First Commonwealth Financial Corporation
First Commonwealth Financial Corporation
FCF
Valuace
53
Růst
38
Zdraví
80
Cena
$ 15.79
Dnes
--0.13 (-0.74%)
Souhrn
Výkazy
Ukazatele
Profil
Držitelé
Návštěvnost webu
Konkurence
Zprávy společnosti
Kapitalizace
1.6B
Obrat
1B
Zisk
0B
Aktiva
12B
Dluh
0B
ROE
0%
ROA
0%
PE
11
PS
2
Cena 1R
14-18
⌀ Cena
16.36
Dividenda
0.0(0.0%)
Čtvrtletní 10-Q
10-Q
Celoroční 10-K
8-K
Nadcházející oznámení zisků
28-04-2026
Poslední dividenda
06-02-2026

Profil

Finanční holdingová společnost First Commonwealth Financial Corporation poskytuje různé služby spotřebitelského a komerčního bankovnictví ve Spojených státech. Mezi její služby pro spotřebitele patří osobní šekové účty, kontrolní účty pro výnosy z úroků, spořicí a zdravotní spořicí účty, pojištěné účty peněžního trhu, debetní karty, investiční certifikáty, vkladové certifikáty s pevnou a proměnlivou sazbou, hypoteční úvěry, zajištěné a nezajištěné splátkové úvěry, stavební a realitní úvěry, služby bezpečných vkladů, kreditní karty, úvěrové linky s ochranou proti přečerpání, účty IRA a služby bankomatů, jakož i internetové, mobilní a telefonní bankovnictví. Služby komerčního bankovnictví společnosti zahrnují komerční půjčky, obchodní šeky, služby online správy účtů, mzdové přímé vklady, komerční služby řízení hotovosti a repo smlouvy, jakož i služby ACH origination. Nabízí také různé služby v oblasti správy důvěry a aktiv, pojištění automobilů, nemovitostí a podniků, jakož i dlouhodobé životní pojištění, a dále anuity, podílové fondy a makléřské služby pro akcie a dluhopisy prostřednictvím makléřů-obchodníků a pojišťovacích makléřů. K 31. prosinci 2021 společnost provozovala 118 komunitních bankovních úřadů v západní a střední Pensylvánii, stejně jako v severovýchodní, centrální a jihozápadní Ohio; firemní bankovní centra v Pittsburghu, Pensylvánii, stejně jako Columbus, Canton a Cleveland, Ohio; a hypoteční bankovní pobočky ve Wexfordu, Pennsylvánii a Hudsonu, Westlake, stejně jako Lewis Center, Ohio. Provozuje také 136 automatizovaných bankomatů. První Commonwealth Financial Corporation byla založena v roce 1934 a sídlí v Indianě v Pensylvánii.
Sektor
Financial Services
Odvětví
Banks - Regional
Počet zaměstnanců
1538
Založení
1992-06-10
Adresa
601 Philadelphia Street
CEO
Thomas Michael Price

