| KEY |
Report |
EPS (diluted) |
BEAT |
pred ~$0.44 vs. cons $0.42 |
MEDIUM |
| KEY |
Report |
Net interest income (TE) |
BEAT |
pred ~$1.19B vs. cons ~$1.16B |
MEDIUM |
| KEY |
Report |
IB & debt placement fees |
MISS |
pred ~$177M vs. cons ~$181M |
MEDIUM |
| KEY |
Guide |
FY2026 NII growth |
BETTER |
guide ~+9–10% (nudged to top/+10%) vs. cons ~+9% (FY2026) |
MEDIUM |
| KEY |
Guide |
FY2026 exit NIM |
UNCHANGED |
guide ~3.05% vs. cons ~3.03% (exit-4Q2026) |
MEDIUM |
| KEY |
Guide |
FY2026 avg loan growth |
UNCHANGED |
guide ~+2–4% total / +6–8% commercial vs. cons ~+3% (FY2026) |
MEDIUM |
| KEY |
Guide |
FY2026 IB fee growth |
UNCHANGED |
guide ~mid-single-digit off ~$780M vs. cons ~+5% (FY2026) |
LOW |
| KEY |
Guide |
FY2026 buyback |
BETTER |
guide ~≥$1.3B (floor, ~$300M+/qtr) vs. cons ~$1.3B (FY2026) |
LOW |
| KEY |
Guide |
Provision / credit |
BETTER |
pred provision ~$110M vs. cons ~$120M (Q2 y/y favorable vs $138M) |
LOW |
| KEY |
Return |
Day-1 residual (stock − beta × S&P 500) |
+1.2% |
— |
LOW |
| KEY |
Return |
5-day cumulative residual |
+0.2% (FADE) |
NII beat and a reaffirmed/nudged-up FY NII-NIM guide likely spark a modest day-1 pop, but a fully re-rated stock near multi-year highs (up ~24% off the March low) with a negative Zacks ESP and estimates already drifting lower ($0.44→$0.42) caps upside. IB fees guided/printing below Street and the middle-market M&A overhang give analysts reason to trim out-period fee estimates even after a headline beat, so the initial gain fades toward flat. |
LOW |