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SRYB vs GBDC: Dividend Comparison 2026

SRYB yields 2.87% · GBDC yields 11.86%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SRYB wins by $316.16M in total portfolio value· pulled ahead in Year 7
10 years
SRYB
SRYB
● Live price
2.87%
Share price
$16.70
Annual div
$0.48
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$337.01M
Annual income
$315,896,936.83
Full SRYB 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 — SRYB vs GBDC

📍 SRYB pulled ahead of the other in Year 7

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 PeriodSRYBGBDC
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, SRYB + GBDC cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

SRYB
Annual income on $10K today (after 15% tax)
$244.31/yr
After 10yr DRIP, annual income (after tax)
$268,512,396.31/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, SRYB beats the other by $254,529,272.55/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SRYB: 50%GBDC: 50%
100% GBDC50/50100% SRYB
Portfolio after 10yr
$178.93M
Annual income
$166,173,835.33/yr
Blended yield
92.87%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

SRYB
No analyst data
Altman Z
460.4
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)

SRYB buys
0
GBDC buys
0
No recent congressional trades found for SRYB or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSRYBGBDC
Forward yield2.87%11.86% ✓
Annual dividend / share$0.48$1.50 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓51.1%
Portfolio after 10y$337.01M ✓$20.85M
Annual income after 10y$315,896,936.83 ✓$16,450,733.83
Total dividends collected$335.43M ✓$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearSRYB PortfolioSRYB Income/yrGBDC PortfolioGBDC Income/yrGap
1$11,275$574.85$12,492$1,791.70$1.2K → GBDC
2$13,276$1,211.47$16,527$3,160.58$3.3K → GBDC
3$16,871$2,666.24$23,588$5,904.90$6.7K → GBDC
4$24,385$6,333.40$37,141$11,901.65$12.8K → GBDC
5$43,203$17,110.81$66,205$26,463.38$23.0K → GBDC
6$102,891$56,663.36$137,452$66,612.65$34.6K → GBDC
7← crossover$362,330$252,237.01$342,372$195,298.53+$20.0K → SRYB
8$2,047,979$1,660,285.75$1,053,292$686,954.33+$994.7K → SRYB
9$19,732,163$17,540,825.23$4,111,439$2,984,416.95+$15.62M → SRYB
10$337,010,351$315,896,936.83$20,849,974$16,450,733.83+$316.16M → SRYB

SRYB vs GBDC: Complete Analysis 2026

SRYB — Stock

Surrey Bancorp operates as the bank holding company for Surrey Bank & Trust that provides various banking products and services for individuals and small to medium sized businesses in Surry County, North Carolina and Patrick County, and Virginia and the surrounding area. It offers checking and savings accounts, certificates of deposit, overdrafts, and individual retirement accounts. The company also provides mortgages; real estate, consumer, and personal loans; lines of credit; commercial credit products; government-guaranteed loans; and credit cards. In addition, it offers cash management, international, merchant card, and other business services; and electronic banking and safe deposit box services. The company was founded in 2003 and is based in Mount Airy, North Carolina.

Full SRYB Calculator →

GBDC — BDC

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.