secwatch.observer — SEC 8-K summary
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Issuer:     PEOPLES FINANCIAL CORP /MS/ (PFBX)
CIK:        0000770460
Form:       8-K
Filed at:   2025-04-23T23:59:59+00:00
Accession:  0001558370-25-005269
Event type: earnings
Sentiment:  negative
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/770460/000155837025005269/0001558370-25-005269-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/770460/000155837025005269/pfbx-20250422x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-25-005269

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer