HomeCompareIBTX vs ARCC

IBTX vs ARCC: Dividend Comparison 2026

IBTX yields 2.51% · ARCC yields 10.82%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 IBTX wins by $175.74M in total portfolio value· pulled ahead in Year 2
10 years
IBTX
IBTX
● Live price
2.51%
Share price
$60.67
Annual div
$1.52
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$175.76M
Annual income
$163,242,820.00
Full IBTX 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 — IBTX vs ARCC

📍 IBTX pulled ahead of the other in Year 2

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 PeriodIBTXARCC
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, IBTX + ARCC cover 0 of 12 monthsgood coverage

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

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

IBTX
Annual income on $10K today (after 15% tax)
$212.96/yr
After 10yr DRIP, annual income (after tax)
$138,756,397.00/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, IBTX beats the other by $138,756,396.01/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IBTX: 50%ARCC: 50%
100% ARCC50/50100% IBTX
Portfolio after 10yr
$87.89M
Annual income
$81,621,410.58/yr
Blended yield
92.87%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

IBTX
Analyst Ratings
11
Buy
6
Hold
Consensus: Buy
Price Target
$83.00
+36.8% upside vs current
Range: $83.00 — $83.00
Altman Z
0.0
Piotroski
7/9
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)

IBTX buys
0
ARCC buys
0
No recent congressional trades found for IBTX or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIBTXARCC
Forward yield2.51%10.82%
Annual dividend / share$1.52$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%-50%
Portfolio after 10y$175.76M$24.5K
Annual income after 10y$163,242,820.00$1.16
Total dividends collected$174.80M$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusBuyBuy
Analyst price target$83.00$21.88

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

YearIBTX PortfolioIBTX Income/yrARCC PortfolioARCC Income/yrGap
1$11,201$501.07$11,381$541.15$180.00ARCC
2← crossover$13,034$1,049.07$12,621$284.08+$413.00IBTX
3$16,228$2,281.80$13,827$145.31+$2.4KIBTX
4$22,675$5,310.24$15,062$73.43+$7.6KIBTX
5$38,130$13,868.35$16,364$36.89+$21.8KIBTX
6$84,391$43,591.31$17,757$18.49+$66.6KIBTX
7$270,629$180,331.34$19,258$9.25+$251.4KIBTX
8$1,370,504$1,080,931.05$20,880$4.63+$1.35MIBTX
9$11,698,186$10,231,746.67$22,636$2.32+$11.68MIBTX
10$175,759,879$163,242,820.00$24,539$1.16+$175.74MIBTX

IBTX vs ARCC: Complete Analysis 2026

IBTXStock

Independent Bank Group, Inc. operates as the bank holding company for Independent Bank that provides various commercial banking products and services to businesses, professionals, and individuals in the United States. It accepts various deposit products, including checking and savings accounts, demand deposits, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction, land, and land development loans; residential real estate loans; single-family interim construction loans; commercial loans comprising SBA guaranteed loans, business term loans, equipment lease financing, lines of credit, and energy related loans; agricultural loans for farmers and ranchers; consumer installment loans comprising loans to purchase cars, boats, and other recreational vehicles; and residential mortgages, as well as mortgage warehouse purchase loans. In addition, it offers debit cards, online and mobile banking, eStatement, bank-by-mail, and direct deposit services; and business accounts and management services, including analyzed business checking, business savings, and treasury management services. As of December 31, 2021, the company operated 93 full-service branches. Independent Bank Group, Inc. was founded in 2002 and is headquartered in McKinney, Texas.

Full IBTX 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.