{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-000368","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.319324+00:00","generated_at":"2026-05-27T17:41:09.836025+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Peoples Financial Q4 net income down 11% YoY to $1.528M; announces new buyback plan, annual meeting date","bullets":["Q4 2024 net income $1.528M ($0.33 EPS) vs $1.723M ($0.37 EPS) in Q4 2023, driven by higher noninterest expense and interest expense.","Full-year 2024 net income $21.703M ($4.66 EPS) includes $15.194M one-time tax benefit from reversal of valuation allowance; pre-tax income fell to $8.380M from $11.287M.","New stock repurchase program: up to 40,000 shares or $750,000 aggregate price, expiring Dec 31, 2025; prior $1M plan repurchased 44,220 shares.","Annual meeting of shareholders scheduled for April 23, 2025; common shares outstanding 4,617,466 as of Dec 31, 2024.","Bank leverage ratio remained strong at 13.95%; shareholders' equity increased to $90.0M from $69.3M."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-000368","json":"https://secwatch.observer/filing/0001558370-25-000368.json","markdown":"https://secwatch.observer/filing/0001558370-25-000368.md","text":"https://secwatch.observer/filing/0001558370-25-000368.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000155837025000368/0001558370-25-000368-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000155837025000368/pfbx-20250123x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T17:41:09.836025+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"}