{
 "as_of": "2026-11-11",
 "cmr": "fi-cm-kg/XHEL/FI4000081427",
 "fence": "The page is the record's research on the issuer — no analyst, no rating, no view.",
 "markdown": "The page is the record's research on the issuer — no analyst, no rating, no view.\n\n# United Bankers Oyj (Nasdaq Helsinki: FI4000081427) — research page\n\nAs of 2026-11-11 · fi-cm-kg · record version 1\n\n## Identity and listing\n\nUnited Bankers Oyj is listed on Nasdaq Helsinki under the ticker FI4000081427, with ISIN FI4000081427 and LEI 743700J2WO3J6XGFPG77. Its security type, segment, sector and jurisdiction are not on the record. Its listing status is listed, not halted.\n\n## The disclosure read\n\nThe record holds 91 filings in the twelve months to 2026-11-11, on 73 filing days. The median gap between filing days is 4.0 days. The latest filing is 2 days before the record date, on 2026-11-09, a Changes in company's own shares filing. Nasdaq Helsinki has 151 issuers with a median cadence gap of 7 days, a median of 50 filings and a median latency of 6.5 days. The sector median is not on the record.\n\n## Auditor\n\nThe auditor and its location are not on the record. The market's record does not carry auditor changes.\n\n## Events and halts\n\nThe record carries no listing, delisting, name change, domicile change or segment move, because no lifecycle type map is held for this register. The halt flag is listed, not halted.\n\n## Orderability\n\nThe outcome is not determinable under acm-68000/fi/mifid-ii-product-governance/r1, because the chapter's orderability section carries no client categories. The chapter is as of 2026-11-04.\n\n## Coverage\n\nNo research houses were found on the investor-relations pages read.\n\n## Open research\n\nNo openly published research notes were found on the record.\n\n## Licensed\n\nLicensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.\n\n## As-of depth\n\nThe market's vintage is not sealed, so no sealed years hold the issuer and no earliest sealed date is available. The live record start date is not on the record.\n\n## Sources\n\n5 source pages are named on this page; every value above carries its own source page and read date in the numbers.\n\n- https://firds.esma.europa.eu/firds/ (identity.exchange)\n- https://mcp.fi-cm-kg.ai/events/XHEL/FI4000081427 (the disclosure lines)\n- https://api.news.eu.nasdaq.com/news/query.action?globalGroup=exchangeNotice&globalName=exchangeNewsFilterHEX|FirstNorthInformationHEX (the halt flag)\n- https://fi.eu-cm-kg.ai/book/aio.json (the orderability chapter)\n- https://mcp.fi-cm-kg.ai/record/XHEL/FI4000081427 (the record)\n",
 "market": "FI",
 "node": "fi-cm-kg",
 "numbers": {
  "as_of_depth": {
   "issuer_years_sealed": [],
   "live_record_began": null,
   "node_history_from": null,
   "node_years_sealed": [],
   "note": "the FI vintage is not sealed; the record is the live record as of 2026-11-11",
   "record_version": 1,
   "sealed": false
  },
  "auditor": {
   "auditor": {
    "market": "FI",
    "state": "not_on_record"
   },
   "auditor_firm_id": {
    "market": "FI",
    "state": "not_on_record"
   },
   "auditor_location": {
    "market": "FI",
    "state": "not_on_record"
   },
   "changes": {
    "market": "FI",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   }
  },
  "cmr": "fi-cm-kg/XHEL/FI4000081427",
  "coverage": {
   "count": 0,
   "houses": [],
   "pages_checked": [],
   "read_by": "Perplexity sonar (search) · page read by this rail",
   "read_date": "2026-11-12",
   "since": null,
   "state": "none_found"
  },
  "disclosure": {
   "against": {
    "exchange": {
     "issuers": 151,
     "median_cadence_gap_days": 7,
     "median_filings": 50,
     "median_latency_days": 6.5,
     "name": "Nasdaq Helsinki"
    },
    "sector": {
     "market": "FI",
     "state": "not_on_record"
    }
   },
   "by_type": {
    "Annual Financial Report": 1,
    "Changes in company's own shares": 47,
    "Decisions of general meeting": 1,
    "Financial Calendar": 1,
    "Financial Statement Release": 1,
    "Half Year financial report": 1,
    "Inside information": 2,
    "Investor News": 8,
    "Major shareholder announcements": 3,
    "Managers' Transactions": 16,
