HomeCompareHCBN vs ARCC

HCBN vs ARCC: Dividend Comparison 2026

HCBN yields 2.09% · ARCC yields 10.82%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HCBN wins by $436.2K in total portfolio value· pulled ahead in Year 3
10 years
HCBN
HCBN
● Live price
2.09%
Share price
$67.03
Annual div
$1.40
5Y div CAGR
64.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$460.8K
Annual income
$279,403.47
Full HCBN calculator →
ARCC
Ares Capital Corporation
● Live price
10.82%
Share price
$17.74
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.16
Full ARCC calculator →

Portfolio growth — HCBN vs ARCC

📍 HCBN pulled ahead of the other in Year 3

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 PeriodHCBNARCC
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, HCBN + ARCC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HCBN
Annual income on $10K today (after 15% tax)
$177.53/yr
After 10yr DRIP, annual income (after tax)
$237,492.95/yr
ARCC
Annual income on $10K today (after 15% tax)
$919.95/yr
After 10yr DRIP, annual income (after tax)
$0.99/yr
At 15% tax rate, HCBN beats the other by $237,491.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HCBN + ARCC for your $10,000?

HCBN: 50%ARCC: 50%
100% ARCC50/50100% HCBN
Portfolio after 10yr
$242.7K
Annual income
$139,702.31/yr
Blended yield
57.57%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

HCBN
No analyst data
Altman Z
0.0
Piotroski
3/9
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+23.3% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
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)

HCBN buys
0
ARCC buys
0
No recent congressional trades found for HCBN or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHCBNARCC
Forward yield2.09%10.82%
Annual dividend / share$1.40$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR64.5%-50%
Portfolio after 10y$460.8K$24.5K
Annual income after 10y$279,403.47$1.16
Total dividends collected$422.1K$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC

Year-by-year: HCBN vs ARCC ($10,000, DRIP)

YearHCBN PortfolioHCBN Income/yrARCC PortfolioARCC Income/yrGap
1$11,044$343.58$11,381$541.15$337.00ARCC
2$12,400$583.33$12,621$284.08$221.00ARCC
3← crossover$14,275$1,006.95$13,827$145.31+$448.00HCBN
4$17,056$1,782.15$15,062$73.43+$2.0KHCBN
5$21,524$3,273.69$16,364$36.89+$5.2KHCBN
6$29,382$6,351.22$17,757$18.49+$11.6KHCBN
7$44,768$13,328.97$19,258$9.25+$25.5KHCBN
8$79,123$31,222.15$20,880$4.63+$58.2KHCBN
9$169,499$84,837.27$22,636$2.32+$146.9KHCBN
10$460,768$279,403.47$24,539$1.16+$436.2KHCBN

HCBN vs ARCC: Complete Analysis 2026

HCBNStock

HCB Financial Corp. operates as the bank holding company for Highpoint Community Bank that provides various banking products and services in Michigan. The company offers various personal banking services, including checking and savings accounts; mortgage, home equity, and personal loans; and overdraft services. It also provides business banking services comprising business checking and savings accounts; business loan services, such as real estate lending, lines of credit, and term loans; small business administration loans; other services consisting of sweep and courier banking services, merchant credit card services, night depository services, wire services, health savings accounts, and business mentoring; and overdraft and digital services. In addition, the company offers trust and investment services; electronic banking services, including mobile, telephone, and online banking, mobile deposit, eStatements, and bill pay services; and debit and ATM, credit, gift, and reloadable cards. Further, it provides wealth management services, including investment management, personal trust administration, estate administration, individual retirement account, asset protection and risk management, investment and retirement planning, financial planning, and asset accumulation. Additionally, the company offers insurance services, which include life, health, and disability insurance, and education planning; and annuities, bonds, IRAs, mutual funds, and stocks products. The company operates seven full-service banking offices in Barry County. HCB Financial Corp. was founded in 1886 and is headquartered in Hastings, Michigan.

Full HCBN Calculator →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.