The traditional physical bank branch is experiencing a noticeable decline in its presence. Driven by the boom of online and mobile banking, users are increasingly relying to electronic channels for their financial needs. This shift has resulted to a drop in branch locations, and many institutions are closing existing branches to streamline costs.

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