Pathward Financial, Inc. (CASH) Q3 2026 Earnings Call Transcript

Pathward Financial, Inc. ( CASH ) Q3 2026 Earnings Call July 22, 2026 5:00 PM EDT Company Participants Darby Schoenfeld - Senior VP and Chief of Staff & Investor Relations Brett Pharr - CEO & Director Gregory Sigrist - Executive VP & CFO Conference Call Participants Timothy Switzer - Keefe, Bruyette, & Woods, Inc., Research Division Joseph Yanchunis - Raymond James & Associates, Inc., Research Division Manuel Navas - Piper Sandler & Co., Research Division Presentation Operator Ladies and gentlemen, thank you for standing by and welcome to Pathward Financial's Third Quarter 2026 Investor Conference Call.

[Operator Instructions] As a reminder, this conference call is being recorded.

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

Darby Schoenfeld Senior VP and Chief of Staff & Investor Relations Thank you, operator, and welcome. With me today are Pathward Financial's CEO, Brett Pharr, and CFO, Greg Sigrist, who will discuss our operating and financial results for the third quarter of fiscal '26, 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. 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 statements. 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 call. References to