| Dataset | n | IN/OUT sample | best single (acc) | ensemble acc | ensemble direction |
|---|---|---|---|---|---|
| Financial PhraseBank v1.0 (50agree) | 500 | IN-sample | finbert (0.892) | 0.816 | 0.972 |
| FiQA-2018 (Pau Riba, test split) | 150 | OOS | finbert (0.567) | 0.640 | 0.838 |
Verdict: see reports/finbert_backtest_phrasebank.md (in-sample) and reports/finbert_backtest_fiqa.md (OOS). The OOS table is the decision-relevant one.