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 virtual channels for their financial needs. This shift has led to a reduction in branch locations, and many institutions are merging existing branches to optimize c

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