HomeCompareNCBS vs HTGC

NCBS vs HTGC: Dividend Comparison 2026

NCBS yields 2.65% · HTGC yields 12.73%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HTGC wins by $694.6K in total portfolio value
10 years
NCBS
NCBS
● Live price
2.65%
Share price
$75.35
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.7K
Annual income
$315.00
Full NCBS calculator →
HTGC
Hercules Capital Inc.
● Live price
12.73%
Share price
$14.77
Annual div
$1.88
5Y div CAGR
32.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$718.3K
Annual income
$326,530.50
Full HTGC calculator →

Portfolio growth — NCBS vs HTGC

📍 HTGC 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 PeriodNCBSHTGC
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, NCBS + HTGC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

NCBS
Annual income on $10K today (after 15% tax)
$225.61/yr
After 10yr DRIP, annual income (after tax)
$267.75/yr
HTGC
Annual income on $10K today (after 15% tax)
$1,081.92/yr
After 10yr DRIP, annual income (after tax)
$277,550.93/yr
At 15% tax rate, HTGC beats the other by $277,283.18/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of NCBS + HTGC for your $10,000?

NCBS: 50%HTGC: 50%
100% HTGC50/50100% NCBS
Portfolio after 10yr
$371.0K
Annual income
$163,422.75/yr
Blended yield
44.05%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on HTGC right now

NCBS
Analyst Ratings
2
Buy
4
Hold
Consensus: Hold
Altman Z
0.4
Piotroski
6/9
HTGC
Analyst Ratings
17
Buy
12
Hold
1
Sell
Consensus: Buy
Price Target
$18.81
+27.4% upside vs current
Range: $17.50 — $19.75
Altman Z
1.1
Piotroski
5/9
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)

NCBS buys
0
HTGC buys
0
No recent congressional trades found for NCBS or HTGC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNCBSHTGC
Forward yield2.65%12.73%
Annual dividend / share$2.00$1.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%32.5%
Portfolio after 10y$23.7K$718.3K
Annual income after 10y$315.00$326,530.50
Total dividends collected$2.9K$623.4K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy

Year-by-year: NCBS vs HTGC ($10,000, DRIP)

YearNCBS PortfolioNCBS Income/yrHTGC PortfolioHTGC Income/yrGap
1← crossover$10,965$265.43$12,667$1,686.53$1.7KHTGC
2$12,005$272.01$16,486$2,577.89$4.5KHTGC
3$13,124$278.32$22,150$4,048.82$9.0KHTGC
4$14,327$284.35$30,886$6,564.64$16.6KHTGC
5$15,620$290.11$44,958$11,045.93$29.3KHTGC
6$17,009$295.60$68,767$19,403.05$51.8KHTGC
7$18,500$300.82$111,321$35,814.23$92.8KHTGC
8$20,101$305.80$192,192$69,962.21$172.1KHTGC
9$21,818$310.52$356,787$145,759.66$335.0KHTGC
10$23,661$315.00$718,282$326,530.50$694.6KHTGC

NCBS vs HTGC: Complete Analysis 2026

NCBSStock

Nicolet Bankshares, Inc. operates as the bank holding company for Nicolet National Bank that provides banking products and services for businesses and individuals. The company accepts checking, savings, and money market accounts; various certificates of deposit; and individual retirement accounts. It also offers commercial loans, including commercial, industrial, and business loans and lines of credit; commercial real estate loans; agricultural (AG) production and AG real estate loans; commercial real estate investment real estate loans; construction and land development loans; residential real estate loans, such as residential first lien and junior lien mortgages, home equity loans, lines of credit, and residential construction loans; and consumer loans. In addition, the company provides cash management, international banking, personal brokerage, safe deposit boxes, and trust and fiduciary services, as well as wealth management and retirement plan services. Further, it offers mortgage refinancing; online services, such as commercial, retail, and trust online banking; automated bill payment, mobile banking deposits and account access, and remote deposit capture services; and other services consisting of wire transfers, debit cards, credit cards, pre-paid gift cards, direct deposits, and official bank checks, as well as facilitates crop insurance products. As of December 31, 2021, it operated 52 branches throughout Wisconsin and Michigan. The company was formerly known as Green Bay Financial Corporation and changed its name to Nicolet Bankshares, Inc. in March 2002. Nicolet Bankshares, Inc. was incorporated in 2000 and is headquartered in Green Bay, Wisconsin.