Zahraniční články

Výsledovka

Rozvaha

Peněžní toky

Výsledovka

Výsledovka
Rozvaha
Peněžní toky
V miliónech (USD)
Revenue TTM 2025202420232022202120202019201820172016201520142013201220112010
Total Revenues729.4729.4699.7467.3410.9385.3362.7355.3340.9309.1263.6249.8244.5244.8254.4247.5265.2
Cost of Revenues236.3236.3250.7-159.130.726.724.825.823.323.317.819.217.223.124.321.929.7
Gross Profit493.1493.1449.0626.4380.2358.6338.0329.6317.5285.8245.8230.6227.4221.8230.0225.7235.5
Revenue 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Total Revenues188.6187.6183.6169.6175.3179.0175.8169.5168.5122.5
Cost of Revenues50.762.965.357.361.468.463.557.40.00.0
Gross Profit137.9124.7118.3112.3113.9110.6112.3112.1168.5122.5
Operating Income TTM 2025202420232022202120202019201820172016201520142013201220112010
R&D Expenses0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Selling General & Admin Expenses0.00.00.0206.0133.9139.4141.9130.6124.3121.7103.3104.9104.5100.2103.9109.2104.1
Depreciation & Amortization6.36.35.718.23.23.53.73.33.23.10.50.60.61.11.59.010.7
Total Operating Expenses294.8294.8270.7206.05.0-212.5-272.5-224.5-168.13.82.62.63.03.74.35.34.1
Operating Income198.4198.4178.2261.2185.3172.890.2130.8172.82.11.42.16.81.14.4204.4234.5
Operating Income TTM 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
R&D Expenses0.00.00.00.00.00.00.00.00.00.0
Selling General & Admin Expenses0.00.00.00.00.00.00.00.038.939.2
Depreciation & Amortization1.51.90.82.22.11.40.71.51.21.3
Total Operating Expenses74.572.876.271.369.370.165.765.619.3-73.2
Operating Income63.451.842.141.044.640.546.646.561.149.3
Net Income TTM 2025202420232022202120202019201820172016201520142013201220112010
Interest Income630.7630.7598.4527.0330.0293.8301.2325.3292.3250.6217.6204.1202.2206.4219.1231.5268.3
Interest Expense206.6206.6221.6144.317.715.332.955.440.021.818.615.618.521.730.141.761.6
Other Expense-7.0-7.00.0-63.7-25.1170.51.51.7-40.0101.783.868.955.355.652.2-189.5-211.3
IBT191.4191.4178.2197.6160.2172.891.7132.6134.7108.089.174.465.560.861.014.923.2
Income Tax Expense39.139.135.640.532.034.616.825.525.348.625.620.817.715.314.7-0.40.2
Net Income152.3152.3142.6157.1128.2138.373.4105.3107.555.259.650.144.541.542.015.323.0
Net Income TTM 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Interest Income163.9161.9158.2146.6149.4153.9150.2144.9143.4139.9
Interest Expense50.751.652.751.654.957.855.753.210.242.1
Other Expense-7.00.00.00.00.00.00.00.0-13.2-2.1
IBT56.451.842.141.044.640.546.646.556.749.3
Income Tax Expense11.610.58.78.38.88.49.58.911.910.1
Net Income44.941.333.432.735.832.137.137.544.839.2
Per Share Data TTM 2025202420232022202120202019201820172016201520142013201220112010
EPS$0.00$0.00$0.00$1.55$1.37$1.45$0.75$1.07$1.08$0.57$0.67$0.56$0.48$0.44$0.42$0.15$0.25
EPS Diluted$0.00$0.00$0.00$1.54$1.37$1.44$0.75$1.07$1.08$0.57$0.67$0.56$0.48$0.43$0.40$0.15$0.25
Shares Outstanding102.8102.8101.9101.693.695.697.598.399.597.589.089.093.195.299.6104.793.2
Diluted Shares Outstanding103.6103.6102.2101.893.995.897.898.699.597.589.089.493.197.0103.9104.793.2
Per Share Data TTM 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
EPS$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.44$0.38
EPS Diluted$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.44$0.38
Shares Outstanding102.8104.8103.9102.2102.4102.1102.0102.0102.1102.2
Diluted Shares Outstanding103.6104.8103.9101.9102.0102.4102.3102.2102.3102.4
Current Assets TTM 202420232022202120202019201820172016201520142013201220112010
Cash And Equivalents188.3133.4147.0154.2395.4356.6121.998.9107.3115.769.574.577.4103.078.569.9
Short Term Investments1,071.21,147.60.0789.11,054.2843.5919.1941.4761.2815.1949.51,309.81,318.41,171.31,142.8967.7
Total Cash & ST Investments188.31,281.0147.0916.91,449.61,200.01,040.91,008.2838.7894.3956.01,384.41,395.81,274.378.569.9
Accounts Receivable0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Inventory0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Other Current Assets188.80.0147.40.00.00.00.05,117.14,934.94,336.14,047.93,393.53,236.03,290.34,349.54,494.1
Total Current Assets188.81,281.0294.4916.91,449.61,200.01,040.96,125.35,773.55,230.45,003.94,777.84,631.84,564.64,428.04,564.0
Current Assets 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Cash And Equivalents161.4160.2141.4133.4582.3188.3310.4147.0337.1448.9
Short Term Investments1,001.81,049.41,091.41,147.61,140.81,071.21,023.71,021.0866.6784.5
Total Cash & ST Investments1,163.21,209.61,232.81,281.01,723.11,259.51,334.1-125.41,203.71,233.4
Accounts Receivable0.00.00.00.00.00.00.00.00.00.0
Inventory0.00.00.00.00.00.00.00.00.00.0
Other Current Assets0.00.00.00.00.00.00.0147.40.00.0
