{
  "report_rows": [
    {
      "kpi": "Adjusted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$4.58 vs. cons $4.50",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "IN-LINE",
      "answer": "pred ~$4.10B vs. cons $4.08B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Fee income",
      "prediction": "BEAT",
      "answer": "pred ~$2.16B vs. cons $2.13B",
      "confidence": "LOW"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Net interest income growth",
      "prediction": "BETTER",
      "answer": "guide ~15.0% vs. cons 14.5% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total revenue growth",
      "prediction": "BETTER",
      "answer": "guide ~11.5% vs. cons 11.0% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Average loan growth",
      "prediction": "BETTER",
      "answer": "guide ~11.5% vs. cons 11.0% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Noninterest expense growth excluding integration costs",
      "prediction": "UNCHANGED",
      "answer": "guide ~7.0% vs. cons 7.0% (FY2026)",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 1.8,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 2.7,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "A modest operating beat plus higher FY2026 NII and revenue guidance, without an offsetting expense increase, should lift second-half and 2027 estimates; the stronger out-period math supports continued gains after day 1.",
  "day5_confidence": "MEDIUM"
}