Is FCNCA's Q1 2025 earnings forecast optimistic?

First Citizens BancShares (FCNCA) is not currently forming an optimistic Q1 2025 earnings forecast. Here's why:

1. No Available Data: There are no available data or estimates for FCNCA's Q1 2025 earnings. Without this information, it's impossible to assess the optimism or pessimism of the forecast.
2. Recent Performance: FCNCA's recent performance shows strong EPS and robust loan growth. However, there are challenges in net interest margin and increased expenses. This mixed performance makes it difficult to determine the outlook for Q1 2025.
3. Regulatory Changes: The company is anticipating increased expenses related to Category 3 regulatory readiness. This could potentially impact earnings negatively, making the forecast less optimistic.
4. Market Expectations: FCNCA has beaten earnings expectations in the past, with adjusted EPS of $45.10 in Q4 2024, compared to the forecasted $39.46. This track record could suggest a conservative or realistic approach to forecasting, rather than an optimistic one.

In conclusion, due to the lack of available data and the mixed indicators from recent performance and regulatory expectations, it's not possible to conclude that FCNCA's Q1 2025 earnings forecast is optimistic.