Total Current Assets1,163.21,209.61,232.81,281.01,723.11,259.51,334.1147.41,203.71,233.4
Long-Term Assets TTM 202420232022202120202019201820172016201520142013201220112010
Net Property, Plant & Equipment119.0116.1121.0115.1120.8125.5137.380.581.367.563.565.067.969.066.867.0
Goodwill363.7363.7363.7303.3303.3303.3303.3274.2255.4186.5164.5161.4160.0160.0160.0160.0
Intangible Assets21.119.622.89.211.213.516.413.015.012.01.21.71.32.43.85.4
Long-Term Investments231.69,353.4162.11,250.21,595.51,205.31,256.21,335.21,183.31,187.61,333.81,354.41,353.81,199.51,182.61,016.6
Other Long-Term Assets379.3451.010,561.8-1,677.9-2,030.8-1,647.6-1,713.10.00.00.00.00.00.00.00.00.0
Total Long-Term Assets11,438.110,303.911,312.51,677.92,030.81,647.61,713.11,702.91,535.01,453.71,563.01,582.41,583.01,430.81,413.11,248.9
Total Assets11,626.911,584.911,459.59,805.79,545.19,068.18,308.87,828.37,308.56,684.06,566.96,360.36,214.95,995.45,841.15,812.8
Long-Term Assets 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Net Property, Plant & Equipment116.5117.2114.5116.1116.8119.0118.7121.0123.1124.2
Goodwill378.2378.7363.7363.7363.7363.7363.7363.7363.7363.7
Intangible Assets22.623.918.819.620.521.122.022.823.624.7
Long-Term Investments10,199.810,082.89,628.89,353.49,341.29,405.89,402.8162.11,296.11,224.4
Other Long-Term Assets430.0425.0427.7451.0418.0457.7453.110,579.7-1,683.5-1,612.9
Total Long-Term Assets11,147.111,027.610,553.610,303.910,260.110,367.410,360.311,330.41,683.51,612.9
Total Assets12,310.412,237.111,786.411,584.911,983.211,626.911,694.411,477.811,422.011,318.6
Current Liabilities TTM 202420232022202120202019201820172016201520142013201220112010
Accounts Payable0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Short-Term Debt543.580.1563.0372.7138.3117.4201.9721.8707.5867.91,510.81,105.9626.6356.2312.8187.9
Other Current Liabilities2,924.79,678.0-563.0-87.7-138.3-117.4-201.9-156.8-140.0-119.9-110.8-160.9-148.5-178.10.00.0
Current Liabilities3,468.29,758.24,632.0285.0138.3117.4201.9565.0567.5748.01,400.0945.0478.1178.1312.8187.9
Current Liabilities 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Accounts Payable0.00.00.00.00.00.00.00.00.00.0
Short-Term Debt149.6225.977.580.1538.8537.6546.5604.4544.1542.8
Other Current Liabilities10,231.310,104.69,861.79,678.09,745.69,408.99,446.44,069.0-544.1-542.8
Current Liabilities10,380.910,330.59,939.29,758.210,284.49,946.59,992.94,673.4544.1542.8
Long-Term Liabilities TTM 202420232022202120202019201820172016201520142013201220112010
Long-Term Debt132.0262.2186.0181.2182.3233.3234.2185.187.980.981.5161.6216.6280.2207.4204.5
Capital Leases45.84.34.95.45.96.46.87.27.60.00.00.00.00.00.00.0
Def. Tax Liability0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Total Liabilities10,264.410,179.810,145.28,753.68,435.77,999.57,253.16,852.96,420.45,934.15,847.35,644.15,503.25,249.45,082.65,063.1
Long-Term Liabilities 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Long-Term Debt262.1262.4262.7262.2136.3136.6186.5229.5187.0187.3
Capital Leases3.94.04.24.34.54.64.848.45.05.2
Def. Tax Liability0.00.00.00.00.00.00.018.30.00.0
Total Liabilities10,768.510,719.410,339.310,179.810,573.610,264.410,361.710,163.510,181.510,086.2
Total Common Equity TTM 202420232022202120202019201820172016201520142013201220112010
Common Stock123.6123.6123.6113.9113.9113.9113.9113.9113.9105.6105.6105.6105.6105.6105.6105.5
Retained Earnings929.7971.1881.1774.9691.3596.6577.3511.4437.4412.8378.1353.0334.7315.6294.1291.5
Comprehensive Income-113.4-102.5-111.8-137.7-8.817.25.6-11.3-6.2-7.0-2.4-4.5-20.61.32.0-2.5
Total Common Equity1,362.51,405.21,314.31,052.11,109.41,068.61,055.7975.4888.1749.9719.5716.1711.7746.0758.5749.8
Total Common Equity 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Common Stock126.6126.6123.6123.6123.6123.6123.6123.6123.6123.6
Retained Earnings1,037.01,009.8990.5971.1948.5929.7905.9881.1849.0822.6
Comprehensive Income-69.2-76.2-81.2-102.5-83.1-113.4-119.1-111.8-154.1-138.6
Total Common Equity1,541.81,517.81,447.11,405.21,409.61,362.51,332.71,314.31,240.51,232.4
Other TTM 202420232022202120202019201820172016201520142013201220112010
Total Debt721.2343.1749.8553.9320.6350.6436.0906.9795.4948.91,592.31,267.5843.2636.4520.2392.4
Book Value1,362.51,405.21,314.31,052.11,109.41,068.61,055.7975.4888.1749.9719.5716.1711.7746.0758.5749.8
Other 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Total Debt0.00.00.00.00.00.00.00.00.00.0
Book Value1,541.81,517.81,447.11,405.21,409.61,362.51,332.71,314.31,240.51,232.4
Cash Flow From Operating Activities TTM 2025202420232022202120202019201820172016201520142013201220112010
Net Income158.7152.3142.6157.1128.2138.373.4105.3107.555.259.650.144.541.542.015.323.0
