{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-005269","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2025-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.228365+00:00","generated_at":"2026-05-23T08:37:25.500132+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 Q1 net income falls 46% to $1.31M; EPS $0.28 vs $0.52","bullets":["Net income $1.31M vs $2.415M in Q1 2024; EPS $0.28 vs $0.52.","Net interest income down $1.025M to $5.668M due to lower securities income and yields.","Efficiency ratio worsened to 77% from 64%; ROA fell to 0.62% from 1.12%.","Total deposits increased $31.3M to $752M; leverage ratio strong at 13.32%.","Unrealized losses on AFS securities decreased to $34.9M from $38.0M at year-end."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-005269","json":"https://secwatch.observer/filing/0001558370-25-005269.json","markdown":"https://secwatch.observer/filing/0001558370-25-005269.md","text":"https://secwatch.observer/filing/0001558370-25-005269.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000155837025005269/0001558370-25-005269-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000155837025005269/pfbx-20250422x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T08:37:25.500132+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"}