The traditional brick-and-mortar bank branch is experiencing a noticeable decline in its presence. Driven by the boom of online and mobile banking, customers are increasingly turning to digital channels for their financial needs. This shift has resulted to a decrease in branch openings, and many institutions are merging existing branches to streaml

Free cash flow (FCF) serves as a crucial metric for investors and business owners alike. It reflects the real cash produced by a company after accounting for its operating expenses and capital expenditures. A strong FCF position can suggest a healthy and sustainable business, capable of expanding. Understanding how to calculate FCF and optimally m