HomeCompareMCBI vs ARCC

MCBI vs ARCC: Dividend Comparison 2026

MCBI yields 1.24% · ARCC yields 10.82%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ARCC wins by $3.1K in total portfolio value
10 years
MCBI
MCBI
● Live price
1.24%
Share price
$22.51
Annual div
$0.28
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.5K
Annual income
$134.84
Full MCBI 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 — MCBI vs ARCC

📍 ARCC 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 PeriodMCBIARCC
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, MCBI + ARCC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

MCBI
Annual income on $10K today (after 15% tax)
$105.73/yr
After 10yr DRIP, annual income (after tax)
$114.61/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, MCBI beats the other by $113.63/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

MCBI: 50%ARCC: 50%
100% ARCC50/50100% MCBI
Portfolio after 10yr
$23.0K
Annual income
$68.00/yr
Blended yield
0.30%
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Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

MCBI
Analyst Ratings
2
Buy
2
Hold
Consensus: Buy
Altman Z
-0.8
Piotroski
4/9
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)

MCBI buys
0
ARCC buys
0
No recent congressional trades found for MCBI or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMCBIARCC
Forward yield1.24%10.82%
Annual dividend / share$0.28$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%-50%
Portfolio after 10y$21.5K$24.5K
Annual income after 10y$134.84$1.16
Total dividends collected$1.3K$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusBuyBuy

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

YearMCBI PortfolioMCBI Income/yrARCC PortfolioARCC Income/yrGap
1← crossover$10,824$124.39$11,381$541.15$557.00ARCC
2$11,708$125.84$12,621$284.08$913.00ARCC
3$12,655$127.20$13,827$145.31$1.2KARCC
4$13,669$128.49$15,062$73.43$1.4KARCC
5$14,756$129.71$16,364$36.89$1.6KARCC
6$15,919$130.86$17,757$18.49$1.8KARCC
7$17,166$131.95$19,258$9.25$2.1KARCC
8$18,500$132.97$20,880$4.63$2.4KARCC
9$19,929$133.93$22,636$2.32$2.7KARCC
10$21,459$134.84$24,539$1.16$3.1KARCC

MCBI vs ARCC: Complete Analysis 2026

MCBIStock

Mountain Commerce Bancorp, Inc. operates as the holding company for Mountain Commerce Bank that provides banking services for small- and medium-sized businesses, professionals, and affluent individuals. It offers checking and savings accounts; certificates of deposit; and mortgage loans, personal loans and lines of credit, commercial real estate loans, small business administration loans, equipment lending, operating lines of credit, and credit cards. The company also provides private banking, free fraud monitoring, estatement, remote deposit capture, and online banking services; and treasury management solutions. In addition, it offers fee based investment management accounts, such as individual stocks, stock mutual funds, and stock exchange traded funds; individual bonds, bond mutual funds, and fixed income exchange traded funds; and 529 college funding plans, as well as traditional, roth, and simple IRA's. Further, the company provides retirement plan consulting services comprising 401(k) and 403(b) plan design review and search services, fiduciary, investment committee support and guidance, and participant education and newsletters; life insurance for individuals, groups, or estate planning strategies; disability insurance and long term care insurance; and financial planning products and services. It operates through six branches located in Brentwood, Erwin, Johnson City, Knoxville, and Unicoi. The company was founded in 1910 and is based in Knoxville, Tennessee.

Full MCBI 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.