Is GBCI's Q1 2025 forecast achievable?

**GBCI's Q1 2025 forecast is achievable**, considering the following points: 1. **Consistent Performance**: Glacier Bancorp has demonstrated a consistent track record of strong financial performance. In Q4 2024, the company reported a 10% year-over-year increase in diluted EPS and a 14% rise in net income compared to the previous year. 2. **Strategic Acquisitions**: The company has successfully completed acquisitions, including those of the Rocky Mountain branches and Wheatland Bank, and announced the acquisition of Bank of Idaho. These strategic moves are expected to enhance the company's presence in high-growth markets, contributing to its growth. 3. **Improving Net Interest Margin**: Glacier Bancorp's net interest margin improved to 2.97% in Q4 2024, up 41 basis points year-over-year. This improvement reflects effective management of interest income and deposit costs, contributing to the company's financial stability. 4. **Positive Earnings Outlook**: The company's earnings call and financial results indicate a positive outlook for Q1 2025. Although growth is expected at a slower pace, the potential for margin acceleration and the impact of strategic initiatives suggest that the forecast is achievable. 5. **Dividend History**: The company has a history of consistent dividend payments, which is a positive indicator of its financial stability and ability to generate earnings. In conclusion, based on the company's historical performance, strategic initiatives, and positive outlook, GBCI's Q1 2025 forecast appears to be achievable.