Depreciation & Amortization4.86.65.74.110.611.411.710.48.09.07.17.613.711.17.99.010.7
Stock-Based Compensation3.80.00.00.00.0-18.944.17.83.1-1.317.717.016.320.223.80.00.0
Change Working Capital1.5-0.93.7-8.4-10.216.1-12.51.7-4.10.4-1.4-0.52.08.37.90.417.3
Change In Accounts Receivable-8.80.13.3-8.8-6.85.9-10.70.4-2.6-1.3-0.60.00.50.92.70.00.0
Change In Accounts Payable13.3-1.01.25.01.2-0.4-0.9-0.30.40.4-0.3-0.1-0.4-1.2-1.3-1.4-1.0
Change In Inventories0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Other Non-cash Items-14.026.4-25.93.224.916.7-2.8-19.817.34.20.5-14.20.8-8.1-5.360.664.6
Cash from Operations153.80.00.0162.8151.4165.0105.7107.6135.388.389.372.882.185.778.784.1110.9
Cash Flow From Operating Activities 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Net Income44.941.333.432.735.832.137.137.544.839.2
Depreciation & Amortization1.71.90.82.22.11.40.71.51.20.9
Stock-Based Compensation0.00.00.00.00.00.00.00.03.80.0
Change Working Capital4.90.3-6.15.5-18.211.60.010.31.7-2.9
Change In Accounts Receivable-1.2-0.80.8-1.00.52.80.7-0.7-3.7-5.1
Change In Accounts Payable-1.00.5-1.40.2-16.47.25.35.11.11.9
Change In Inventories0.00.00.00.00.00.00.00.00.00.0
Other Non-cash Items-2.15.73.513.8-7.89.9-15.5-12.5-2.4-20.6
Cash from Operations0.00.00.00.00.00.00.00.046.620.4
Cash Flow From Investing Activities TTM 2025202420232022202120202019201820172016201520142013201220112010
Capital Expenditure-17.2-16.1-15.5-22.0-11.2-10.6-7.6-17.4-9.6-10.4-7.1-4.9-11.0-9.6-10.2-8.3-4.9
Acquisitions-109.810.90.018.80.0-85.3-581.4332.50.73.2479.5-3.5-3.0-122.7-162.361.9335.2
Investments-580.5-354.6-492.6-338.6-0.2-1,038.6-496.9-138.9-352.6-253.3-174.1-405.0-339.6-539.9-605.4-723.8-387.1
Sales of Investment242.9434.5376.6173.9225.2555.1591.2244.8204.3343.5278.0470.6375.8357.3574.8557.2590.7
Other Investing Activities1.50.00.0-418.4-802.614.011.5-298.1-190.5-135.8-82.6-199.6-186.17.631.733.18.8
Cash from Investing-563.20.00.0-586.3-588.8-565.3-483.1122.9-347.7-52.8493.8-142.4-164.1-307.3-171.4-80.0542.6
Cash Flow From Investing Activities 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Capital Expenditure-2.2-3.5-5.4-5.0-3.8-3.4-3.3-5.0-3.0-5.8
Acquisitions6.20.00.00.00.00.00.00.04.3-114.2
Investments-115.20.0-25.1-214.3-126.3-99.7-162.9-103.8-182.6-131.2
Sales of Investment125.678.0114.1116.8117.489.8124.245.233.140.4
Other Investing Activities0.00.00.00.00.00.00.00.0-1.9-1.2
Cash from Investing0.00.00.00.00.00.00.00.0-227.8-212.0
Cash Flow From Financing Activities TTM 2025202420232022202120202019201820172016201520142013201220112010
Debt Repaid-164.70.00.051.1-1.2-51.1-1.1-1.0-24.0-0.8-0.6-80.1-59.9-64.7-25.5-24.6-796.0
Debt Issued155.8343.1-406.6247.0234.521.1-84.3-469.8135.5-152.6-642.9404.9484.2271.4141.7152.41,188.4
Issuance of Common Stock42.80.00.00.20.20.20.20.20.20.20.20.20.20.21.00.288.2
Repurchase of Common Stock-6.1-35.8-12.6-15.0-15.6-31.3-20.9-6.3-26.2-1.5-0.9-25.4-31.0-33.4-36.20.00.0
Dividends Paid-51.60.00.0-50.8-44.6-43.6-43.0-39.4-34.8-30.5-24.9-25.1-26.2-22.3-18.8-12.6-5.3
Other Financing Activities300.60.00.0430.9257.4564.9676.9-161.2288.9-11.3-510.7195.0195.8316.3196.641.440.0
Cash from Financing148.80.00.0416.3196.2439.1612.2-207.7204.1-43.9-536.864.679.0196.0117.24.5-673.2
Cash Flow From Financing Activities 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Debt Repaid0.00.00.00.00.00.00.00.053.50.9
Debt Issued411.6-76.6148.0-2.9-332.00.9-58.8-100.9156.31.9
Issuance of Common Stock0.00.00.00.00.00.00.00.00.00.0
Repurchase of Common Stock-22.8-10.6-0.5-1.8-8.1-2.5-0.3-1.8-0.9-3.2
Dividends Paid0.00.00.00.00.00.00.00.0-12.8-12.8
Other Financing Activities0.00.00.00.00.00.00.00.0-48.694.9
Cash from Financing0.00.00.00.00.00.00.00.0-8.879.8
Cash position TTM 2025202420232022202120202019201820172016201520142013201220112010
Net Change in Cash-260.647.0-13.6-7.3-241.138.8234.722.9-8.3-8.446.2-5.1-2.9-25.524.58.6-19.7
Closing Cash Balance188.3180.4133.4147.0154.2395.4356.6121.998.9107.3115.769.574.577.4103.078.569.9
Cash position 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Net Change in Cash0.01.218.87.9-448.9394.0-122.1163.4-190.1-111.8
Closing Cash Balance0.0161.4160.2141.4133.4582.3188.3310.4147.0337.1
Free Cash Flow TTM 2025202420232022202120202019201820172016201520142013201220112010
Free Cash Flow136.6171.4113.9140.7140.2154.498.190.3125.777.982.267.971.276.168.575.8106.0
Real Free Cash Flow132.8171.4113.9140.7140.2173.354.082.5122.679.364.550.954.955.944.875.8106.0
Free Cash Flow 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Free Cash Flow36.359.925.050.99.750.219.334.643.614.6
Real Free Cash Flow36.359.925.050.99.750.219.334.639.814.6
Nacenění
Finance
Efektivita
Marže
Dividenda
Ostatní

