PEOPLES FINANCIAL CORP /MS/ (PFBX) Form 8-K — Jul 22, 2026
Peoples Financial Corporation reported a decline in second quarter 2026 earnings, with net income falling to $897,000 from $1,242,000 in the prior year quarter. Earnings per share dropped to $0.19 compared to $0.27, driven primarily by a $553,000 decrease in net interest income due to lower yields on securities and federal funds. The company’s efficiency ratio deteriorated to 80% from 78% year-over-year, while return on average assets slightly decreased to 0.63%. Total shareholders’ equity increased to $101.7 million, partially bolstered by six-month earnings of $2.3 million, although unrealized losses on available-for-sale securities grew by $469,000 to $29.4 million.
Key figures
- Eps
- 0.19
- Net Income
- 897000
- Total Assets
- 771025000
- Leverage Ratio
- 15.22%
- Total Deposits
- 609777000
- Book Value Per Share
- 22.03
- Shareholders Equity
- 101710000
- Unrealized Losses AFS
- 29398000
- Efficiency Ratio Q2 2025
- 78%
- Efficiency Ratio Q2 2026
- 80%
- Net Interest Income Q2 2025
- 5472000
- Net Interest Income Q2 2026
- 4919000
- Non Interest Income Q2 2025
- 1777000
- Non Interest Income Q2 2026
- 1887000
- Return On Average Assets Q2 2025
- 0.64%
- Return On Average Assets Q2 2026
- 0.63%
AI analysis
The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.
AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.