{
  "report_rows": [
    {
      "kpi": "EPS (diluted)",
      "prediction": "BEAT",
      "answer": "pred ~$0.44 vs. cons $0.42",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income (TE)",
      "prediction": "BEAT",
      "answer": "pred ~$1.19B vs. cons ~$1.16B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "IB & debt placement fees",
      "prediction": "MISS",
      "answer": "pred ~$177M vs. cons ~$181M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 NII growth",
      "prediction": "BETTER",
      "answer": "guide ~+9\u201310% (nudged to top/+10%) vs. cons ~+9% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 exit NIM",
      "prediction": "UNCHANGED",
      "answer": "guide ~3.05% vs. cons ~3.03% (exit-4Q2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 avg loan growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~+2\u20134% total / +6\u20138% commercial vs. cons ~+3% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 IB fee growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~mid-single-digit off ~$780M vs. cons ~+5% (FY2026)",
      "confidence": "LOW"
    },
    {
      "kpi": "FY2026 buyback",
      "prediction": "BETTER",
      "answer": "guide ~\u2265$1.3B (floor, ~$300M+/qtr) vs. cons ~$1.3B (FY2026)",
      "confidence": "LOW"
    },
    {
      "kpi": "Provision / credit",
      "prediction": "BETTER",
      "answer": "pred provision ~$110M vs. cons ~$120M (Q2 y/y favorable vs $138M)",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": 1.2,
  "day1_confidence": "LOW",
  "day5_residual_pct": 0.2,
  "day5_path": "FADE",
  "day5_rationale": "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\u2192$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.",
  "day5_confidence": "LOW"
}