HomeCompareSEBC vs GBDC

SEBC vs GBDC: Dividend Comparison 2026

SEBC yields 3.05% · GBDC yields 11.85%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.67M in total portfolio value
10 years
SEBC
SEBC
● Live price
3.05%
Share price
$28.55
Annual div
$0.87
5Y div CAGR
41.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$107.8K
Annual income
$36,214.86
Full SEBC 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 — SEBC 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 PeriodSEBCGBDC
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, SEBC + GBDC cover 0 of 12 monthsgood coverage

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

SEBC
Annual income on $10K today (after 15% tax)
$259.02/yr
After 10yr DRIP, annual income (after tax)
$30,782.63/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 $13,900,091.27/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

SEBC: 50%GBDC: 50%
100% GBDC50/50100% SEBC
Portfolio after 10yr
$10.44M
Annual income
$8,212,739.13/yr
Blended yield
78.65%
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Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

SEBC
No analyst data
Altman Z
0.4
Piotroski
4/9
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)

SEBC buys
0
GBDC buys
0
No recent congressional trades found for SEBC or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSEBCGBDC
Forward yield3.05%11.85%
Annual dividend / share$0.87$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR41.7%51.1%
Portfolio after 10y$107.8K$20.78M
Annual income after 10y$36,214.86$16,389,263.41
Total dividends collected$80.0K$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearSEBC PortfolioSEBC Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$11,132$431.80$12,490$1,790.28$1.4KGBDC
2$12,548$636.55$16,522$3,157.73$4.0KGBDC
3$14,376$950.20$23,578$5,898.68$9.2KGBDC
4$16,824$1,441.73$37,115$11,886.75$20.3KGBDC
5$20,236$2,234.40$66,136$26,423.57$45.9KGBDC
6$25,212$3,559.13$137,257$66,491.44$112.0KGBDC
7$32,849$5,872.26$341,734$194,868.54$308.9KGBDC
8$45,281$10,132.29$1,050,788$685,133.02$1.01MGBDC
9$66,947$18,496.31$4,099,314$2,974,971.01$4.03MGBDC
10$107,848$36,214.86$20,775,530$16,389,263.41$20.67MGBDC

SEBC vs GBDC: Complete Analysis 2026

SEBCStock

Southeastern Banking Corporation operates as a bank holding company for Southeastern Bank that provides commercial and consumer banking products and services in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit. It also provides home, construction, personal, auto, boat and recreational vehicle, business term, equipment, and small business administration loans; home equity loans and lines, and operating lines of credit; commercial real estate and residential real estate–mortgage loans, as well as other commercial, financial, and agricultural loans; and debit and credit cards. In addition, the company offers business cash management and overdraft protection services, as well as online and mobile banking, bill payment, and e-statement services. It operates through 10 branch locations and ATM networks in southeast Georgia and northeast Florida. The company was founded in 1888 and is headquartered in Darien, Georgia.

Full SEBC 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.