The traditional physical bank branch is experiencing a growing decline in its presence. Driven by the explosion 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 closing existing branches to reduce costs.

Free cash flow (FCF) serves as a crucial metric for investors and business owners alike. It illustrates the actual cash earned 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 growing. Understanding how to calculate FCF and effectivel