HomeCompareSOMC vs GBDC

SOMC vs GBDC: Dividend Comparison 2026

SOMC yields 2.51% · GBDC yields 11.86%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.79M in total portfolio value
10 years
SOMC
SOMC
● Live price
2.51%
Share price
$25.50
Annual div
$0.64
5Y div CAGR
36.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$59.5K
Annual income
$13,089.10
Full SOMC 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 — SOMC 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 PeriodSOMCGBDC
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, SOMC + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SOMC
Annual income on $10K today (after 15% tax)
$213.33/yr
After 10yr DRIP, annual income (after tax)
$11,125.74/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 $13,971,998.02/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SOMC: 50%GBDC: 50%
100% GBDC50/50100% SOMC
Portfolio after 10yr
$10.45M
Annual income
$8,231,911.47/yr
Blended yield
78.74%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

SOMC
No analyst data
Altman Z
0.3
Piotroski
5/9
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)

SOMC buys
0
GBDC buys
0
No recent congressional trades found for SOMC or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSOMCGBDC
Forward yield2.51%11.86%
Annual dividend / share$0.64$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR36.3%51.1%
Portfolio after 10y$59.5K$20.85M
Annual income after 10y$13,089.10$16,450,733.83
Total dividends collected$35.0K$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearSOMC PortfolioSOMC Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$11,042$342.09$12,492$1,791.70$1.4KGBDC
2$12,296$481.17$16,527$3,160.58$4.2KGBDC
3$13,839$682.54$23,588$5,904.90$9.7KGBDC
4$15,787$978.57$37,141$11,901.65$21.4KGBDC
5$18,314$1,421.93$66,205$26,463.38$47.9KGBDC
6$21,697$2,101.24$137,452$66,612.65$115.8KGBDC
7$26,387$3,171.09$342,372$195,298.53$316.0KGBDC
8$33,147$4,912.57$1,053,292$686,954.33$1.02MGBDC
9$43,328$7,860.87$4,111,439$2,984,416.95$4.07MGBDC
10$59,450$13,089.10$20,849,974$16,450,733.83$20.79MGBDC

SOMC vs GBDC: Complete Analysis 2026

SOMCStock

Southern Michigan Bancorp, Inc. operates as the bank holding company for Southern Michigan Bank & Trust that provides a range of commercial banking services to individuals, businesses, institutions, and governmental agencies primarily in the southwest Michigan communities. Its deposit products include interest and non-interest checking, savings, and various types of money market accounts; time, savings, and demand deposits; and certificates of deposit and IRAs. The company also provides home mortgages and equity loans, home equity line of credit, and auto/personal loans; business loans, such as lines of credit, term loans, commercial real estate loans, commercial and industrial loans, agriculture loans, letters of credit, small business administration loans, and capital access loans; industrial, construction, real estate, and inventory loans; and consumer lending products comprising direct and indirect loans to purchasers of residential real property and consumer goods. In addition, it offers trust and investment services that include investment management, trustee, IRA rollovers and retirement plan, institutional and personal custody, estate settlement, wealth management, estate and wealth transfer planning assistance, charitable gift planning assistance, and cash management custody services; and safe deposit box and automated teller machine services. Further, the company provides online and mobile banking, bill pay, e-statements, health savings account, ACH, wire transfer, remote deposit capture, insurance, and merchant services, as well as ATM, debit, credit, and gift cards. As of March 23, 2022, it operated 13 branches within Branch, Calhoun, Hillsdale, Kalamazoo, and St. Joseph Counties. The company was founded in 1871 and is based in Coldwater, Michigan.

Full SOMC 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.