michelcarroll/llama2-earnings-stock-prediction-fine-tune huggingface dataset:
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thanks. Good morning, Leo. What I would say is, as you would expect, it's all the -- it's not complicated, it's not complex, but it takes a great deal of time and energy and we are interviewing all the employees of the three companies that are coming together. And as we continue to have conversations and evaluate what will become the Civitas organizational structure there are necessary changes that need to be made. This will be a new company entirely. There is just a lot of work that has to be done in terms of getting to know folks in terms of evaluating the strengths and talents of each individual and a lot of decisions that have to be made in terms of how we are going to arrange the structure itself.
And I would say that's the biggest part of what is ongoing today is the effort around organizational structure. I think much of the decision-making around rationalizing our downtown office space has been done. And I am happy to talk a little bit more about that with much of the decision-making around rationalizing office space and yards in the field has been done. Obviously, we haven't realized the savings, but I think we have got pretty good plans in place. And again, it's just a great deal of work, but having accomplished the HighPoint synergy savings ahead of schedule and the cultural integration ahead of schedule as well, I have got a great deal of confidence in our team's ability to both put this together quickly and execute the close and transition swiftly and without any excess friction. Let me stop there, Leo and see if you have got a follow-up question specifically around what I mentioned.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
That is correct. That's looking at pipeline data, right. It's looking at kind of the mix of products that's coming through within that revenue mix as well to be clear, I think I said in one of my earliest conference calls, I forget which one it was that I don't expect it to get back to the full $95 million for example that we had in Q4 of '20, but we are seeing a quicker recovery, I guess I would say than I had originally anticipated, which is obviously a good thing. And it's driven primarily by the SMB market, which again is a bit of a different dynamic than we expected, whereas the larger enterprises are very focused on the video capability and to build out of that over a longer period of time.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. So CareScheduler which you have to think of as a modulor -- is a module on the EnlivenHealth platform, the platform as a whole are sold to retail pharmacies and does several things right, med synchronization, communication. CareScheduler is a module that they can subscribe to. It is an enhancement to the core platform. And so I think to your point, we have 2,000 and that's grown rapidly, but you've got to remember that the way that the vaccine rollout has progressed is that retail pharmacies are really sort of a late channel for the vaccine deployment. And so I think that, what I would infer from that is that, we will continue to see a significant increase in those number of facilities as retailers, as the channel is leaned on more and more to help vaccinate the population, right as certainly we get out of the frontline healthcare workers and beyond the folks in nursing hump and LTACs to you and I, we're going to rely more heavily on those retail pharmacies, and we would expect continued growth there.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Well, right now we can bring in very meaningful items that we discontinued at $1.25 and they are on the food and consumable side where you get a repeat customer and more frequency. So it's important to us. And when we announced we just wanted to have -- we had flexibility out there that we gave examples of $1.25 and $1.50 and our $3 and $5, we didn't say specifically that we would use those. So right now we feel confident in $1.25, the $3 and $5 and as we've said that on our Dollar Tree Plus we're accelerating to 1,500. But by 2024 we will have 5,000 stores that will be at $1.25, $3 and $5 that we will be able to deliver a meaningful assortment and it gives us the flexibility that we need to manage and mitigate these costs and deliver great products and drive our business.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Good afternoon, Keith and Michael. First of all, congratulations on the stellar results. I'd like to talk about Protiviti. Specifically, wondering if you can give us a little bit more color on the stellar results that they ended up having. As you mentioned, 14 straight quarters, 35% growth. If we take a look at the -- what you're forecasting here going into the second quarter, can you just dimensionalize how much of the uplift is because you're getting more opportunities broadly speaking, more adept versus an improvement in terms of the win rate and really gaining share.
And then can you also talk a little bit about what are some of the drivers -- you did say it was broad based, but I'm wondering if you could give us some commentary with regards to the public sector work, the IT work, SPACs, and obviously, we can see the results in terms of staffing in terms of what's being eliminated for the intersegment revenue, so obviously, that continues to go well, but just wondering if you can give some more color there?

