A finance-specialist ~4B language model built by merging a QLoRA adapter into google/gemma-4-E4B-it. This is the full merged model — no adapter loading required, just load and run.

For the LoRA adapter weights, see naazimsnh02/FinanceGemma-E4B-lora.

Highlights

Architecture: Gemma 4 (~4B parameters), full float16 merged weights
Specialization: Financial sentiment analysis, headline classification, financial QA
Training method: 4-bit QLoRA SFT with response-only loss, merged to 16-bit
Hardware: Trained on 1× NVIDIA L4 (24 GB) on GCP instance
Final train loss: 0.0864

Training details

Parameter	Value
Base model	`google/gemma-4-E4B-it`
Fine-tuning method	4-bit QLoRA (rank 32, alpha 64)
Target modules	All attention + MLP layers
Max sequence length	4096
Effective batch size	16 (micro-batch 1 × grad accum 16)
Epochs	2 (3,738 total steps)
Learning rate	1e-4 (cosine schedule, 3% warmup)
Optimizer	AdamW 8-bit, bf16 precision
Weight decay	0.01
Training runtime	~16.6 hours
Peak VRAM	16.4 GB
Loss (start → end)	0.587 → 0.085

Training data

~30,000 instruction-response pairs sampled from:

Diversity-sampled with per-source and per-task-type caps. 10-gram decontaminated against FLARE evaluation inputs to prevent benchmark leakage.

Evaluation

FLARE-style multiple-choice accuracy on AdaptLLM/finance-tasks (greedy decoding, temp=0):

Task	n	Accuracy
FPB	970	78.4%
FiQA_SA	235	67.2%
Headline	20,547	69.2%
Macro avg	—	71.6%

Usage

python

from transformers import AutoModelForCausalLM, AutoTokenizer

model = AutoModelForCausalLM.from_pretrained(
    "naazimsnh02/FinanceGemma-E4B",
    device_map="auto",
    torch_dtype="auto",
)
tokenizer = AutoTokenizer.from_pretrained("naazimsnh02/FinanceGemma-E4B")

prompt = "Classify the sentiment of this financial news: 'Tesla shares dropped 8% after missing delivery targets for Q3.'"
messages = [{"role": "user", "content": [{"type": "text", "text": prompt}]}]
inputs = tokenizer.apply_chat_template(messages, return_tensors="pt", add_generation_prompt=True, return_dict=True).to(model.device)
output = model.generate(**inputs, max_new_tokens=128)
print(tokenizer.decode(output[0], skip_special_tokens=True))

With Unsloth (faster)

python

from unsloth import FastModel

model, tokenizer = FastModel.from_pretrained(
    "naazimsnh02/FinanceGemma-E4B",
    max_seq_length=4096,
    load_in_4bit=True,
)
FastModel.for_inference(model)

Intended use

Sentiment classification of financial text (positive / negative / neutral)
Headline interpretation (price direction signals)
Financial QA and reasoning

Limitations

English-language finance only
Optimized for classification/short-answer — not long-form generation
SFT only (no reinforcement learning)
Merged from a 4-bit QLoRA adapter — some quality gap vs. full fine-tuning expected

License

Apache 2.0