $0.50 vs $0.62.","Net interest income fell $1.3M to $5.9M as interest expense surged 93% to $2.79M.","Income tax benefit of $229K vs $811K expense due to release of valuation allowance on tax credits.","Deposits down $13.6M from year-end to $674.9M due to loss of public fund accounts in bids.","Unrealized losses on AFS securities improved to $38.9M from $43.5M; leverage ratio 11.84%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-023362","json":"https://secwatch.observer/filing/0001437749-24-023362.json","markdown":"https://secwatch.observer/filing/0001437749-24-023362.md","text":"https://secwatch.observer/filing/0001437749-24-023362.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000143774924023362/0001437749-24-023362-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000143774924023362/pfbx20240722_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T17:40:14.670157+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}