{
  "report_rows": [
    {
      "kpi": "Adjusted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$0.40 vs. cons $0.39",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income (FTE)",
      "prediction": "BEAT",
      "answer": "pred ~$2.11B vs. cons $2.08B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Adjusted noninterest income",
      "prediction": "BEAT",
      "answer": "pred ~$0.77B vs. cons $0.76B",
      "confidence": "LOW"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Net interest income growth",
      "prediction": "LOWER",
      "answer": "guide ~10.0% vs. cons 10.2% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Fee revenue growth",
      "prediction": "BETTER",
      "answer": "guide ~32.0% vs. cons 31.5% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Adjusted expense growth",
      "prediction": "LOWER",
      "answer": "guide ~32.7% vs. cons 32.8% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net charge-off ratio",
      "prediction": "UNCHANGED",
      "answer": "guide ~30 bp vs. cons 30 bp (FY2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "Adjusted EPS",
      "prediction": "UNCHANGED",
      "answer": "guide ~$1.915 vs. cons $1.91 (FY2027)",
      "confidence": "HIGH"
    }
  ],
  "day1_residual_pct": 1.8,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 0.8,
  "day5_path": "FADE",
  "day5_rationale": "A clean conversion and modest reported beats support the initial reaction, but an FY2026 NII outlook of ~10.0% versus consensus 10.2% limits forward-estimate revisions; unchanged FY2027 EPS guidance of ~$1.915 versus consensus $1.91 leaves little out-period upside, causing part of the day-1 gain to fade.",
  "day5_confidence": "LOW"
}