HomeCompareHCBN vs GBDC

HCBN vs GBDC: Dividend Comparison 2026

HCBN yields 2.07% · GBDC yields 11.85%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.32M in total portfolio value
10 years
HCBN
HCBN
● Live price
2.07%
Share price
$67.54
Annual div
$1.40
5Y div CAGR
64.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$452.4K
Annual income
$273,516.12
Full HCBN 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 — HCBN 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 PeriodHCBNGBDC
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 + GBDC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HCBN pays
GBDC 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)
$176.19/yr
After 10yr DRIP, annual income (after tax)
$232,488.70/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, GBDC beats the other by $13,698,385.20/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HCBN: 50%GBDC: 50%
100% GBDC50/50100% HCBN
Portfolio after 10yr
$10.61M
Annual income
$8,331,389.76/yr
Blended yield
78.49%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

HCBN
No analyst data
Altman Z
0.0
Piotroski
3/9
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)

HCBN buys
0
GBDC buys
2
PoliticianChamberTickerTypeAmountDate
David P. Joyce🏢 House$GBDC▼ Sell$1,001 - $15,0002023-06-30
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002023-06-19
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002022-07-14
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002022-07-12
Teresa Leger Fernandez🏢 House$GBDC▼ Sell$15,001 - $50,0002021-01-20
David P. Joyce🏢 House$GBDC▲ Buy$1,001 - $15,0002020-02-25
David P. Joyce🏢 House$GBDC▲ Buy$15,001 - $50,0002019-05-30
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHCBNGBDC
Forward yield2.07%11.85%
Annual dividend / share$1.40$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR64.5%51.1%
Portfolio after 10y$452.4K$20.78M
Annual income after 10y$273,516.12$16,389,263.41
Total dividends collected$414.0K$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearHCBN PortfolioHCBN Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$11,041$340.98$12,490$1,790.28$1.4KGBDC
2$12,393$578.79$16,522$3,157.73$4.1KGBDC
3$14,259$998.76$23,578$5,898.68$9.3KGBDC
4$17,024$1,766.71$37,115$11,886.75$20.1KGBDC
5$21,458$3,242.77$66,136$26,423.57$44.7KGBDC
6$29,244$6,283.99$137,257$66,491.44$108.0KGBDC
7$44,458$13,166.36$341,734$194,868.54$297.3KGBDC
8$78,342$30,771.90$1,050,788$685,133.02$972.4KGBDC
9$167,190$83,364.73$4,099,314$2,974,971.01$3.93MGBDC
10$452,410$273,516.12$20,775,530$16,389,263.41$20.32MGBDC

HCBN vs GBDC: 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 →

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 HCBN vs GBDC comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

HCBN vs SCHDHCBN vs JEPIHCBN vs OHCBN vs KOHCBN 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.