Pathward Financial, Inc. (NASDAQ:CASH) Q3 2022 Earnings Conference Call October 27, 2022 5:00 PM ET

Company Participants

Justin Schempp - VP, IR

Brett Pharr - CEO

Glen Herrick - CFO

Conference Call Participants

Tim Switzer - KBW

Frank Schiraldi - Piper Sandler

Operator

Ladies and gentlemen, thank you for standing by. Welcome to the Pathward Financial Fourth Quarter and Fiscal Year 2022 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. And as a reminder, this conference call is being recorded.

I would now like to turn the conference call over to Justin Schempp, Vice President of Investor Relations and Financial Reporting. Please go ahead.

Justin Schempp

Thank you, operator and welcome. Pathward Financial's CEO, Brett Pharr; and our CFO, Glen Herrick will discuss our operating and financial results for the fourth fiscal quarter and fiscal year ended September 30th, 2022, after which we will take your questions. Anthony Sharett, President is currently attending the Money20/20 Industry Conference this week and he will be unable to join today's call.

Additional information, including the earnings release and a supplemental investor presentation 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 may 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 within the appendix of the investor presentation.

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

Brett Pharr

Thank you everyone for joining Pathward Financial's fourth fiscal quarter 2022 earnings call. I am excited to announce that earlier this month we unveiled our new corporate brand and launched our new website pathward.com.

Our redesigned website highlights the products and services we offer and our commitment to providing a path forward to people and businesses so they can reach the next stage of their financial journey. You'll notice we've also updated our Investor Relations page to provide more information to current and potential shareholders.