HomeCompareNIDB vs GBDC

NIDB vs GBDC: Dividend Comparison 2026

NIDB yields 3.30% · GBDC yields 11.86%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.83M in total portfolio value
10 years
NIDB
NIDB
● Live price
3.30%
Share price
$22.40
Annual div
$0.74
5Y div CAGR
-30.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.9K
Annual income
$8.69
Full NIDB calculator →
GBDC
GBDC
● Live price
11.86%
Share price
$12.65
Annual div
$1.50
5Y div CAGR
51.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.85M
Annual income
$16,450,733.83
Full GBDC calculator →

Portfolio growth — NIDB 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 PeriodNIDBGBDC
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, NIDB + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

NIDB
Annual income on $10K today (after 15% tax)
$280.80/yr
After 10yr DRIP, annual income (after tax)
$7.39/yr
GBDC
Annual income on $10K today (after 15% tax)
$1,007.91/yr
After 10yr DRIP, annual income (after tax)
$13,983,123.76/yr
At 15% tax rate, GBDC beats the other by $13,983,116.37/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

NIDB: 50%GBDC: 50%
100% GBDC50/50100% NIDB
Portfolio after 10yr
$10.44M
Annual income
$8,225,371.27/yr
Blended yield
78.82%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

NIDB
No analyst data
Altman Z
0.2
Piotroski
4/9
GBDC
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$14.00
+10.7% 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)

NIDB buys
0
GBDC buys
0
No recent congressional trades found for NIDB or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNIDBGBDC
Forward yield3.30%11.86%
Annual dividend / share$0.74$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-30.9%51.1%
Portfolio after 10y$20.9K$20.85M
Annual income after 10y$8.69$16,450,733.83
Total dividends collected$739.00$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearNIDB PortfolioNIDB Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$10,928$228.28$12,492$1,791.70$1.6KGBDC
2$11,854$161.10$16,527$3,160.58$4.7KGBDC
3$12,797$112.86$23,588$5,904.90$10.8KGBDC
4$13,771$78.68$37,141$11,901.65$23.4KGBDC
5$14,790$54.68$66,205$26,463.38$51.4KGBDC
6$15,863$37.92$137,452$66,612.65$121.6KGBDC
7$17,000$26.27$342,372$195,298.53$325.4KGBDC
8$18,208$18.18$1,053,292$686,954.33$1.04MGBDC
9$19,495$12.57$4,111,439$2,984,416.95$4.09MGBDC
10$20,869$8.69$20,849,974$16,450,733.83$20.83MGBDC

NIDB vs GBDC: Complete Analysis 2026

NIDBStock

Northeast Indiana Bancorp, Inc. operates as the bank holding company for First Federal Savings Bank that provides various banking and financial advisory services. The company offers various personal products, including checking accounts, savings accounts, retirement accounts, health savings accounts, and direct deposits, as well as certificates of deposit. Its loan portfolio comprises mortgage loans, such as home purchases, refinances, new construction loans, and home equity/home improvement loans; installment loans consisting of auto loans, personal loans, short term notes, and savings account loans, as well as RV, ATV, and boat loans; and commercial loans, including lines of credit, letters of credit, equipment financing, and construction loans, as well as revolving line of credit, term loans, real estate loans, and small business administration loans. The company also offers debit and credit cards, safe deposit boxes, online banking services, merchant services, and cash management services, as well as treasury management and merchant deposit capture services. In addition, it provides various financial services to individual and corporate clients, including brokerage accounts, retail funds, and wealth management products, as well as insurance products and retirement plans. As of January 28, 2022, the company operated five full-service offices in Huntington; 2 offices in Warsaw; and 2 offices in Fort Wayne, Indiana. Northeast Indiana Bancorp, Inc. was incorporated in 1995 and is headquartered in Huntington, Indiana.

Full NIDB 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.