HomeCompareHMCBF vs GBDC

HMCBF vs GBDC: Dividend Comparison 2026

HMCBF yields 1.38% · GBDC yields 11.85%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $6.31M in total portfolio value
10 years
HMCBF
HMCBF
● Live price
1.38%
Share price
$32.52
Annual div
$0.45
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$14.46M
Annual income
$12,699,403.13
Full HMCBF 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 — HMCBF vs GBDC

📍 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 PeriodHMCBFGBDC
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, HMCBF + GBDC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HMCBF pays
GBDC pays
Both pay
Neither
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Tax Bracket Optimizer

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

HMCBF
Annual income on $10K today (after 15% tax)
$117.62/yr
After 10yr DRIP, annual income (after tax)
$10,794,492.66/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 $3,136,381.24/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HMCBF: 50%GBDC: 50%
100% GBDC50/50100% HMCBF
Portfolio after 10yr
$17.62M
Annual income
$14,544,333.27/yr
Blended yield
82.55%
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Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

HMCBF
No analyst data
Altman Z
0.3
Piotroski
7/9
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HMCBF 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 →
MetricHMCBFGBDC
Forward yield1.38%11.85%
Annual dividend / share$0.45$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%51.1%
Portfolio after 10y$14.46M$20.78M
Annual income after 10y$12,699,403.13$16,389,263.41
Total dividends collected$14.30M$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearHMCBF PortfolioHMCBF Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$10,977$276.75$12,490$1,790.28$1.5KGBDC
2$12,313$567.82$16,522$3,157.73$4.2KGBDC
3$14,365$1,190.55$23,578$5,898.68$9.2KGBDC
4$17,967$2,596.26$37,115$11,886.75$19.1KGBDC
5$25,295$6,069.57$66,136$26,423.57$40.8KGBDC
6$43,037$15,971.64$137,257$66,491.44$94.2KGBDC
7$96,843$50,793.60$341,734$194,868.54$244.9KGBDC
8$317,262$213,640.47$1,050,788$685,133.02$733.5KGBDC
9$1,647,690$1,308,218.71$4,099,314$2,974,971.01$2.45MGBDC
10$14,462,431$12,699,403.13$20,775,530$16,389,263.41$6.31MGBDC

HMCBF vs GBDC: Complete Analysis 2026

HMCBFStock

Home Capital Group Inc., through its subsidiary, Home Trust Company, provides residential and nonresidential mortgage lending, securitization of residential mortgage products, consumer lending, and credit card services in Canada. It offers deposits through brokers and financial planners under the Oaken Financial brand. The company also provides credit card and line of credit services, including Equityline Visa product, a home equity line of credit that is secured by residential property; and cash-secured and unsecured credit card products. In addition, it offers consumer retail lending services for durable household goods, such as water heaters and larger-ticket home improvement items; and consumer loans. Further, the company manages a treasury portfolio. Additionally, the company offers various lending and savings solutions. The company operates through offices in Ontario, Alberta, British Columbia, Nova Scotia, and Quebec. Home Capital Group Inc. was founded in 1986 and is based in Toronto, Canada.

Full HMCBF 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.