The traditional brick-and-mortar bank branch is experiencing a sharp decline in its presence. Driven by the rise of online and mobile banking, customers are increasingly turning to digital channels for their financial needs. This shift has led to a decrease in branch locations, and many institutions are closing existing branches to optimize costs.

Free cash flow (FCF) represents a crucial metric for investors and business owners alike. It reflects the actual cash produced by a company after accounting for its operating expenses and capital expenditures. A strong FCF position can signal a healthy and sustainable business, capable of growing. Understanding how to assess FCF and effectively ma