{
  "report_rows": [
    {
      "kpi": "Adjusted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$1.11 vs. cons $1.08",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total revenue",
      "prediction": "BEAT",
      "answer": "pred ~$5.31B vs. cons $5.24B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Taxable-equivalent net interest income",
      "prediction": "IN-LINE",
      "answer": "pred ~$3.69B vs. cons $3.68B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Total revenue growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~4.0% vs. cons 4.0% (FY2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "Net interest income growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~2.5% vs. cons 2.5% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Noninterest income growth",
      "prediction": "BETTER",
      "answer": "guide ~9.5% vs. cons 9.0% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Average loan growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~3.5% vs. cons 3.5% (FY2026)",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 1.3,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 0.4,
  "day5_path": "FADE",
  "day5_rationale": "A fee-driven revenue and EPS beat supports the initial reaction, but unchanged FY2026 revenue and NII guidance leaves out-period estimates only modestly higher; the elevated post-CEO-announcement setup should cause most of the day-1 gain to fade.",
  "day5_confidence": "MEDIUM"
}