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CBFC vs GBDC: Dividend Comparison 2026

CBFC yields 2.40% · GBDC yields 11.86%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.82M in total portfolio value
10 years
CBFC
CBFC
● Live price
2.40%
Share price
$50.00
Annual div
$1.20
5Y div CAGR
15.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.2K
Annual income
$1,350.35
Full CBFC calculator →
GBDC
GBDC
● Live price
11.86%
Share price
$12.65
Annual div
$1.50
5Y div CAGR
51.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.85M
Annual income
$16,450,733.83
Full GBDC calculator →

Portfolio growth — CBFC vs GBDC

📍 GBDC pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodCBFCGBDC
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, CBFC + GBDC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CBFC pays
GBDC pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

CBFC
Annual income on $10K today (after 15% tax)
$204.00/yr
After 10yr DRIP, annual income (after tax)
$1,147.80/yr
GBDC
Annual income on $10K today (after 15% tax)
$1,007.91/yr
After 10yr DRIP, annual income (after tax)
$13,983,123.76/yr
At 15% tax rate, GBDC beats the other by $13,981,975.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CBFC + GBDC for your $10,000?

CBFC: 50%GBDC: 50%
100% GBDC50/50100% CBFC
Portfolio after 10yr
$10.44M
Annual income
$8,226,042.10/yr
Blended yield
78.80%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

CBFC
No analyst data
Altman Z
30.1
Piotroski
5/9
GBDC
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$14.00
+10.7% upside vs current
Range: $13.00 — $15.00
Altman Z
0.6
Piotroski
6/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CBFC buys
0
GBDC buys
0
No recent congressional trades found for CBFC or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCBFCGBDC
Forward yield2.40%11.86%
Annual dividend / share$1.20$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR15.2%51.1%
Portfolio after 10y$28.2K$20.85M
Annual income after 10y$1,350.35$16,450,733.83
Total dividends collected$6.8K$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC

Year-by-year: CBFC vs GBDC ($10,000, DRIP)

YearCBFC PortfolioCBFC Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$10,976$276.48$12,492$1,791.70$1.5KGBDC
2$12,072$326.73$16,527$3,160.58$4.5KGBDC
3$13,303$386.87$23,588$5,904.90$10.3KGBDC
4$14,694$459.02$37,141$11,901.65$22.4KGBDC
5$16,268$545.85$66,205$26,463.38$49.9KGBDC
6$18,058$650.65$137,452$66,612.65$119.4KGBDC
7$20,099$777.56$342,372$195,298.53$322.3KGBDC
8$22,438$931.80$1,053,292$686,954.33$1.03MGBDC
9$25,128$1,119.94$4,111,439$2,984,416.95$4.09MGBDC
10$28,238$1,350.35$20,849,974$16,450,733.83$20.82MGBDC

CBFC vs GBDC: Complete Analysis 2026

CBFCStock

CNB Financial Services, Inc. operates as the bank holding company for CNB Bank, Inc. that provides various banking products and services to individuals and businesses in the United States. The company accepts checking, savings, and individual retirement accounts; demand deposits; and certificates of deposit (CDs). Its loan products include consumer loans, such as new and used vehicle, motor homes and travel trailers, motorcycles and ATVs, boats and jet skis, snowmobiles, personal loans and notes, home improvement, vacations, Christmas, equipment, and savings/CD secured loans; commercial loans comprising small business lending, lines of credit, commercial real estate, equipment purchase, church, and professional loans; residential lending products, consisting of in-house and secondary market residential, construction, home equity, and land loans; and real estate mortgage and installment loans. The company also offers debit and credit cards; cash management, smart pay express, merchant, Citadel marketplace program, trust, safe deposit box, and reorder checks; investment products and services; and online, mobile, and telephone banking services. In addition, it invests in mortgage-backed securities and collateralized mortgage obligations. As of December 31, 2021, the company operated two full-service offices and ATMs in Berkeley Springs, West Virginia; three full-service branch offices and ATMs in Berkeley County, West Virginia; and three full service branch offices and ATMs in Washington County, Maryland. CNB Financial Services, Inc. was founded in 1934 and is based in Berkeley Springs, West Virginia.

Full CBFC Calculator →

GBDCBDC

Golub Capital BDC, Inc. (GBDC) is a business development company and operates as an externally managed closed-end non-diversified management investment company. It invests in debt and minority equity investments in middle-market companies that are, in most cases, sponsored by private equity investors. It typically invests in diversified consumer services, automobiles, healthcare technology, insurance, health care equipment and supplies, hotels, restaurants and leisure, healthcare providers and services, IT services and specialty retails. It seeks to invest in the United States. It primarily invests in first lien traditional senior debt, first lien one stop, junior debt and equity, senior secured, one stop, unitranche, second lien, subordinated and mezzanine loans of middle-market companies, and warrants.

Full GBDC Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.