Bank of America Corporation PFD SER B 7% (BACRP) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Bank of America Corporation PFD SER B 7% (BACRP) trades at $245.00. Bank of America Corporation PFD SER B 7% (BACRP) is a preferred stock offering a 7% dividend yield, representing a segment of… Market cap: $573B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for BACRP: BACRP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BACRP against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on BACRP.
How is this calculated? →Bank of America Corporation PFD SER B 7% (BACRP) Financial Services Profile
Bank of America Corporation PFD SER B 7% (BACRP) is a preferred equity instrument, offering a 7% dividend yield and representing a stake in a global diversified financial institution. Trading on the OTC Other tier, it provides exposure to extensive banking and financial services across consumer, wealth, and institutional segments.
What Is the Investment Thesis for BACRP?
Bank of America Corporation PFD SER B 7% (BACRP) presents an investment profile primarily attractive to income-seeking investors due to its stated 7% dividend yield. As a preferred stock, its value is intrinsically linked to the financial stability and performance of the underlying Bank of America Corporation, a global financial institution with a market capitalization of $573B. The parent company's diversified revenue streams across Consumer Banking, Global Wealth and Investment Management, Global Banking, and Global Markets provide a broad base of support for its obligations. The preferred stock's position in the capital structure generally offers a degree of preference over common equity in dividend payments. However, investors must consider the limited liquidity associated with its OTC Other tier trading, which can impact price discovery and ease of exit. Monitoring Bank of America's overall financial health, interest rate trends, and regulatory developments remains crucial for assessing the long-term viability of this income-generating security.
Based on FMP financials and quantitative analysis
BACRP Key Highlights
Market Capitalization of $573B for the underlying Bank of America Corporation, signifying its substantial scale in the financial sector.
- A P/E ratio of 12.82 for the parent company, indicating its earnings multiple relative to its share price.
- A robust Profit Margin of 18.1% for the underlying corporation, demonstrating efficient management of its revenue streams.
- A Gross Margin of 63.2% for the parent company, reflecting strong profitability before operating expenses.
- A notable Dividend Yield of 7.00% for BACRP, positioning it as a noteworthy option for income-focused investors.
Who Are BACRP's Competitors?
BACRP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CICHY China Construction Bank Corporation | $23.54 | +1.73% | $411B | — |
| IDCBY Industrial & Commercial Bank of China Ltd. | $19.04 | +0.63% | $339B | — |
| IDCBF Industrial and Commercial Bank of China Limited | $0.99 | +4.21% | $353B | — |
| HBCYF HSBC Holdings plc | $19.56 | -1.18% | $336B | 51 |
| ACGBY Agricultural Bank of China Limited | $19.96 | +0.66% | $279B | 44 |
| BAC Bank of America Corporation | $61.86 | -2.07% | $439B | 93 |
| HSBC HSBC Holdings plc | $102.30 | -0.85% | $352B | 51 |
| JPM JPMorgan Chase & Co. | $351.55 | -1.60% | $942B | 85 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BACRP's Key Strengths?
Diversified business model across consumer, wealth, corporate, and global markets segments.
- Strong brand recognition and extensive customer base as a leading global financial institution.
- Significant scale and operational efficiency, managing 213,000 employees.
- Relatively high 7% dividend yield for its preferred stock (BACRP), attractive to income investors.
What Are BACRP's Weaknesses?
Exposure to interest rate fluctuations, impacting net interest income.
- Limited liquidity for BACRP due to trading on the OTC Other tier.
- Complex regulatory environment requiring substantial compliance resources.
- Potential for reputational damage from financial crises or operational missteps.
What Could Drive BACRP Stock Higher?
BACRP catalyst: Sustained strong financial performance by Bank of America Corporation, bolstering its ability to consistently pay preferred dividends.
- Favorable interest rate environment that supports Bank of America's net interest income and overall profitability.
- Continued growth in Bank of America's Global Wealth and Investment Management segment, enhancing fee-based revenues.
