{
  "report_rows": [
    {
      "kpi": "Diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$1.26 vs. cons $1.22",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "BEAT",
      "answer": "pred ~$1.64B vs. cons $1.62B",
      "confidence": "HIGH"
    },
    {
      "kpi": "Noninterest income",
      "prediction": "BEAT",
      "answer": "pred ~$0.64B vs. cons $0.63B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 net interest income",
      "prediction": "BETTER",
      "answer": "guide ~$6.55B vs. cons $6.49B (FY26)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "4Q26 net interest margin",
      "prediction": "BETTER",
      "answer": "guide ~3.27% vs. cons 3.25% (4Q26)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 expense growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~4.5% vs. cons 4.4% (FY26)",
      "confidence": "HIGH"
    },
    {
      "kpi": "3Q26 net charge-off ratio",
      "prediction": "UNCHANGED",
      "answer": "guide ~0.38% vs. cons 0.38% (3Q26)",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 3.2,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 4.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "5-day residual ~4.5% vs. day-1 residual ~3.2%: a NII/fee beat paired with higher FY26 NII and a firmer ~3.27% 4Q26 NIM path should lift out-period EPS estimates rather than leave an implicit estimate cut.",
  "day5_confidence": "MEDIUM"
}