{
  "report_rows": [
    {
      "kpi": "Diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$0.48 vs. cons $0.47",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Taxable-equivalent net interest income",
      "prediction": "BEAT",
      "answer": "pred ~$1.27B vs. cons $1.25B",
      "confidence": "HIGH"
    },
    {
      "kpi": "Net interest margin",
      "prediction": "BEAT",
      "answer": "pred ~2.94% vs. cons 2.90%",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 net interest income growth",
      "prediction": "BETTER",
      "answer": "guide ~9.5% vs. cons 9.2% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 average commercial-loan growth",
      "prediction": "BETTER",
      "answer": "guide ~7.0% vs. cons 6.5% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 noninterest-expense growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~3.5% vs. cons 3.5% (FY2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY2026 common-share repurchases",
      "prediction": "UNCHANGED",
      "answer": "guide ~$1.30B vs. cons $1.30B (FY2026)",
      "confidence": "HIGH"
    }
  ],
  "day1_residual_pct": 1.8,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 0.6,
  "day5_path": "FADE",
  "day5_rationale": "Day-1 residual ~+1.8% vs. day-5 residual ~+0.6%: an NII/NIM-led beat should initially help, but largely reiterated FY2026 NII, expense, and buyback math limits out-period EPS revisions and encourages partial profit-taking.",
  "day5_confidence": "MEDIUM"
}