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
That's a good question, Tim. Thanks. Prices are a little bit higher. We've been managing our balance sheet really tightly. Our trade cycle blew out a bit in the midst of the pandemic. But it's back to more normalized single-digit levels. So $60 or so will not make much of a dent in terms of working capital and cash flows. The only way that it would have a more meaningful impact, I think we'd all be very happy if the recovery accelerates very quickly and we had a combination of higher prices and significantly more volumes. But even so, in relation to the amount of liquidity that we have available today, the impact from the combination of those two, I would still expecting that to be overly material. So we did reduce the cash flow opportunity that we would otherwise have, but not that high significant amount.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. I mean -- Doug, it's T.J. We obviously sort of have our internal risk models to maintain liquidity for margin calls and the like. So I think we're well through that given the amount of cash we generated during the quarter.
So we think we can further spend that down by a decent amount as we look into kind of year end. Roughly speaking, like $40 million to $50 million based on the pipeline and sort of where we're seeing the size of our gestation financing or warehouse risk.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah, now, that's -- it's a great question and one of the highest order questions of this industry. And look, this issue of it identifying consumers on the web, initially it was solved by companies that focused their identity graphs around cookies.
And as you have pointed out, whether it's Apple or Google or other players with the push for consumer privacy, the use of cookies by third parties on website is diminishing, right, making which is the deteriorated performance of identity graphs that are anchored around the cookie.
Companies like Neustar and TransUnion design their solutions from the beginning to operate in the post cookie world. So the way we resolve identity is based on multiple factors.
Certainly, we have a large data set of cookies that is part of the solution. But we also have terrestrial information, cellphone information, URLs, device IDs, mobile ad IDs, behavioral -- a whole panoply of information and a lot of real deep and thoughtful intelligence around the algorithms that resolves that information frankly in milliseconds right to support personalized transactions in real time.
So one of the reasons that we've doubled down in this space is we felt like the market was moving toward our broader identity resolution capabilities and that could be advantage.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
That's right, yes. And then, if we were to drive significant cross-selling, that could be some upside, but currently in line with our bookings expectations for the year.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Right. The $40 million is a budget right now, if there are lots of opportunities we're happy to spend more than $40 million. From our perspective, it's all about the IRR on the deal. So we'll deploy that domestically, potentially even internationally to the right deals in the right markets. Conversions, new constructions, there will be-from an IRR perspective, it'll hit our hurdle rates, which is higher than our WAC, and also includes some risk adjusted premium for the specific deal and the specific market, particularly if we were talking about international deals. Some of those would have higher hurdle rates. And so if there is potential to spend more than $40 million, we would. From a free cash flow conversion rate, it'll put a little bit of pressure on the conversion. We don't expect to have an elevated spent into perpetuity, right? We think this is in direct response to what we're seeing in the marketplace today and responding, reacting to today's opportunities. I still -- $40 million level, we would be able to get close to 55% to 60% on free cash flow conversion when demand begins to normalize.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hi good morning. This is Dennis Camporeale. I'm calling in for Keith Hughes. Thanks for taking my questions. So just two brief ones. In terms of supply side headwinds, you mentioned that you're likely to pose less of a challenge going forward. Just generally, I wanted to touch briefly on labor and whether you anticipate or have been seeing challenges in labor and to what extent that plays into the bigger supply chain challenge picture. And then just briefly, just to touch on Paperboard, whether cost in this business, whether you anticipate that these costs are maybe peaking and what stands that when the peak by come or when these costs might level off? Thank you.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I don't think we've broken that detail out. But our -- I would just comment. Our fall '21 wholesale order book was quite robust coming off of retailers being exceptionally clean coming out of the fall '20 season. So we'll see outsized growth in the wholesale business.
Keep in mind, e-commerce is going to be going up against some fairly significant comps that we delivered last year. We did provide commentary that we anticipate the e-commerce business from an overall penetration perspective. And we were 19% of sales in 2020, that we would see that come down ever so slightly. And then you'll have the recovery pick up of the brick-and-mortar business.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Michael?

