{
  "report_rows": [
    {
      "kpi": "Adjusted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$0.390 vs. cons $0.386",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "BEAT",
      "answer": "pred ~$2.120B vs. cons $2.093B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total noninterest income",
      "prediction": "BEAT",
      "answer": "pred ~$745M vs. cons $734M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 NII/NIM trajectory",
      "prediction": "UNKNOWN",
      "answer": "guide ~low-end / high-3.20s exit-NIM; consensus comparison UNVERIFIED",
      "confidence": "LOW"
    },
    {
      "kpi": "FY26 fee-revenue growth",
      "prediction": "UNKNOWN",
      "answer": "guide ~31%-33%; dollar-consensus comparison unavailable",
      "confidence": "LOW"
    },
    {
      "kpi": "FY26 NCOs",
      "prediction": "UNCHANGED",
      "answer": "guide ~25-35 bps vs. cons 27.3 bps",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": -2.0,
  "day1_confidence": "LOW",
  "day5_residual_pct": -3.0,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 maintained forward framework drives estimate pressure",
  "day5_confidence": "LOW"
}