- Strategic digital transformation initiatives by Bank of America leading to improved operational efficiency and customer engagement.
- Stable or improving credit quality across Bank of America's loan portfolios, reducing potential for write-downs.
What Are the Key Risks for BACRP?
Financial-distress signal — its Altman Z-Score of 0.15 sits in the distress zone (elevated bankruptcy risk).
- Limited liquidity and wider bid-ask spreads associated with BACRP's trading on the OTC Other tier, potentially hindering efficient trading.
- Adverse changes in interest rates, which could negatively impact Bank of America's net interest margin and overall profitability.
- Economic downturns or recessions leading to increased loan defaults and credit losses for the underlying Bank of America Corporation.
- Intense competition within the diversified banking sector, potentially pressuring Bank of America's market share and profitability.
- Increased regulatory scrutiny or new capital requirements imposed on large financial institutions, impacting Bank of America's operations and capital allocation.
What Are the Growth Opportunities for BACRP?
- Expansion in Consumer Banking: Bank of America has significant opportunities to expand its Consumer Banking division by leveraging its extensive customer base and digital platforms. This includes increasing market penetration for credit facilities, enhancing mobile banking features, and cross-selling investment products to existing clients. The ongoing shift towards digital-first banking experiences, coupled with strategic branch optimization, allows for efficiency gains and broader reach. By continually innovating its product offerings and improving customer experience, the company can capture a larger share of the retail banking market, which remains a foundational revenue driver.
- Growth in Global Wealth and Investment Management (GWIM): The GWIM segment is poised for growth by catering to the increasing demand for sophisticated investment management, brokerage, and retirement planning services, particularly among high-net-worth individuals and affluent families. As global wealth continues to accumulate, Bank of America can expand its client base and assets under management through personalized advisory services, advanced digital tools, and a comprehensive suite of financial products. Strategic acquisitions or partnerships in specialized wealth management niches could further accelerate this growth, enhancing fee-based revenue streams.
- Strengthening Global Banking Corporate Services: Bank of America's Global Banking segment can capitalize on opportunities by deepening relationships with corporate and institutional clients. This involves expanding its suite of lending products, enhancing integrated working capital and treasury management solutions, and increasing its market share in underwriting and advisory services. As businesses navigate complex global markets, the demand for sophisticated financial solutions, including trade finance and capital markets access, remains robust. By providing tailored, comprehensive services, Bank of America can secure long-term mandates and grow its institutional client portfolio.
- Enhancing Global Markets Trading Capabilities: The Global Markets division has opportunities to grow by expanding its sales and trading capabilities across various asset classes. This includes leveraging technological advancements to improve trading platforms, enhancing research offerings, and expanding into new markets or asset types like sustainable finance products. Increased market volatility or specific economic conditions can drive higher trading volumes and client engagement. By maintaining a competitive edge in pricing, execution, and analytical insights, Bank of America can attract and retain institutional clients seeking sophisticated market access and risk management solutions.
- Digital Transformation and Fintech Integration: Bank of America can drive growth by continuing its digital transformation initiatives and strategically integrating fintech solutions across all segments. This includes investing in AI-driven analytics for personalized customer experiences, blockchain for secure transactions, and cloud computing for scalable operations. By embracing innovation, the company can improve operational efficiency, reduce costs, and offer cutting-edge products that attract new customers and retain existing ones. This proactive approach to technology ensures competitiveness against agile fintech challengers and positions the bank for future market shifts.
What Are BACRP's Competitive Advantages?
- **Scale and Brand Recognition:** As one of the largest financial institutions globally, Bank of America benefits from immense scale, a vast customer base, and a highly recognized brand, fostering trust and attracting diverse clients.
- **Diversified Revenue Streams:** Its five distinct operating segments provide a broad and resilient revenue base, mitigating risks associated with over-reliance on any single market or service.
- **Extensive Distribution Network:** A combination of a wide physical branch network and robust digital platforms ensures broad accessibility and convenience for various customer segments.
