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CYSM vs GBDC: Dividend Comparison 2026

CYSM yields 1.54% · GBDC yields 11.85%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CYSM wins by $1.21M in total portfolio value· pulled ahead in Year 10
10 years
CYSM
CYSM
● Live price
1.54%
Share price
$19.45
Annual div
$0.30
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.98M
Annual income
$19,547,470.13
Full CYSM 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 — CYSM vs GBDC

📍 CYSM pulled ahead of the other in Year 10

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

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

Crisis PeriodCYSMGBDC
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, CYSM + GBDC cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

CYSM
Annual income on $10K today (after 15% tax)
$131.11/yr
After 10yr DRIP, annual income (after tax)
$16,615,349.61/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, CYSM beats the other by $2,684,475.71/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CYSM: 50%GBDC: 50%
100% GBDC50/50100% CYSM
Portfolio after 10yr
$21.38M
Annual income
$17,968,366.77/yr
Blended yield
84.05%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

CYSM
No analyst data
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)

CYSM buys
0
GBDC buys
0
No recent congressional trades found for CYSM or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCYSMGBDC
Forward yield1.54%11.85% ✓
Annual dividend / share$0.30$1.50 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓51.1%
Portfolio after 10y$21.98M ✓$20.78M
Annual income after 10y$19,547,470.13 ✓$16,389,263.41
Total dividends collected$21.77M ✓$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearCYSM PortfolioCYSM Income/yrGBDC PortfolioGBDC Income/yrGap
1$11,008$308.48$12,490$1,790.28$1.5K → GBDC
2$12,414$634.75$16,522$3,157.73$4.1K → GBDC
3$14,621$1,337.92$23,578$5,898.68$9.0K → GBDC
4$18,590$2,945.36$37,115$11,886.75$18.5K → GBDC
5$26,891$6,999.79$66,136$26,423.57$39.2K → GBDC
6$47,699$18,926.18$137,257$66,491.44$89.6K → GBDC
7$113,789$62,750.80$341,734$194,868.54$227.9K → GBDC
8$401,559$279,804.63$1,050,788$685,133.02$649.2K → GBDC
9$2,275,322$1,845,654.63$4,099,314$2,974,971.01$1.82M → GBDC
10← crossover$21,982,065$19,547,470.13$20,775,530$16,389,263.41+$1.21M → CYSM

CYSM vs GBDC: Complete Analysis 2026

CYSM — Stock

Community Bancorp of Santa Maria, through its subsidiary, Community Bank of Santa Maria, provides various banking products and services for businesses and individuals. The company's deposit products include checking, NOW, money market savings, savings, seedling, Christmas Club, individual retirement, and CDARS accounts; and certificates of deposit. Its loan portfolio comprises home equity lines of credit, personal and commercial real estate loans, commercial construction loans, personal and vehicle loans, mortgage loans, agribusiness loans, commercial equipment loans, commercial and multi-family real estate loans, and commercial revolving lines of credit, as well as Redi-Credit. The company also provides credit and debit cards; and e-banking services. It operates through 2 full-service offices in the Central Coast area of California. The company was founded in 2001 and is based in Santa Maria, California.

Full CYSM Calculator →

GBDC — BDC

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.