HomeCompareCNBZ vs GBDC

CNBZ vs GBDC: Dividend Comparison 2026

CNBZ yields 3.73% · GBDC yields 11.85%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.74M in total portfolio value
10 years
CNBZ
CNBZ
● Live price
3.73%
Share price
$24.10
Annual div
$0.90
5Y div CAGR
12.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.9K
Annual income
$1,855.09
Full CNBZ 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 — CNBZ 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 PeriodCNBZGBDC
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, CNBZ + GBDC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CNBZ pays
GBDC pays
Both pay
Neither
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Tax Bracket Optimizer

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

CNBZ
Annual income on $10K today (after 15% tax)
$317.43/yr
After 10yr DRIP, annual income (after tax)
$1,576.83/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 $13,929,297.07/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CNBZ: 50%GBDC: 50%
100% GBDC50/50100% CNBZ
Portfolio after 10yr
$10.40M
Annual income
$8,195,559.24/yr
Blended yield
78.78%
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Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

CNBZ
No analyst data
Altman Z
0.1
Piotroski
4/9
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CNBZ buys
0
GBDC buys
2
PoliticianChamberTickerTypeAmountDate
David P. Joyce🏢 House$GBDC▼ Sell$1,001 - $15,0002023-06-30
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002023-06-19
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002022-07-14
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002022-07-12
Teresa Leger Fernandez🏢 House$GBDC▼ Sell$15,001 - $50,0002021-01-20
David P. Joyce🏢 House$GBDC▲ Buy$1,001 - $15,0002020-02-25
David P. Joyce🏢 House$GBDC▲ Buy$15,001 - $50,0002019-05-30
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCNBZGBDC
Forward yield3.73%11.85%
Annual dividend / share$0.90$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR12.5%51.1%
Portfolio after 10y$31.9K$20.78M
Annual income after 10y$1,855.09$16,389,263.41
Total dividends collected$9.7K$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearCNBZ PortfolioCNBZ Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$11,120$420.12$12,490$1,790.28$1.4KGBDC
2$12,390$491.20$16,522$3,157.73$4.1KGBDC
3$13,832$575.41$23,578$5,898.68$9.7KGBDC
4$15,476$675.43$37,115$11,886.75$21.6KGBDC
5$17,354$794.54$66,136$26,423.57$48.8KGBDC
6$19,506$936.74$137,257$66,491.44$117.8KGBDC
7$21,978$1,107.00$341,734$194,868.54$319.8KGBDC
8$24,828$1,311.43$1,050,788$685,133.02$1.03MGBDC
9$28,123$1,557.64$4,099,314$2,974,971.01$4.07MGBDC
10$31,947$1,855.09$20,775,530$16,389,263.41$20.74MGBDC

CNBZ vs GBDC: Complete Analysis 2026

CNBZStock

CNB Corporation operates as the bank holding company for Citizens National Bank that provides various banking services to individuals, agricultural businesses, commercial businesses, and light industries in Michigan. It offers various deposit products, including checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. The company also provides personal loans, such as home mortgage, home equity, and auto loans, as well as checkmate lines of credit; and business loans, which include term, equipment, commercial real estate, commercial construction, and small business administration loans, as well as business lines of credit. In addition, it offers cash and wealth management solutions; night depository, money order, cashier's check, coin counting, notary, fax, and wire transfer services; safe deposit boxes; bank by mail, mobile and online banking, e-statement, bill pay, remote deposit capture, telephone banking, and direct deposit services; and debit, ATM, merchant, prepaid and payroll, gift, and credit cards. The company operates through eight branches in Cheboygan, Presque Isle, and Emmet counties. CNB Corporation was founded in 1931 and is based in Cheboygan, Michigan.

Full CNBZ 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.