{
  "report_rows": [
    {
      "kpi": "EPS",
      "prediction": "BEAT",
      "answer": "pred ~$4.65 vs. cons $4.48",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total Revenue",
      "prediction": "BEAT",
      "answer": "pred ~$6.55B vs. cons $6.45B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net Interest Income",
      "prediction": "BEAT",
      "answer": "pred ~$3.60B vs. cons $3.55B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Q3 2026 Net Interest Margin guidance",
      "prediction": "BETTER",
      "answer": "guide ~3.02% vs. cons ~2.98% (Q3 2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 Net Interest Income growth guide",
      "prediction": "BETTER",
      "answer": "guide ~15% vs. cons ~14.5% (FY2026)",
      "confidence": "LOW"
    },
    {
      "kpi": "Q3 2026 Net charge-offs guide",
      "prediction": "BETTER",
      "answer": "guide ~$220M vs. cons ~$235M (Q3 2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 average loan growth guide",
      "prediction": "UNCHANGED",
      "answer": "guide ~11% vs. cons ~11% (FY2026)",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": -1.0,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": -2.5,
  "day5_path": "FADE",
  "day5_rationale": "Stock has already rallied ~20% into the print on peer-driven bank optimism and multiple sell-side target hikes, so a quarter that merely hits PNC's own detailed Q2 guidance (loans +2-3%, NII +3%, revenue +3.5%) is largely priced in; even with a modest EPS/revenue beat, the setup favors 'sell-the-news' as investors rotate to assess out-period math\u2014NIM's push toward 3%+ is already expected, FirstBank integration costs (~$150-175M remaining in H2) and NDFI/private-credit headline risk linger, and full-year guide reiteration (rather than a raise) would leave estimate revisions flat-to-down, pulling the stock back from its highs over the following days.",
  "day5_confidence": "MEDIUM"
}