{
  "report_rows": [
    {
      "kpi": "Diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$4.76 vs. cons $4.66",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Taxable-equivalent net interest income",
      "prediction": "BEAT",
      "answer": "pred ~$1.82B vs. cons $1.79B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total revenue",
      "prediction": "BEAT",
      "answer": "pred ~$2.49B vs. cons $2.46B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 taxable-equivalent NII",
      "prediction": "UNCHANGED",
      "answer": "guide ~$7.25B vs. cons $7.25B (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 fee income",
      "prediction": "BETTER",
      "answer": "guide ~$2.80B vs. cons $2.75B (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 GAAP expense",
      "prediction": "UNCHANGED",
      "answer": "guide ~$5.60B vs. cons $5.60B (FY2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY2026 average loans",
      "prediction": "UNCHANGED",
      "answer": "guide ~$141.0B vs. cons $141.0B (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 net charge-offs / average loans",
      "prediction": "UNCHANGED",
      "answer": "guide ~40 bps vs. cons 40 bps (FY2026)",
      "confidence": "HIGH"
    }
  ],
  "day1_residual_pct": 2.2,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 3.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "A >1% EPS/NII beat, confirmation that CRE is inflecting, and fee-income guidance moving above the prior $2.775B ceiling should lift FY2026/FY2027 EPS and capital-return assumptions; unchanged NII and credit guidance limits upside but should not negate estimate revisions.",
  "day5_confidence": "MEDIUM"
}