    "Notice to general meeting": 1,
    "Other information disclosed according to the rules of the Exchange": 7,
    "Total number of voting rights and capital": 2
   },
   "cadence_median_gap_days": 4,
   "filing_days": 73,
   "filings": 91,
   "latency_days": 2,
   "latest": [
    {
     "category": "Changes in company's own shares",
     "date": "2026-11-09",
     "source": "https://view.news.eu.nasdaq.com/view?id=bd8a7c7c92fdeeb6fb80c79b71591fb65&lang=en&src=listed",
     "title": "UNITED BANKERS PLC: ACQUISITION OF OWN SHARES on week 45",
     "type": "Changes in company's own shares"
    },
    {
     "category": "Changes in company's own shares",
     "date": "2026-11-02",
     "source": "https://view.news.eu.nasdaq.com/view?id=b755e9789411401344a92eb7266d65a03&lang=en&src=listed",
     "title": "UNITED BANKERS PLC: ACQUISITION OF OWN SHARES on week 44",
     "type": "Changes in company's own shares"
    },
    {
     "category": "Managers' Transactions",
     "date": "2026-10-29",
     "source": "https://view.news.eu.nasdaq.com/view?id=b0ceb1f3b343c44bf274dab8a89ee2733&lang=en&src=listed",
     "title": "United Bankers Plc: Notification of Manager's Transactions - Häggblom & Partners Ltd. Oy",
     "type": "Managers' Transactions"
    },
    {
     "category": "Changes in company's own shares",
     "date": "2026-10-26",
     "source": "https://view.news.eu.nasdaq.com/view?id=be2089e6ba6772683f59bd933839be197&lang=en&src=listed",
     "title": "UNITED BANKERS PLC: ACQUISITION OF OWN SHARES on week 43",
     "type": "Changes in company's own shares"
    },
    {
     "category": "Financial Calendar",
     "date": "2026-10-26",
     "source": "https://view.news.eu.nasdaq.com/view?id=bb33d8cece59680dd4acbfe7d26022ffe&lang=en&src=listed",
     "title": "United Bankers Plc's financial calendar and Annual General Meeting in 2027",
     "type": "Financial Calendar"
    }
   ],
   "latest_filing_date": "2026-11-09",
   "read": "the node's event lines (list_events_since), as get_filings serves them",
   "source": "https://mcp.fi-cm-kg.ai/events/XHEL/FI4000081427",
   "window": {
    "from": "2025-11-11",
    "to": "2026-11-11"
   }
  },
  "identity": {
   "exchange": {
    "read_by": "eu-sources/fi/roster.py (FIRDS https://registers.esma.europa.eu/solr/esma_registers_firds_files/select)",
    "read_date": "2026-11-11",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)",
    "state": "sourced",
    "value": "Nasdaq Helsinki"
   },
   "isin": {
    "read_by": "eu-sources/fi/roster.py (FIRDS https://registers.esma.europa.eu/solr/esma_registers_firds_files/select)",
    "read_date": "2026-11-11",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)",
    "state": "sourced",
    "value": "FI4000081427"
   },
   "jurisdiction": {
    "market": "FI",
    "state": "not_on_record"
   },
   "lei": {
    "read_by": "eu-sources/fi/roster.py (FIRDS https://registers.esma.europa.eu/solr/esma_registers_firds_files/select)",
    "read_date": "2026-11-11",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)",
    "state": "filled",
    "value": "743700J2WO3J6XGFPG77"
   },
   "name": {
    "read_by": "eu-sources/fi/roster.py (FIRDS https://registers.esma.europa.eu/solr/esma_registers_firds_files/select)",
    "read_date": "2026-11-11",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)",
    "state": "sourced",
    "value": "United Bankers Oyj"
   },
   "sector": {
    "market": "FI",
    "state": "not_on_record"
   },
   "security_type": {
    "market": "FI",
    "state": "not_on_record"
   },
   "segment": {
    "market": "FI",
    "state": "not_on_record"
   },
   "ticker": {
    "read_by": "eu-sources/fi/roster.py (FIRDS https://registers.esma.europa.eu/solr/esma_registers_firds_files/select)",
    "read_date": "2026-11-11",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)",
    "state": "sourced",
    "value": "FI4000081427"
   },
   "website": {
    "market": "FI",
    "state": "not_on_record"
   }
  },
  "licensed": {
   "columns": [
    "licensor",
    "entitlement",
    "title",
    "date",
    "source"
   ],
   "rows": [],
   "rule": "A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded."
