{
  "report_rows": [
    {
      "kpi": "Adjusted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$0.39 vs. cons $0.38",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "IN-LINE",
      "answer": "pred ~$1.94B vs. cons $1.93B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Noninterest income",
      "prediction": "IN-LINE",
      "answer": "pred ~$0.70B vs. cons $0.70B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "2026 exit net interest margin",
      "prediction": "UNCHANGED",
      "answer": "guide ~3.28% vs. cons 3.28% (4Q26 exit)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "2026 fee-income growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~32% vs. cons 32% (FY26)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Combined Veritex and Cadence cost synergies",
      "prediction": "UNCHANGED",
      "answer": "guide ~$435M vs. cons $435M (4Q26 run-rate)",
      "confidence": "HIGH"
    },
    {
      "kpi": "2027 adjusted EPS target",
      "prediction": "UNCHANGED",
      "answer": "guide ~$1.92 vs. cons $1.92 (FY27)",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 3,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 4.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "A modest ~$0.01 EPS beat versus ~$0.38 consensus, paired with intact ~$435M 4Q26 synergy delivery and a reaffirmed ~$1.92 FY27 EPS target, should lift out-period estimates rather than leave the beat as a one-quarter fee or accounting event.",
  "day5_confidence": "MEDIUM"
}