HomeCompareFNCB vs GBDC

FNCB vs GBDC: Dividend Comparison 2026

FNCB yields 5.33% · GBDC yields 11.86%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 FNCB wins by $8862.36M in total portfolio value· pulled ahead in Year 4
10 years
FNCB
FNCB
● Live price
5.33%
Share price
$6.75
Annual div
$0.36
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$8883.21M
Annual income
$8,574,363,139.05
Full FNCB 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 — FNCB vs GBDC

📍 FNCB pulled ahead of the other in Year 4

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 PeriodFNCBGBDC
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, FNCB + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

FNCB
Annual income on $10K today (after 15% tax)
$453.33/yr
After 10yr DRIP, annual income (after tax)
$7,288,208,668.19/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, FNCB beats the other by $7,274,225,544.44/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FNCB: 50%GBDC: 50%
100% GBDC50/50100% FNCB
Portfolio after 10yr
$4452.03M
Annual income
$4,295,406,936.45/yr
Blended yield
96.48%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

FNCB
No analyst data
Altman Z
-0.5
Piotroski
6/9
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)

FNCB buys
0
GBDC buys
0
No recent congressional trades found for FNCB or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFNCBGBDC
Forward yield5.33%11.86%
Annual dividend / share$0.36$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%51.1%
Portfolio after 10y$8883.21M$20.85M
Annual income after 10y$8,574,363,139.05$16,450,733.83
Total dividends collected$8861.64M$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearFNCB PortfolioFNCB Income/yrGBDC PortfolioGBDC Income/yrGap
1$11,767$1,066.67$12,492$1,791.70$725.00GBDC
2$14,936$2,346.00$16,527$3,160.58$1.6KGBDC
3$21,548$5,566.28$23,588$5,904.90$2.0KGBDC
4← crossover$38,066$15,009.89$37,141$11,901.65+$925.00FNCB
5$90,294$49,562.78$66,205$26,463.38+$24.1KFNCB
6$316,359$219,744.51$137,452$66,612.65+$178.9KFNCB
7$1,777,588$1,439,083.97$342,372$195,298.53+$1.44MFNCB
8$17,016,157$15,114,137.40$1,053,292$686,954.33+$15.96MFNCB
9$288,640,446$270,433,158.69$4,111,439$2,984,416.95+$284.53MFNCB
10$8,883,208,417$8,574,363,139.05$20,849,974$16,450,733.83+$8862.36MFNCB

FNCB vs GBDC: Complete Analysis 2026

FNCBStock

FNCB Bancorp, Inc. operates as the bank holding company for FNCB Bank that provides retail and commercial banking services to individuals, businesses, local governments, and municipalities in Northeastern Pennsylvania. The company offers checking, savings, money market, and certificate of deposit products. It also provides residential mortgage loans, and home equity term loans and lines of credit; construction, land acquisition, and development loans; commercial real estate loans; commercial and industrial loans; consumer loans, such as secured and unsecured installment loans, automobile financing, lines of credit, and overdraft protection loans; state and political subdivision loans and leases; and purchased loans. In addition, the company offers debit cards; mobile and telephone banking, check imaging, and electronic statement services; remote deposit capture, merchant, treasury, and purchasing card services; and wealth management services. As of January 28, 2022, it operated 17 community offices located in Lackawanna, Luzerne, and Wayne Counties. The company was formerly known as First National Community Bancorp, Inc. and changed its name to FNCB Bancorp, Inc. in October 2016. FNCB Bancorp, Inc. was founded in 1910 and is headquartered in Dunmore, Pennsylvania.

Full FNCB 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.