Stress testing is a vital component of agricultural financial planning, allowing producers to evaluate how resilient their operations are under varying economic conditions. To help your customers in this process, we recommend two tools: FINPACK’s Long Range Planning... Analyzing the riskiness of a borrower becomes more complex when the borrower operates multiple businesses or mixes personal and business finances. To address these complex borrowing situations, FINPACK’s Global Cash Flow Analysis (GCFA) tool provides a structured way... Financial institutions rely on consistent information, sound risk management practices, and industry benchmarks to make informed financial decisions. Standardization in financial analysis helps ensure that institutions are operating from a common framework. The... Financial ratios are an important set of metrics that can aid in evaluating the health and performance of an agricultural business. Ratios are most useful when they are calculated identically and interpreted using consistent standards. The importance of... As we enter 2026, developing accurate cash flow projections is a critical step in guiding financial decisions and managing risk. These projections require careful consideration of accounts receivable, accounts payable, and prepaid expenses, as well as the assumptions... 