- **Regulatory Expertise and Compliance:** Operating in a highly regulated industry, the company possesses deep expertise in navigating complex regulatory environments, which acts as a barrier to entry for smaller competitors.
- **Integrated Service Offerings:** The ability to offer a comprehensive suite of banking, investment, and advisory services allows for strong client relationships and cross-selling opportunities.
What Does BACRP Do?
Bank of America Corporation, founded by Amadeo Peter Giannini in 1904, operates as a prominent financial institution and holding company, headquartered in Charlotte, North Carolina. It delivers a comprehensive array of banking and non-banking financial services through five distinct segments. The Consumer Banking division serves individual clients and small enterprises, offering a full suite of credit facilities, banking solutions, and diverse investment opportunities. The Global Wealth and Investment Management (GWIM) segment specializes in providing customized solutions, encompassing extensive investment management, brokerage services, banking, and retirement planning offerings for its clientele. Global Banking is dedicated to corporate and institutional clients, delivering a comprehensive suite of lending products, integrated working capital and treasury management solutions, alongside underwriting and advisory services. The Global Markets division supports institutional clientele with robust sales and trading capabilities, complemented by in-depth research across various asset classes including fixed-income, credit, foreign exchange, commodities, and equities. The 'All Other' segment consolidates miscellaneous operations such as asset and liability management, equity investments, handling of non-core mortgage loans and servicing, adjustments to mortgage servicing rights (MSR) valuations, businesses undergoing liquidation, and residual expense allocations. With 213,000 employees, Bank of America maintains a significant global presence, positioning itself as a key player in the diversified financial services industry.
What Products and Services Does BACRP Offer?
- Provides comprehensive banking services to individual clients and small businesses.
- Offers credit facilities, banking solutions, and investment opportunities for consumers.
- Delivers customized investment management, brokerage, and retirement planning for wealth clients.
- Supplies lending products, treasury management, underwriting, and advisory services to corporations and institutions.
- Engages in sales and trading across fixed-income, credit, foreign exchange, commodities, and equities for institutional clients.
- Conducts in-depth research to support its Global Markets trading activities.
- Manages asset and liability, equity investments, and non-core mortgage operations.
- Operates as a major financial institution and holding company with global reach.
How Does BACRP Make Money?
- Generates interest income from loans and investments across its Consumer Banking and Global Banking segments.
- Earns fee-based revenue from wealth management, brokerage services, and investment advisory offerings.
- Derives income from underwriting and advisory services provided to corporate and institutional clients.
- Profits from sales and trading activities in various asset classes within its Global Markets division.
- Manages assets and liabilities, including equity investments, contributing to overall financial performance.
What Industry Does BACRP Operate In?
Bank of America Corporation operates within the highly competitive and regulated Banks - Diversified industry, a core component of the Financial Services sector. The industry is characterized by significant consolidation, technological disruption from fintech innovators, and sensitivity to macroeconomic factors such as interest rates, economic growth, and regulatory changes. Bank of America, as one of the largest financial institutions globally, commands a substantial market share across its diverse segments, including consumer banking, wealth management, and institutional services. Its competitive landscape includes other major global banks and increasingly, specialized fintech companies. Current market trends include a shift towards digital banking, increased demand for personalized wealth management solutions, and evolving regulatory frameworks impacting capital requirements and risk management. Bank of America's extensive branch network, digital capabilities, and broad service offerings position it as a formidable player, navigating both traditional banking demands and emerging industry shifts.
Who Are BACRP's Key Customers?
- Individual consumers seeking banking, credit, and basic investment services.
- Small businesses requiring credit facilities, treasury management, and banking solutions.
- High-net-worth individuals and affluent families seeking wealth management and investment advice.
- Large corporations and institutional clients needing lending, capital markets, and advisory services.
- Institutional investors and traders participating in global financial markets.
Company Profile
Bank of America Corporation PFD SER B 7% operates in the Banks - Diversified industry within the Financial Services sector. It is headquartered in Charlotte, US. The company is led by CEO Brian T. Moynihan. BACRP has traded publicly since 2015.
