HomeCompareCLDB vs GBDC

CLDB vs GBDC: Dividend Comparison 2026

CLDB yields 40.19% · GBDC yields 11.86%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CLDB wins by $15615634187.75M in total portfolio value
10 years
CLDB
CLDB
● Live price
40.19%
Share price
$28.47
Annual div
$11.44
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$15615634208.60M
Annual income
$15,541,348,962,393,100.00
Full CLDB 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 — CLDB vs GBDC

📍 CLDB 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 PeriodCLDBGBDC
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, CLDB + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CLDB
Annual income on $10K today (after 15% tax)
$3,416.20/yr
After 10yr DRIP, annual income (after tax)
$13,210,146,618,034,134.00/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, CLDB beats the other by $13,210,146,604,051,010.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CLDB: 50%GBDC: 50%
100% GBDC50/50100% CLDB
Portfolio after 10yr
$7807817114.73M
Annual income
$7,770,674,489,421,917.00/yr
Blended yield
99.52%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

CLDB
No analyst data
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)

CLDB buys
0
GBDC buys
0
No recent congressional trades found for CLDB or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCLDBGBDC
Forward yield40.19%11.86%
Annual dividend / share$11.44$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%51.1%
Portfolio after 10y$15615634208.60M$20.85M
Annual income after 10y$15,541,348,962,393,100.00$16,450,733.83
Total dividends collected$15610733571.37M$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearCLDB PortfolioCLDB Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$18,738$8,038.11$12,492$1,791.70+$6.2KCLDB
2$48,203$28,153.08$16,527$3,160.58+$31.7KCLDB
3$186,946$135,369.00$23,588$5,904.90+$163.4KCLDB
4$1,181,348$981,316.12$37,141$11,901.65+$1.14MCLDB
5$12,854,934$11,590,891.30$66,205$26,463.38+$12.79MCLDB
6$249,506,519$235,751,739.12$137,452$66,612.65+$249.37MCLDB
7$8,819,867,463$8,552,895,488.39$342,372$195,298.53+$8819.53MCLDB
8$574,555,785,428$565,118,527,242.66$1,053,292$686,954.33+$574554.73MCLDB
9$69,425,463,746,547$68,810,689,056,138.34$4,111,439$2,984,416.95+$69425459.64MCLDB
10$15,615,634,208,601,904$15,541,348,962,393,100.00$20,849,974$16,450,733.83+$15615634187.75MCLDB

CLDB vs GBDC: Complete Analysis 2026

CLDBStock

Cortland Bancorp, Inc. is a bank holding company, which provides commercial and retail banking services through its subsidiary, The Cortland Savings and Banking Company. The company is headquartered in Cortland, Ohio and currently employs 144 full-time employees. The firm's principal activity is to own, manage and supervise The Cortland Savings and Banking Company (Cortland Banks or the Bank). The firm operates through the commercial banking segment. The Bank is a state chartered bank engaged in commercial and retail banking. The Bank's services include checking accounts, savings accounts, time deposit accounts, commercial, mortgage and installment loans, night depository, automated teller services, safe deposit boxes and other miscellaneous services. The Bank provides brokerage and investment services through an arrangement with Investment Professionals, Inc. Under this arrangement, financial advisors offer customers a range of investment products and services, such as estate planning, annuities, life insurance, fixed income, and equity securities and equity research and recommendations. The Bank, through Investment Professionals, Inc., also offers asset management services to customers.

Full CLDB 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.