{
  "report_rows": [
    {
      "kpi": "Diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$1.10 vs. cons $1.08",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total revenue",
      "prediction": "IN-LINE",
      "answer": "pred ~$5.26B vs. cons $5.24B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Taxable-equivalent net interest income",
      "prediction": "IN-LINE",
      "answer": "pred ~$3.71B vs. cons $3.69B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 net interest income growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~2.5% vs. cons 2.5% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 revenue growth",
      "prediction": "LOWER",
      "answer": "guide ~4.0% vs. cons 4.1% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 net charge-off ratio",
      "prediction": "BETTER",
      "answer": "guide ~55 bps vs. cons 57 bps (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 common-stock repurchases",
      "prediction": "UNCHANGED",
      "answer": "guide ~$5.0B vs. cons $5.0B (FY2026)",
      "confidence": "HIGH"
    }
  ],
  "day1_residual_pct": 0.6,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": -0.4,
  "day5_path": "FADE",
  "day5_rationale": "A modest EPS beat of ~$1.10 versus $1.08 is likely supported partly by buybacks and the favorable tax rate, while revenue of ~$5.26B versus $5.24B and NII of ~$3.71B versus $3.69B leave FY2026 revenue guidance near ~4.0% versus ~4.1% consensus. That small out-period revenue shortfall should limit estimate upgrades and fade an initial positive reaction.",
  "day5_confidence": "MEDIUM"
}