The traditional physical bank branch is experiencing a growing decline in its presence. Driven by the explosion of online and mobile banking, consumers are increasingly turning to digital channels for their financial needs. This shift has resulted to a decrease in branch locations, and many institutions are merging existing branches to streamline c

Free cash flow (FCF) serves as a crucial metric for investors and business owners alike. It demonstrates the true cash generated by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can suggest a healthy and sustainable business, capable of expanding. Understanding how to assess FCF and optimally