{
  "report_rows": [
    {
      "kpi": "Adjusted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$1.02 vs. cons $0.98",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "IN-LINE",
      "answer": "pred ~$2.24B vs. cons $2.23B",
      "confidence": "HIGH"
    },
    {
      "kpi": "Net charge-off ratio",
      "prediction": "BEAT",
      "answer": "pred ~30 bps vs. cons 32.5 bps",
      "confidence": "HIGH"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Net interest income",
      "prediction": "BETTER",
      "answer": "guide ~$8.85B vs. cons $8.78B (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Adjusted noninterest expense",
      "prediction": "LOWER",
      "answer": "guide ~$7.23B vs. cons $7.25B (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net charge-off ratio",
      "prediction": "LOWER",
      "answer": "guide ~32.5 bps vs. cons 35 bps (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest margin exit rate",
      "prediction": "UNCHANGED",
      "answer": "guide ~3.40% vs. cons 3.40% (4Q26 exit)",
      "confidence": "HIGH"
    },
    {
      "kpi": "Comerica cost-synergy run rate",
      "prediction": "UNCHANGED",
      "answer": "guide ~$850M vs. cons $850M (4Q26 annualized)",
      "confidence": "HIGH"
    }
  ],
  "day1_residual_pct": 1.6,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 2.2,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "Modest report upside is partly preannounced, but higher FY2026 NII, lower credit costs, and preserved $850M synergy math should lift out-period EPS estimates and support additional gains after day 1.",
  "day5_confidence": "MEDIUM"
}