Full NCBS Calculator →

HTGCBDC

Hercules Capital, Inc. is a business development company. The firm specializing in providing venture debt, debt, senior secured loans, and growth capital to privately held venture capital-backed companies at all stages of development from startups, to expansion stage including select publicly listed companies and select special opportunity lower middle market companies that require additional capital to fund acquisitions, recapitalizations and refinancing and established-stage companies. The firm provides growth capital financing solutions for capital extension; management buy-out and corporate spin-out financing solutions; company, asset specific, or intellectual property acquisition financing; convertible, subordinated and/or mezzanine loans; domestic and international corporate expansion; vendor financing; revenue acceleration by sales and marketing development, and manufacturing expansion. It provides asset-based financing with a focus on cash flow; accounts receivable facilities; equipment loans or leases; equipment acquisition; facilities build-out and/or expansion; working capital revolving lines of credit; inventory. The firm also provides bridge financing to IPO or mergers and acquisitions or technology acquisition; dividend recapitalizations and other sources of investor liquidity; cash flow financing to protect against share price volatility; competitor acquisition; pre-IPO financing for extra cash on the balance sheet; public company financing to continue asset growth and production capacity; short-term bridge financing; and strategic and intellectual property acquisition financings. It also focuses on customized financing solutions, emerging growth, mid venture, and late venture financing. The firm invests primarily in structured debt with warrants and, to a lesser extent, in senior debt and equity investments. The firm generally seeks to invest in companies that have been operating for at least six to 12 months prior to the date of their investment. It prefers to invest in technology, energy technology, sustainable and renewable technology, and life sciences. Within technology the firm focuses on advanced specialty materials and chemicals; communication and networking, consumer and business products; consumer products and services, digital media and consumer internet; electronics and computer hardware; enterprise software and services; gaming; healthcare services; information services; business services; media, content and information; mobile; resource management; security software; semiconductors; semiconductors and hardware; and software sector. Within energy technology, it invests in agriculture; clean technology; energy and renewable technology, fuels and power technology; geothermal; smart grid and energy efficiency and monitoring technologies; solar; and wind. Within life sciences, the firm invests in biopharmaceuticals; biotechnology tools; diagnostics; drug discovery, development and delivery; medical devices and equipment; surgical devices; therapeutics; pharma services; and specialty pharmaceuticals. It also invests in educational services. The firm invests primarily in United States based companies and considers investment in the West Coast, Mid-Atlantic regions, Southeast and Midwest; particularly in the areas of software, biotech and information services. The firm prefers to invest between $10 million to $250 million in equity per transactions. It invests generally between $1 million to $40 million in companies focused primarily on business services, communications, electronics, hardware, and healthcare services. The firm invests primarily in private companies but also have investments in public companies. For equity investments, the firm seeks to represent a controlling interest in its portfolio companies which may exceed 25% of the voting securities of such companies. The firm seeks to invest a limited portion of its assets in equipment-based loans to early-stage prospective portfolio companies. These loans are generally for amounts up to $3 million but may be up to $15 million for certain energy technology venture investments. The firm allows certain debt investments have the right to convert a portion of the debt investment into equity. It also co-invests with other private equity firms. The firm seeks to exit its investments through initial public offering, a private sale of equity interest to a third party, a merger or an acquisition of the company or a purchase of the equity position by the company or one of its stockholders. The firm has structured debt with warrants which typically have maturities of between two and seven years with an average of three years; senior debt with an investment horizon of less than three years; equipment loans with an investment horizon ranging from three to four years; and equity related securities with an investment horizon ranging from three to seven years. The firm prefers to invest through its balance sheet capital. The firm formerly known as Hercules Technology Growth Capital, Inc. Hercules Capital, Inc. was founded in December 2003 and is based in Palo Alto, California with additional offices in Connecticut; Boston, Massachusetts; San Diego, California; Westport, Connecticut; Elmhurst, Illinois; Santa Monica, California; McLean, Virginia; New York, New York; Radnor, Pennsylvania; and Washington, District of Columbia and London, United Kingdom.

Full HTGC Calculator →
📬

Get this NCBS vs HTGC comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

NCBS vs SCHDNCBS vs JEPINCBS vs ONCBS vs KONCBS vs MAINNCBS vs ARCCNCBS vs GBDCNCBS vs ORCC

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.