Pathward Financial, Inc. (NASDAQ:CASH) Q4 2023 Earnings Conference Call October 25, 2023 5:00 PM ET

Company Participants

Darby Schoenfeld - Senior Vice President, Investor Relations

Brett Pharr - Chief Executive Officer

Glen Herrick - Executive Vice President and Chief Financial Officer

Conference Call Participants

Eric Spector - Raymond James

Frank Schiraldi - Piper Sandler

Operator

Ladies and gentlemen, thank you for standing by, and welcome to the Pathward Financial Fourth Quarter Fiscal Year 2023 Investor Conference Call. During the presentation, all participants will be in a listen-only mode. Following the prepared remarks, we will conduct a question-and-answer session. As a reminder, this conference call is being recorded.

I would now like to turn the conference call over to Darby Schoenfeld, Senior Vice President of Investor Relations. Please go ahead.

Darby Schoenfeld

Thank you, operator and welcome. With me today are Pathward Financial’s CEO, Brett Pharr and CFO, Glen Herrick who will discuss our operating and financial results for the fourth fiscal quarter and full fiscal quarter 2023, after which we will take your questions.

Additional information, including the earnings release, the investor presentation that accompanies our prepared remarks and supplemental file may be found on our website at pathwardfinancial.com.

As a reminder, our comments may include forward-looking statements, including with respect to anticipated results for future periods. Those statements are subject to risks and uncertainties that could cause actual and anticipated results to differ. The company undertakes no obligation to update any forward-looking statement.

Please refer to the cautionary language in the earnings release, investor presentation, and in the company's filings with the Securities and Exchange Commission, including our most recent filings for additional information covering factors that could cause actual and anticipated results to differ materially from the forward-looking statements.

Additionally, today, we will be discussing certain non-GAAP financial measures on this conference call. References to non-GAAP measures are only provided to assist you in understanding the company's results and performance trends. Reconciliations for such non-GAAP measures are included in the appendix of the investor presentation.

Now, let me turn the call over to Brett Pharr, our CEO.

Brett Pharr

Thanks, Darby, and thanks everyone for joining us today and for your continued support. We've just completed a year of solid results both financially and operationally. Remind you that we operated the intersection of traditional banking and alternative delivery channels and therefore this year we've had an expanding net interest margin, increased return on assets and increased return on equity.