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. We've got a good strong fourth quarter for a couple of reasons. One is, we've got some nice material volume and profit and some of our higher-margin contracts, and we've also got a bit of growth in the medical business in the fourth quarter. So we're expecting a good strong fourth quarter in NPG. And also in NOG, obviously, implied in our guidance and NSG typically delivers a strong fourth quarter itself. So I'm really kind of expecting good numbers across the board in 4Q.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
One of the things we're excited about is going to the Analyst Conference to review, number one, 2021 and to publish for the first time 2022. And if you harken back to the Oncor transaction, what we tend to do is make sure, number one, that any accretion associated with this transaction is included in the guidance that we expect to present. That has not been the case to date, right, in terms of the guidance we put out for 2021. And we tend to look at the overall impact of the accretion over multiple years. I think in Oncor case, we provided three- to four-year average accretion, that would be our expectation would be to hear to that convention in June when we're all together.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I do. I think there could be a little bit more migration, but I do. A lot of our criticized, as you know with the hotel book and we pour over that every quarter and I described that criticized level as very stable. We think it will take some time to migrate back into a past grade just given the depths of what happened in the hospitality industry. But my own intuition or gut based on these in-depth quarterly reviews, I feel like that's above feat.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Not exactly. But as you can imagine, the percent of floating on New York Community's balance sheet is not that high, right? But what we have done in the past is we put a swap on to take $2 billion of our fixed rate loans and push it to floating. Flagstar has the same types of programs. They do the same types of balance sheet management on their end.
And the benefits on the interest -- on the NII sensitivity is not only from the variable rate lending, the true benefits on the liability side. Those non-interest-bearing cost of funds, those low beta other deposit accounts is really what's helping to drive the NII sensitivity as well. So, yes, there's definitely a higher variable percentage in the Flagstar franchise, which is beneficial. It's really the entire balance sheet where we're seeing the NII benefits, especially on the deposit side.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
George, does that answer your question?

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
It's still early days. So, we opened Pittsburgh and Nashville and they are a month -- they are about a three months into being new branches and opening. It takes a little time to try to do a judge on this. So, we have good professionals in those branches. One of them is -- was from another BBSI branch. The other was a new hire who has been trained and operating in the new model. So, it will be a -- we're confident they will do well, but we got to give them a little time.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thank you. Operator?

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah -- no, that -- obviously the biggest uplift -- and thanks, Bob. About the big biggest uplift was from China, which has grown substantially. But as we have commercialized into 58 different countries, we have a much better line of sight into procedure volumes whether that's India, China, Eastern Europe, etc. And those -- made those markets are less well-studied, so when we first calculated our addressable market back end of 2018 leading into our IPO '19, we did our best to estimate how many SFA procedures and coronary procedures etc.
there are. So some of those markets are have grown substantially. Some we just have better visibility and realize there are more procedures going on. And just for those who are less close to how we calculate TAM than perhaps you are Bob, we don't look at sort of how many people have coronary arteries, disease, or how many people have peripheral artery disease.
We would have, obviously, a substantially larger TAM if you calculated the true potential addressable market. We chose a more sort of realizable market by taking the existing procedure volumes than what percent of those patients are classified. And so we don't calculate based on market development of interventional procedures per se, but rather our ability to penetrate or the population that we could -- that would benefit that is already being treated perhaps optimally, in our view, because they're using ShockWave all the time. But we're encouraged, obviously, by the -- our ability to penetrate markets around the globe, but we are barely scratching the surface and particularly relative to our TAM estimate.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Well, we're calling it -- that internally. We're putting the pressure on the team. We got to keep that. You know, I think that there is some level of stimulus that's been in our commercial performance as well. But not nearly to the extent that it has helped accelerate the DIY business. So we have big expectations to continue to grow commercial at fairly robust rates going forward.
Clearly, the DIY piece will be more challenged as we head into Q4 and really frankly the next 12 months. But commercial we think is a much stickier business. Yes, we picked up new customers, more importantly, we've penetrated our existing customers with new categories or deeper levels of their business. As Jamere said as far as the trade-off between the up and down the street customer or the national account customer, before this quarter, our up and down the street business was performing much better than our national account business.
This quarter the national account business was generally in line with our up and down the street business, and as we talk to those leaders, their businesses have improved along the same lines.

    Prediction (one of UP, DOWN, SAME): SAME