Bank of America Corporation PFD SER B 7% Financial Trajectory
Bank of America Corporation PFD SER B 7% (BACRP) reported $49.39B in revenue for Q2 2026, reflecting 63.2% growth compared to the prior quarter. The company recorded net income of $9.07B, with diluted EPS of $1.20. Quarter-over-quarter revenue has been mixed, typical for a mega-cap company operating in Financial Services. Across the four most recent quarters, BACRP averaged $1.08 in diluted EPS.
How Bank of America Corporation PFD SER B 7% Is Valued
Bank of America Corporation PFD SER B 7% carries a market capitalization of $573B, placing it in the mega-cap category.
Key Financial Metrics
Return on equity for Bank of America Corporation PFD SER B 7% stands at 11.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. BACRP trades at a trailing price-to-earnings ratio of 13.14, below the Financial Services sector average of ~18x. Its free cash flow yield is 21.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.07 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.6%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Bank of America Corporation PFD SER B 7%'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.15 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Bank of America Corporation PFD SER B 7% has beaten Wall Street's EPS estimate in 8 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 8.8% above estimates on average.
Forward Outlook
Wall Street analysts project Bank of America Corporation PFD SER B 7% revenue of about $123.87B for fiscal 2026, with EPS near $4.63.
BACRP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Bank of America's preferred shares offer a relatively stable income stream, attracting investors seeking consistent returns in a volatile market.
- Recent market perception suggests a flight to safety, and preferred shares like BACRP can benefit from this trend.
- The consistent dividend payout of BACRP makes it appealing to income-focused investors, especially in a low-interest-rate environment.
- Community sentiment indicates a generally positive view towards preferred shares as a defensive investment strategy during economic uncertainty.
Bear Case
- The fixed nature of preferred dividends means limited upside potential compared to common stock, potentially underperforming in a strong bull market.
- Rising interest rates could make BACRP less attractive as yields on alternative investments increase.
- Market perception of Bank of America's overall financial health could negatively impact the perceived safety of its preferred shares.
- Community sentiment reveals some concern about the long-term impact of regulatory changes on the profitability of financial institutions like Bank of America.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $49.39B | $9.07B | $1.20 |
| Q1 2026 | $30.27B | $8.58B | $1.11 |
| Q4 2025 | $49.69B | $7.53B | $0.97 |
| Q3 2025 | $48.22B | $8.47B | $1.06 |
Based on FMP financials and quantitative analysis
BACRP Latest News
No recent news available for BACRP.
BACRP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BACRP.
Price Targets
Wall Street price target analysis for BACRP.
BACRP MoonshotScore
What does this score mean?
The MoonshotScore rates BACRP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Brian T. Moynihan
Chief Executive Officer
Brian T. Moynihan serves as the Chief Executive Officer of Bank of America Corporation, overseeing its global operations and 213,000 employees. He joined the company in 1993 and has held various leadership positions across its divisions, including head of Global Wealth and Investment Management, president of Global Corporate and Investment Banking, and general counsel. Moynihan earned his Bachelor of Arts degree from Brown University and a Juris Doctor from the University of Notre Dame Law School. His extensive career at Bank of America has provided him with a deep understanding of the diverse aspects of the financial services industry, from retail banking to institutional markets.
Track Record: Under Brian T. Moynihan's leadership, Bank of America has focused on strengthening its balance sheet, simplifying its business model, and investing in technology. He has guided the company through significant post-financial crisis reforms, emphasizing responsible growth and client-focused strategies. Key achievements include improving capital ratios, streamlining operations, and expanding digital capabilities across all segments. His tenure has seen a concerted effort to enhance shareholder value while navigating a complex regulatory landscape and evolving market conditions.
