HomeCompareFISB vs GBDC

FISB vs GBDC: Dividend Comparison 2026

FISB yields 14.29% · GBDC yields 11.86%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.83M in total portfolio value
10 years
FISB
FISB
● Live price
14.29%
Share price
$14.00
Annual div
$2.00
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.2K
Annual income
$1.58
Full FISB 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 — FISB vs GBDC

📍 GBDC pulled ahead of the other in Year 1

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 PeriodFISBGBDC
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, FISB + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

FISB
Annual income on $10K today (after 15% tax)
$1,214.29/yr
After 10yr DRIP, annual income (after tax)
$1.34/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 $13,983,122.41/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FISB: 50%GBDC: 50%
100% GBDC50/50100% FISB
Portfolio after 10yr
$10.44M
Annual income
$8,225,367.71/yr
Blended yield
78.82%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

FISB
No analyst data
Altman Z
-0.5
Piotroski
3/9
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)

FISB buys
0
GBDC buys
0
No recent congressional trades found for FISB or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFISBGBDC
Forward yield14.29%11.86%
Annual dividend / share$2.00$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%51.1%
Portfolio after 10y$22.2K$20.85M
Annual income after 10y$1.58$16,450,733.83
Total dividends collected$1.5K$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearFISB PortfolioFISB Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$11,414$714.29$12,492$1,791.70$1.1KGBDC
2$12,594$380.98$16,527$3,160.58$3.9KGBDC
3$13,672$196.43$23,588$5,904.90$9.9KGBDC
4$14,729$99.65$37,141$11,901.65$22.4KGBDC
5$15,810$50.16$66,205$26,463.38$50.4KGBDC
6$16,942$25.16$137,452$66,612.65$120.5KGBDC
7$18,141$12.60$342,372$195,298.53$324.2KGBDC
8$19,417$6.30$1,053,292$686,954.33$1.03MGBDC
9$20,779$3.15$4,111,439$2,984,416.95$4.09MGBDC
10$22,235$1.58$20,849,974$16,450,733.83$20.83MGBDC

FISB vs GBDC: Complete Analysis 2026

FISBStock

1st Capital Bancorp operates as the bank holding company for 1st Capital Bank that provides various banking products and services for businesses, professionals, real estate investors, family commercial entities, and individuals in the Central Coast region of California. The company accepts various deposit products, including checking, savings, money market, and individual retirement accounts, as well as certificates of deposits; and debit cards and check orders. It also offers consumer lending solutions; business, agriculture and wine industry, and commercial real estate lending products; personal loans for business owners; and small business administration and government guaranteed lending solutions. In addition, the company invests in securities; provides online, mobile, and telephone banking services; and offers remote check scanning, remote branch deposit, electronic bill payment, remote ACH origination, and remote wire transfer request, as well as cash management services. It serves customers through full-service branch offices in Monterey, Salinas, King City, San Luis Obispo, and Santa Cruz. The company was founded in 2007 and is headquartered in Salinas, California.

Full FISB 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 →
📬

Get this FISB vs GBDC comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FISB vs SCHDFISB vs JEPIFISB vs OFISB vs KOFISB vs MAIN

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