Reliable financial reasoning requires knowing not only how to answer, but also when an answer cannot be justified. In real financial practice, problems often rely on implicit assumptions that are taken for granted rather than stated explicitly, causing problems to appear solvable while lacking enough information for a definite answer. We introduce RealFin, a bilingual benchmark that evaluates financial reasoning by systematically removing essential premises from exam-style questions while keeping them linguistically plausible. Based on this, we evaluate models under three formulations that test answering, recognizing missing information, and rejecting unjustified options, and find consistent performance drops when key conditions are absent. General-purpose models tend to over-commit and guess, while most finance-specialized models fail to clearly identify missing premises. These results highlight a critical gap in current evaluations and show that reliable financial models must know when a question should not be answered. The dataset and code are available athttps://github.com/insait-institute/RealFin.

Vision-language models (VLMs) often answer visual questions using learned language and category priors rather than grounding their predictions in the image itself. Counterfactual images provide a natural diagnostic setting for this failure mode: when visible evidence contradicts what is usually true, a grounded model should answer from the pixels, while a prior-following model will produce a canonical but visually incorrect response. However, existing counterfactual benchmarks mainly ask whether such prior-following behavior exists. In this paper, we ask a further question motivated by the rise of tool-augmented and agentic vision systems: can additional visual evidence views help VLMs reason against their priors? We introduce PriVE-Bench, a Prior-vs-Visual Evidence Benchmark that uses paired original and counterfactual images to distinguish visually grounded answers from prior-consistent errors. We further introduce PriVE-Tools, a controlled agentic-vision-inspired extension that evaluates whether tool-derived visual evidence—including bounding boxes, crops, zoom panels, and contours—improves grounding under the same counterfactual conflicts. Across open- and closed-source VLMs, we compare raw, paired-image, and tool-conditioned inputs using accuracy, prior-following error rate, and other-response rate. Our results show that visual evidence tools can help in some settings, especially when models can use localized evidence effectively, but they are not a universal remedy: several models continue to follow language and category priors even when relevant visual evidence is explicitly provided. The benchmark and codebase can be accessed at https://github.com/JingyuSunUOE/counterfactual-vlm-benchmark