  },
  "lifecycle": {
   "delisting": {
    "market": "FI",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "domicile_change": {
    "market": "FI",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "listing": {
    "market": "FI",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "name_change": {
    "market": "FI",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "segment_move": {
    "market": "FI",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   }
  },
  "market": "FI",
  "node": "fi-cm-kg",
  "numbers_hash": "sha256:9c1134e1e270d03232f1db385f12853a45ce4bf31ac6dba6000330eafcfe360a",
  "open_research": {
   "read_date": "2026-11-12",
   "rows": [],
   "state": "none_found"
  },
  "orderability": {
   "chapter_as_of": "2026-11-04",
   "client_categories": [],
   "determinable": false,
   "read": {
    "chapter": "https://fi.eu-cm-kg.ai/book/aio.json",
    "door": "https://fi.eu-cm-kg.ai/mcp",
    "tool": "get_orderability"
   },
   "reason": "the chapter's orderability section carries no client_categories: the outcome cannot name its client category",
   "rule_version": "acm-68000/fi/mifid-ii-product-governance/r1",
   "section": "fi.aio.v5"
  },
  "record": {
   "as_of": "2026-11-11",
   "url": "https://mcp.fi-cm-kg.ai/record/XHEL/FI4000081427",
   "version": 1
  },
  "schema": "research-numbers v0.1 (USR-01, 2026-11-11)",
  "status": {
   "read_date": "2026-11-12",
   "source": "https://api.news.eu.nasdaq.com/news/query.action?globalGroup=exchangeNotice&globalName=exchangeNewsFilterHEX|FirstNorthInformationHEX",
   "value": "listed, not halted"
  }
 },
 "numbers_hash": "sha256:9c1134e1e270d03232f1db385f12853a45ce4bf31ac6dba6000330eafcfe360a",
 "path": "/fi/XHEL/FI4000081427",
 "schema": "research-page v0.1 (USR-02, 2026-11-11)",
 "sections": [
  {
   "id": "identity",
   "text": "United Bankers Oyj is listed on Nasdaq Helsinki under the ticker FI4000081427, with ISIN FI4000081427 and LEI 743700J2WO3J6XGFPG77. Its security type, segment, sector and jurisdiction are not on the record. Its listing status is listed, not halted.",
   "title": "Identity and listing"
  },
  {
   "id": "disclosure",
   "text": "The record holds 91 filings in the twelve months to 2026-11-11, on 73 filing days. The median gap between filing days is 4.0 days. The latest filing is 2 days before the record date, on 2026-11-09, a Changes in company's own shares filing. Nasdaq Helsinki has 151 issuers with a median cadence gap of 7 days, a median of 50 filings and a median latency of 6.5 days. The sector median is not on the record.",
   "title": "The disclosure read"
  },
  {
   "id": "auditor",
   "text": "The auditor and its location are not on the record. The market's record does not carry auditor changes.",
   "title": "Auditor"
  },
  {
   "id": "events",
   "text": "The record carries no listing, delisting, name change, domicile change or segment move, because no lifecycle type map is held for this register. The halt flag is listed, not halted.",
   "title": "Events and halts"
  },
  {
   "id": "orderability",
   "text": "The outcome is not determinable under acm-68000/fi/mifid-ii-product-governance/r1, because the chapter's orderability section carries no client categories. The chapter is as of 2026-11-04.",
   "title": "Orderability"
  },
  {
   "id": "coverage",
   "text": "No research houses were found on the investor-relations pages read.",
   "title": "Coverage"
  },
  {
   "id": "open_research",
   "text": "No openly published research notes were found on the record.",
   "title": "Open research"
  },
  {
   "id": "licensed",
   "text": "Licensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.",
   "title": "Licensed"
  },
  {
   "id": "depth",
   "text": "The market's vintage is not sealed, so no sealed years hold the issuer and no earliest sealed date is available. The live record start date is not on the record.",
   "title": "As-of depth"
  },
  {
   "id": "sources",
   "text": "5 source pages are named on this page; every value above carries its own source page and read date in the numbers.",
   "title": "Sources"
  }
 ],
 "sources": [
  {
   "for": "identity.exchange",
   "source": "https://firds.esma.europa.eu/firds/"
  },
  {
   "for": "the disclosure lines",
   "source": "https://mcp.fi-cm-kg.ai/events/XHEL/FI4000081427"
  },
  {
   "for": "the halt flag",
   "source": "https://api.news.eu.nasdaq.com/news/query.action?globalGroup=exchangeNotice&globalName=exchangeNewsFilterHEX|FirstNorthInformationHEX"
  },
  {
   "for": "the orderability chapter",
   "source": "https://fi.eu-cm-kg.ai/book/aio.json"
  },
  {
   "for": "the record",
   "source": "https://mcp.fi-cm-kg.ai/record/XHEL/FI4000081427"
  }
 ],
 "title": "United Bankers Oyj (FI4000081427) — research page",
 "writer": {
  "by": "Claude through the platform account, Haiku class; one pass; checked against the numbers",
  "engine": "claude-haiku-5-5"
 }
}