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

Free cash flow (FCF) serves as a crucial metric for investors and business operators alike. It illustrates the true cash earned 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 investing. Understanding how to calculate FCF and optimal