---
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"
generated_at: "2026-05-23T08:37:25.500132+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Peoples Financial Q1 net income falls 46% to $1.31M; EPS $0.28 vs $0.52

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-005269
- JSON: https://secwatch.observer/filing/0001558370-25-005269.json
- Plain text: https://secwatch.observer/filing/0001558370-25-005269.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.