Nacenění

Ukazatel Aktuální Historické Konkurence
P/E11.533.910.8
P/S2.43.42.2
P/B1.11.11.1
P/FCF10.113.27.7
Market cap$1.6$1.4
P/E (Price to Earnings Ratio) – Poměr ceny akcie k zisku za posledních 12 měsíců. Říká, kolik korun investor zaplatí za 1 korunu zisku. Např.: P/E = 15 znamená, že pokud akcie stojí 15 Kč, firma vydělala 1 Kč za poslední rok.

Finance

Ukazatel Aktuální Historické Srovnání
Debt to Assets0 %9.6 %0 %
Debt to Income270.3 %3753.3 %0 %
Debt to Free cash flow239.2 %17.5 %0 %
Interest expense percentage104.2 %503.9 %396.7 %
Current ratio0.1 17 0

Efektivita

Ukazatel Aktuální Historické Srovnání
ROE9.9 %7.4 %0 %
ROA1.2 %0.9 %0 %
CapEx to Revenue0 %3.1 %0 %
RaD to Revenue0 %0 %0 %
ROEM491,206.1 187174

Marže

Ukazatel Aktuální Historické Srovnání
Gross margin67.6 %93.9 %71 %
Operating margin27.2 %26.4 %26.2 %
Net margin20.9 %21 %22 %

Dividenda

Ukazatel Aktuální Historické Srovnání
Dividend yield0 %2.8 %0 %
Dividend payout percentage0 %40.6 %0 %
Dividend yield (Dividendový výnos) ukazuje aktuální procentuální výnos z dividend vůči ceně akcie.

Ostatní

Ukazatel Aktuální Historické
Shares outstanding103.6 mil 97.4 mil
Employee count1.5 tis 1.4 tis

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