HomeCompareGBDC vs CFG

GBDC vs CFG: Dividend Comparison 2026

GBDC yields 11.86% · CFG yields 3.06%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.82M in total portfolio value
10 years
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 →
CFG
CFG
● Live price
3.06%
Share price
$57.45
Annual div
$1.76
5Y div CAGR
14.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.4K
Annual income
$1,688.32
Full CFG calculator →

Portfolio growth — GBDC vs CFG

📍 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 PeriodGBDCCFG
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, GBDC + CFG cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

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
CFG
Annual income on $10K today (after 15% tax)
$260.40/yr
After 10yr DRIP, annual income (after tax)
$1,435.07/yr
At 15% tax rate, GBDC beats the other by $13,981,688.68/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

GBDC: 50%CFG: 50%
100% CFG50/50100% GBDC
Portfolio after 10yr
$10.44M
Annual income
$8,226,211.08/yr
Blended yield
78.79%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CFG right now

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
CFG
Analyst Ratings
31
Buy
6
Hold
1
Sell
Consensus: Buy
Price Target
$70.08
+22.0% upside vs current
Range: $60.00 — $80.00
Altman Z
0.3
Piotroski
7/9
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)

GBDC buys
0
CFG buys
12
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$CFG▲ Buy$1,001 - $15,0002025-10-22
Ro Khanna🏢 House$CFG▲ Buy$1,001 - $15,0002025-10-08
Jefferson Shreve🏢 House$CFG▼ Sell$15,001 - $50,0002025-04-07
Kathy Manning🏢 House$CFG▲ Buy$15,001 - $50,0002024-01-23
Kathy Manning🏢 House$CFG▲ Buy$1,001 - $15,0002024-01-23
Tommy Tuberville🏛 Senate$CFG▼ Sell$15,001 - $50,0002024-01-19
Kathy Manning🏢 House$CFG▼ Sell$15,001 - $50,0002023-12-12
Kathy Manning🏢 House$CFG▼ Sell$1,001 - $15,0002023-12-12
Ro Khanna🏢 House$CFG▲ Buy$1,001 - $15,0002023-11-03
Ro Khanna🏢 House$CFG▲ Buy$1,001 - $15,0002023-10-31
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricGBDCCFG
Forward yield11.86%3.06%
Annual dividend / share$1.50$1.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR51.1%14.2%
Portfolio after 10y$20.85M$30.4K
Annual income after 10y$16,450,733.83$1,688.32
Total dividends collected$20.43M$8.6K
Payment frequencyquarterlyquarterly
SectorBDCFinancials
Analyst consensusBuyBuy
Analyst price target$14.00$70.08

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

YearGBDC PortfolioGBDC Income/yrCFG PortfolioCFG Income/yrGap
1← crossover$12,492$1,791.70$11,050$349.86+$1.4KGBDC
2$16,527$3,160.58$12,236$412.60+$4.3KGBDC
3$23,588$5,904.90$13,580$487.63+$10.0KGBDC
4$37,141$11,901.65$15,108$577.61+$22.0KGBDC
5$66,205$26,463.38$16,852$685.86+$49.4KGBDC
6$137,452$66,612.65$18,848$816.48+$118.6KGBDC
7$342,372$195,298.53$21,142$974.64+$321.2KGBDC
8$1,053,292$686,954.33$23,789$1,166.83+$1.03MGBDC
9$4,111,439$2,984,416.95$26,855$1,401.25+$4.08MGBDC
10$20,849,974$16,450,733.83$30,423$1,688.32+$20.82MGBDC

GBDC vs CFG: Complete Analysis 2026

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 →

CFGFinancials

Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

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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.