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SCZC vs GBDC: Dividend Comparison 2026

SCZC yields 0.94% · GBDC yields 11.85%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $17.03M in total portfolio value
10 years
SCZC
SCZC
● Live price
0.94%
Share price
$41.44
Annual div
$0.39
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$3.74M
Annual income
$3,107,431.86
Full SCZC 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 — SCZC 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 PeriodSCZCGBDC
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, SCZC + GBDC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SCZC 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.

SCZC
Annual income on $10K today (after 15% tax)
$80.00/yr
After 10yr DRIP, annual income (after tax)
$2,641,317.08/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 $11,289,556.82/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SCZC: 50%GBDC: 50%
100% GBDC50/50100% SCZC
Portfolio after 10yr
$12.26M
Annual income
$9,748,347.63/yr
Blended yield
79.52%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

SCZC
No analyst data
Altman Z
0.3
Piotroski
3/9
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SCZC buys
0
GBDC buys
0
No recent congressional trades found for SCZC or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCZCGBDC
Forward yield0.94%11.85%
Annual dividend / share$0.39$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%51.1%
Portfolio after 10y$3.74M$20.78M
Annual income after 10y$3,107,431.86$16,389,263.41
Total dividends collected$3.67M$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearSCZC PortfolioSCZC Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$10,888$188.24$12,490$1,790.28$1.6KGBDC
2$12,034$383.11$16,522$3,157.73$4.5KGBDC
3$13,667$791.42$23,578$5,898.68$9.9KGBDC
4$16,304$1,680.13$37,115$11,886.75$20.8KGBDC
5$21,192$3,746.32$66,136$26,423.57$44.9KGBDC
6$31,777$9,101.65$137,257$66,491.44$105.5KGBDC
7$59,511$25,509.97$341,734$194,868.54$282.2KGBDC
8$152,975$89,298.48$1,050,788$685,133.02$897.8KGBDC
9$592,739$429,055.47$4,099,314$2,974,971.01$3.51MGBDC
10$3,741,663$3,107,431.86$20,775,530$16,389,263.41$17.03MGBDC

SCZC vs GBDC: Complete Analysis 2026

SCZCStock

Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses. The company's deposit products include checking, savings, term certificate, money market, and health savings accounts; and IRAs and certificate of deposits. It also offers lending products comprising commercial, multi-family, agricultural, construction, wine industry, venture banking, small business administration, business and industry, farm services agency, municipal, government guarantee, and installment loans, as well as loans supported by single-family residential real estate, commercial real estate financing, and lines of credit. In addition, the company provides debit and credit cards, merchant, online and mobile banking, remote electronic deposit, bill payment, treasury management, and cash management services. It operates through seven full-service offices located in Aptos, Capitola, Cupertino, Monterey, Santa Cruz, Scotts Valley, and Watsonville; and two ATMs and night depository kiosks. Santa Cruz County Bank was incorporated in 2003 and is based in Santa Cruz, California.

Full SCZC 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.