{
  "report_rows": [
    {
      "kpi": "Diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$4.73 vs. cons $4.66",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Taxable-equivalent net interest income",
      "prediction": "IN-LINE",
      "answer": "pred ~$1.805B vs. cons $1.790B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total noninterest income",
      "prediction": "BEAT",
      "answer": "pred ~$681M vs. cons $672.8M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Taxable-equivalent net interest income",
      "prediction": "LOWER",
      "answer": "guide ~$7.24B vs. cons $7.27B (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Fee income",
      "prediction": "BETTER",
      "answer": "guide ~$2.80B vs. cons $2.78B (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "CET1 target and implied capital return",
      "prediction": "BETTER",
      "answer": "guide ~10.0% vs. cons 10.1% (FY2026 year-end)",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 1.3,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 0.4,
  "day5_path": "FADE",
  "day5_rationale": "The initial EPS and fee-income beats should support day 1, but FY2026 taxable-equivalent NII of ~$7.24B vs. consensus ~$7.27B implies limited or slightly negative out-period estimate revisions, causing most of the initial residual gain to fade by day 5.",
  "day5_confidence": "LOW"
}