{
  "report_rows": [
    {
      "kpi": "Diluted EPS (GAAP)",
      "prediction": "BEAT",
      "answer": "pred ~$0.61 vs. cons $0.60",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "IN-LINE",
      "answer": "pred ~$1.274B vs. cons $1.272B",
      "confidence": "HIGH"
    },
    {
      "kpi": "Net interest margin (FTE)",
      "prediction": "IN-LINE",
      "answer": "pred ~3.72% vs. cons 3.71%",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 net interest income growth",
      "prediction": "BETTER",
      "answer": "guide ~3.3% vs. cons 3.1% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 exit net interest margin",
      "prediction": "BETTER",
      "answer": "guide ~3.74% vs. cons 3.72% (4Q2026 exit)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 net charge-offs / average loans",
      "prediction": "UNCHANGED",
      "answer": "guide ~45 bps vs. cons 45 bps (FY2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY26 adjusted noninterest-expense growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~2.5% vs. cons 2.5% (FY2026)",
      "confidence": "HIGH"
    }
  ],
  "day1_residual_pct": 2.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 3.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "A modest GAAP EPS beat is reinforced by ~3.3% FY2026 NII growth versus ~3.1% consensus and a ~3.74% 4Q26 exit NIM versus ~3.72% consensus; those out-period revenue assumptions support upward 2H26/2027 estimate revisions despite the ~$40M pre-tax securities loss.",
  "day5_confidence": "MEDIUM"
}