8-K ·Filed Apr 22, 2026
8-K Item 2.02: Earnings release
Actionable Insight ▲ Bullish
The sequential improvement in net interest income and deposit inflows suggests stabilization; monitor next quarter for sustained momentum and loan growth trends.
Final — all horizons settled through T+60d ⚠ clustered
PFBX ▲ +3.52% at T+60d
LONG call ✓ call won +3.52% · α vs SPY -1.26% · entry $21.01 → $21.75
T+1d
0.00%
call 0.00% · α +0.39%
$21.01
settled 6mo ago
T+5d
+2.33%
call +2.33% · α +2.28%
$21.50
settled 6mo ago
T+20d
+1.14%
call +1.14% · α -2.02%
$21.25
settled 5mo ago
T+60d
+3.52%
call +3.52% · α -1.26%
$21.75
settled 3mo ago
Price Chart
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Executive Summary
Peoples Financial Corporation reported first-quarter 2026 earnings with net income of $1.446 million, up from $1.310 million in Q1 2025, driven by higher net interest income and improved efficiency. The bank also saw a rebound in deposits after prior outflows.
Key Financial Metrics
EPS
$0.31
est $0.27 · +14.8%
Revenue
$7.6M
est $0.00 · +0.7% YoY
Rating
beat
Key Facts
- Net income increased 10.4% year-over-year to $1.446 million in Q1 2026 from $1.310 million in Q1 2025
- Earnings per share rose to $0.31 from $0.28 in the prior-year quarter
- Net interest income increased by $99,000 year-over-year to $5.767 million
- Total deposits rebounded to $666.189 million, up from $604.429 million at year-end 2025
- Efficiency ratio improved to 76% from 77% in the prior-year quarter
Financial Impact
Net income up 10.4% YoY to $1.446M, net interest income up $99K
revenueepsefficiencyRatiodeposits
Risk Factors
- Unrealized losses on securities increased by $718,000, indicating ongoing duration risk in a higher rate environment
- Nonaccrual loans rose to $517,000, up from $441,000 in Q1 2025
Market Snapshot
Exchange
OTC
Sector
State Commercial Banks
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001104659-26-046776 |
| Document: pfbx-20260422x8k.htm | 0001104659-26-046776 |
| Document: 0001104659-26-046776-index-headers.html | 0001104659-26-046776 |
| Document: 0001104659-26-046776-index.html | 0001104659-26-046776 |
| Document: 0001104659-26-046776.txt | 0001104659-26-046776 |
| 8-K Data (Synthetic) | 0001104659-26-046776 |
13 reports for PFBX
67% Hit rate @ T+60 Went positive at some point 3 of 3 best @ T+60▲ +7.21%
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
Jul 22, 2026 13w ago | Press Release | $22.84 $24.00 | ▼ −5.08% | ▼ −0.88% | $24.25 (−6.17%) |
Jun 4, 2026 20w ago | Insider Cluster | $21.25 $24.29 | ▲ +14.31% | ▲ +12.42% | $24.25 (+14.12%) |
May 29, 2026 21w ago | Insider Cluster | $21.25 $23.10 | ▲ +8.71% | ▲ +7.52% | $24.25 (+14.12%) |
May 28, 2026 21w ago | Insider Cluster | $21.25 $22.75 | ▲ +7.06% | ▲ +5.32% | $24.25 (+14.12%) |
May 28, 2026 21w ago | Insider Cluster | $21.25 $22.75 | ▲ +7.06% | ▲ +5.32% | $24.25 (+14.12%) |
May 27, 2026 21w ago | 8-K | $21.25 $22.75 | ▲ +7.06% | ▲ +5.32% | $24.25 (+14.12%) |
Apr 29, 2026 25w ago | Insider Cluster | $21.17 $23.50 | ▲ +11.01% | ▲ +7.66% | $24.25 (+14.55%) |
Apr 27, 2026 26w ago | Insider Cluster | $21.32 $22.84 | ▲ +7.14% | ▲ +3.05% | $24.25 (+13.75%) |
Apr 24, 2026 26w ago | Insider Cluster | $21.50 $23.05 | ▲ +7.21% | ▲ +2.13% | $24.25 (+12.79%) |
Apr 24, 2026 26w ago | Insider Cluster | $21.50 $22.84 | ▲ +6.23% | ▲ +2.24% | $24.25 (+12.79%) |
Showing 10 of 13
US Market Status
Market Closed — Opens in 3h 32m
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