HomeCompareCIWV vs GBDC

CIWV vs GBDC: Dividend Comparison 2026

CIWV yields 2.36% · GBDC yields 11.85%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.19M in total portfolio value
10 years
CIWV
CIWV
● Live price
2.36%
Share price
$43.25
Annual div
$1.02
5Y div CAGR
64%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$588.6K
Annual income
$369,573.30
Full CIWV calculator →
GBDC
GBDC
● Live price
11.85%
Share price
$12.66
Annual div
$1.50
5Y div CAGR
51.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.78M
Annual income
$16,389,263.41
Full GBDC calculator →

Portfolio growth — CIWV 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 PeriodCIWVGBDC
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%.
📅

Dividend Calendar Overlap

Combined, CIWV + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CIWV
Annual income on $10K today (after 15% tax)
$200.46/yr
After 10yr DRIP, annual income (after tax)
$314,137.31/yr
GBDC
Annual income on $10K today (after 15% tax)
$1,007.11/yr
After 10yr DRIP, annual income (after tax)
$13,930,873.90/yr
At 15% tax rate, GBDC beats the other by $13,616,736.59/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CIWV: 50%GBDC: 50%
100% GBDC50/50100% CIWV
Portfolio after 10yr
$10.68M
Annual income
$8,379,418.35/yr
Blended yield
78.44%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

CIWV
No analyst data
Altman Z
0.3
Piotroski
5/9
GBDC
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$14.00
+10.6% 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)

CIWV buys
0
GBDC buys
0
No recent congressional trades found for CIWV or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCIWVGBDC
Forward yield2.36%11.85%
Annual dividend / share$1.02$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR64%51.1%
Portfolio after 10y$588.6K$20.78M
Annual income after 10y$369,573.30$16,389,263.41
Total dividends collected$546.0K$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearCIWV PortfolioCIWV Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$11,087$386.77$12,490$1,790.28$1.4KGBDC
2$12,520$657.24$16,522$3,157.73$4.0KGBDC
3$14,534$1,137.59$23,578$5,898.68$9.0KGBDC
4$17,576$2,024.07$37,115$11,886.75$19.5KGBDC
5$22,557$3,751.52$66,136$26,423.57$43.6KGBDC
6$31,516$7,379.83$137,257$66,491.44$105.7KGBDC
7$49,526$15,803.45$341,734$194,868.54$292.2KGBDC
8$91,056$38,063.58$1,050,788$685,133.02$959.7KGBDC
9$204,693$107,262.47$4,099,314$2,974,971.01$3.89MGBDC
10$588,594$369,573.30$20,775,530$16,389,263.41$20.19MGBDC

CIWV vs GBDC: Complete Analysis 2026

CIWVStock

Citizens Financial Corp. operates as the bank holding company for Citizens Bank of West Virginia, Inc. that provides retail, secondary market, and commercial loan services to consumers and businesses in West Virginia. It provides various deposit products, including checking accounts, savings accounts, money market accounts, and certificates of deposit. The company offers loan products comprising auto, personal, RVS and camper, motorcycles, boats, and ATVS; and commercial loans, such as term loans, line of credit, real estate loans, and government guaranteed loans, as well as home loans and home equity; IRAs; debit and credit cards; remote deposit; and safe deposit boxes rental. It also provides investment products, such as managed and brokerage accounts, 401K, simple and SEP IRAS, traditional and ROTH IRA, smart 529 plans, insurance, and fixed and variable annuities; investment services, including retirement planning, estate planning, asset allocation, and college savings; and trust services. In addition, the company offers online banking, mobile banking, mobile deposit, bill pay, telephone banking, and credit card processing services, as well as wire transfers and digital wallet. It operates six offices in Elkins, Beverly, Parsons, Snowshoe, Buckhannon, and New Martinsville. The company was founded in 1924 and is headquartered in Elkins, West Virginia.

Full CIWV 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.