HomeCompareSTXB vs GBDC

STXB vs GBDC: Dividend Comparison 2026

STXB yields 2.74% · GBDC yields 11.85%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.75M in total portfolio value
10 years
STXB
STXB
● Live price
2.74%
Share price
$25.55
Annual div
$0.70
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.8K
Annual income
$326.92
Full STXB 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 — STXB 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 PeriodSTXBGBDC
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, STXB + GBDC cover 0 of 12 monthsgood coverage

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

STXB
Annual income on $10K today (after 15% tax)
$232.88/yr
After 10yr DRIP, annual income (after tax)
$277.88/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 $13,930,596.02/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

STXB: 50%GBDC: 50%
100% GBDC50/50100% STXB
Portfolio after 10yr
$10.40M
Annual income
$8,194,795.16/yr
Blended yield
78.80%
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Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

STXB
No analyst data
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

STXB buys
0
GBDC buys
2
PoliticianChamberTickerTypeAmountDate
David P. Joyce🏢 House$GBDC▼ Sell$1,001 - $15,0002023-06-30
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002023-06-19
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002022-07-14
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002022-07-12
Teresa Leger Fernandez🏢 House$GBDC▼ Sell$15,001 - $50,0002021-01-20
David P. Joyce🏢 House$GBDC▲ Buy$1,001 - $15,0002020-02-25
David P. Joyce🏢 House$GBDC▲ Buy$15,001 - $50,0002019-05-30
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSTXBGBDC
Forward yield2.74%11.85%
Annual dividend / share$0.70$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%51.1%
Portfolio after 10y$23.8K$20.78M
Annual income after 10y$326.92$16,389,263.41
Total dividends collected$3.0K$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearSTXB PortfolioSTXB Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$10,974$273.97$12,490$1,790.28$1.5KGBDC
2$12,023$280.99$16,522$3,157.73$4.5KGBDC
3$13,152$287.71$23,578$5,898.68$10.4KGBDC
4$14,367$294.15$37,115$11,886.75$22.7KGBDC
5$15,673$300.29$66,136$26,423.57$50.5KGBDC
6$17,077$306.16$137,257$66,491.44$120.2KGBDC
7$18,584$311.75$341,734$194,868.54$323.1KGBDC
8$20,202$317.07$1,050,788$685,133.02$1.03MGBDC
9$21,938$322.12$4,099,314$2,974,971.01$4.08MGBDC
10$23,800$326.92$20,775,530$16,389,263.41$20.75MGBDC

STXB vs GBDC: Complete Analysis 2026

STXBStock

Spirit of Texas Bancshares, Inc. operates as the bank holding company for Spirit of Texas Bank SSB that provides various commercial and retail banking services. It offers checking, money market, savings, and individual retirement accounts, as well as various certificates of deposit. The company also provides commercial and industrial loans; 1-4 single family residential real estate loans; construction, land, and development loans; commercial real estate loans, such as owner and nonowner-occupied commercial real estate loans, multifamily loans, and farmland loans; consumer loans and leases; and municipal and other loans. In addition, it offers a range of ancillary banking services, including treasury management services, consumer and commercial online banking services, mobile applications, safe deposit boxes, wire transfer services, debit cards, and ATM access. Further, it provides credit card processing and co-branded credit card services; and invests in U.S. Treasury bills and notes, as well as in securities of federally sponsored agencies, such as Federal Home Loan Bank bonds. As of February 26, 2022, it had 35 locations in the Houston, Dallas/Fort Worth, Bryan/College Station, Austin, San Antonio-New Braunfels, Corpus Christi, Austin, and Tyler metropolitan areas, as well as offices in North Central and South Texas. The company serves individuals, professionals, small and medium-sized businesses, and commercial companies. Spirit of Texas Bancshares, Inc. was incorporated in 2008 and is headquartered in Conroe, Texas.

Full STXB 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.