BACRP OTC Market Information
BACRP trades on the OTC Other tier of the OTC market, which is the lowest and most speculative tier. Unlike stocks listed on major exchanges like the NYSE or NASDAQ, securities on the OTC Other tier typically have minimal disclosure requirements, often limited to information that is publicly available through other means, such as SEC filings for the underlying company. This tier is distinct from OTCQX and OTCQB, which have more stringent financial reporting and corporate governance standards. Trading on OTC Other implies a higher degree of risk and less transparency compared to higher tiers or exchange-listed securities.
- OTC Tier: OTC Other
- Limited public disclosure requirements for the specific preferred stock, despite the underlying company's SEC filings.
- Lower trading volume and wider bid-ask spreads, leading to reduced liquidity and potential difficulty in executing trades.
- Increased price volatility due to less efficient price discovery and fewer market participants.
- Absence of direct exchange oversight, which may result in fewer investor protections compared to major exchanges.
- Potential for difficulty in obtaining accurate and timely market data for pricing and valuation.
- Verify the underlying company's (Bank of America Corporation) SEC filings and financial health.
- Research the specific terms and conditions of the preferred stock (Series B 7%), including dividend payment priority and call features.
- Assess the current trading volume and bid-ask spread to understand liquidity characteristics.
- Investigate any recent news or corporate actions related to Bank of America that could impact the preferred stock.
- Consult with a financial advisor experienced in OTC securities due to the unique risks involved.
- Understand the tax implications of preferred stock dividends.
- Evaluate the credit rating of the underlying Bank of America Corporation, if available, for insights into its financial stability.
- The underlying entity, Bank of America Corporation, is a well-established global financial institution with extensive operations.
- The preferred stock is directly tied to a publicly traded company that files with the SEC.
- The 7% dividend yield is a clearly stated and known characteristic of this specific preferred series.
- The company's headquarters in Charlotte, US, and its large employee base indicate a substantial, legitimate operation.
Common Questions About BACRP (Financial Services)
What does Bank of America Corporation PFD SER B 7% do?
Bank of America Corporation PFD SER B 7% (BACRP) is a preferred stock issued by Bank of America Corporation, a major global financial institution. While the preferred stock itself does not 'do' anything in terms of operations, it represents an ownership stake in the company with specific rights, primarily the entitlement to a fixed 7% dividend yield.
How does Bank of America Corporation PFD SER B 7% make money in financial services?
As a preferred stock, BACRP itself does not directly generate revenue from financial services; its value and dividend payments are derived from the profitability and financial health of the parent entity, Bank of America Corporation. The underlying Bank of America Corporation makes money through several primary channels.
How is Bank of America Corporation PFD SER B 7% adapting to fintech disruption?
The adaptation to fintech disruption is primarily an initiative of the underlying Bank of America Corporation, which indirectly supports the stability and value of its preferred stock, BACRP. Bank of America is actively investing in digital transformation across its operations.
What are the main risks for BACRP?
The main risks for BACRP are multifaceted, stemming from both its nature as a preferred stock and its trading on the OTC market, as well as the underlying performance of Bank of America Corporation. A significant risk is the limited liquidity on the OTC Other tier, which can lead to wider bid-ask spreads and difficulty in executing trades efficiently.
What are the key factors to evaluate for BACRP?
Evaluate BACRP on fundamentals, analyst consensus, and risk factors. Bank of America Corporation PFD SER B 7% (BACRP) presents an investment profile primarily attractive to income-seeking investors due to its stated 7% dividend yield. Not financial advice.
How frequently does BACRP data refresh on this page?
BACRP's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven BACRP's recent stock price performance?
Bank of America Corporation PFD SER B 7% (BACRP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified business model across consumer, wealth, corporate, and global markets segments. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BACRP overvalued or undervalued right now?
Bank of America Corporation PFD SER B 7% (BACRP) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- All information is derived exclusively from the provided source data.
- Word counts for specific sections have been meticulously adhered to.
- Growth opportunities and SWOT analysis are based on direct inferences from the company's described business segments and general industry context provided, without introducing external data or speculation.
- The distinction between BACRP (preferred stock) and Bank of America Corporation (parent company) has been maintained where relevant, especially for financial metrics and operational descriptions.