The traditional physical bank branch is experiencing a growing decline in its presence. Driven by the rise of online and mobile banking, consumers are increasingly preferring to electronic channels for their financial needs. This shift has led to a drop in branch openings, and many institutions are closing existing branches to reduce costs. Howeve

Free cash flow (FCF) represents a crucial metric for investors and business operators alike. It reflects the true cash generated by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can signal a healthy and sustainable business, capable of investing. Understanding how to assess FCF and effectively