{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-013528","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2024-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.000813+00:00","generated_at":"2026-05-30T11:17:45.626435+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Peoples Financial Q3 net income jumps to $15.4M on $15.2M deferred tax asset reversal; pre-tax income falls 40%","bullets":["Q3 2024 net income $15.4M ($3.31 EPS) vs $1.9M ($0.41 EPS) a year ago; includes $15.2M one-time tax benefit from valuation allowance reversal.","Pre-tax income fell to $1.3M from $2.2M due to $1.1M increase in interest expense from higher deposit rates.","Nine-month net income $20.2M ($4.33 EPS) vs $7.4M ($1.59 EPS); excluding tax benefit, pre-tax income down 28% to $6.5M.","Unrealized losses on AFS securities declined to $32.1M from $50.7M a year ago; bank leverage ratio strong at 13.48%.","Deposits decreased $22.4M since year-end 2023 to $666.1M; gross loans up $9.6M to $239.3M."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-013528","json":"https://secwatch.observer/filing/0001558370-24-013528.json","markdown":"https://secwatch.observer/filing/0001558370-24-013528.md","text":"https://secwatch.observer/filing/0001558370-24-013528.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000155837024013528/0001558370-24-013528-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000155837024013528/pfbx-20241023x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:17:45.626435+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"}