Pathward Financial, Inc. (NASDAQ:CASH) Q2 2023 Earnings Conference Call April 26, 2023 5:00 PM ET

Company Participants

Darby Schoenfeld - Senior Vice President, Head of Investor Relations

Brett Pharr - Chief Executive Officer

Glen Herrick - Executive Vice President and Chief Financial Officer

Conference Call Participants

Frank Schiraldi - Piper Sandler

Operator

Ladies and gentlemen, thank you for standing by, and welcome to Pathward Financial's Second 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, Head 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 second fiscal quarter of 2023, after which we will take your questions.

Additional information, including the earnings release, the investor presentation that accompanies our prepared remarks and supplemental slides 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 results to differ materially from the forward-looking statements.

Additionally, today, we will be discussing certain non-GAAP financial measures on this 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, everyone for joining us today. We're very happy to welcome Darby to Pathward. Please reach out to her to say hello, introduce yourself, and let her know what you might need.

We thought this was a good opportunity and time to offer all of you a bit more context and detail than we have in the past about Pathward. We've taken advantage of the recent attention focus on our industry to assess our strengths, focus on the potential for new opportunities and more about these in a few minutes, and better communicate to you and others, why Pathward is uniquely positioned for a strong and stable future.