{
  "report_rows": [
    {
      "kpi": "Adjusted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$1.29 vs. cons $1.25",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "IN-LINE",
      "answer": "pred ~$1.627B vs. cons $1.617B",
      "confidence": "HIGH"
    },
    {
      "kpi": "Noninterest income",
      "prediction": "BEAT",
      "answer": "pred ~$642M vs. cons $630M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Net interest income growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~11.0% vs. cons 11.1% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Noninterest income growth",
      "prediction": "BETTER",
      "answer": "guide ~7.5% vs. cons 7.0% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Noninterest expense growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~4.5% vs. cons 4.5% (FY2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "Net interest margin",
      "prediction": "UNCHANGED",
      "answer": "guide ~3.25% vs. cons 3.25% (4Q2026)",
      "confidence": "HIGH"
    }
  ],
  "day1_residual_pct": 2.4,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 1.3,
  "day5_path": "FADE",
  "day5_rationale": "The fee-led beat should drive the initial gain, but largely unchanged FY2026 NII and NIM guidance implies only modest out-period estimate revisions; cumulative residual therefore fades from ~2.4% on day 1 to ~1.3% by day 5.",
  "day5_confidence": "MEDIUM"
}