Free cash flow (FCF) is a vital metric for evaluating the financial health of any company. Analyzing FCF can provide invaluable insights into a business's ability to generate profit, manage debt, and return value to shareholders. Calculating FCF may seem daunting at first, but with a clear understanding of the fundamentals involved, it becomes a st

The traditional retail bank branch is experiencing a noticeable 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 resulted to a reduction in branch openings, and many institutions are merging existing branches to optimize costs.

Free cash flow (FCF) represents a crucial metric for investors and business operators alike. It illustrates the real cash produced 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 growing. Understanding how to calculate FCF and optima