HomeCompareTCFC vs GBDC

TCFC vs GBDC: Dividend Comparison 2026

TCFC yields 2.58% · GBDC yields 11.86%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $19.12M in total portfolio value
10 years
TCFC
TCFC
● Live price
2.58%
Share price
$27.09
Annual div
$0.70
5Y div CAGR
70.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.73M
Annual income
$1,260,350.72
Full TCFC 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 — TCFC vs GBDC

📍 GBDC pulled ahead of the other in Year 1

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 PeriodTCFCGBDC
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, TCFC + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

TCFC
Annual income on $10K today (after 15% tax)
$219.64/yr
After 10yr DRIP, annual income (after tax)
$1,071,298.11/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 $12,911,825.64/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TCFC: 50%GBDC: 50%
100% GBDC50/50100% TCFC
Portfolio after 10yr
$11.29M
Annual income
$8,855,542.28/yr
Blended yield
78.44%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

TCFC
Analyst Ratings
1
Buy
2
Hold
Consensus: Hold
Altman Z
0.5
Piotroski
7/9
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)

TCFC buys
0
GBDC buys
0
No recent congressional trades found for TCFC or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTCFCGBDC
Forward yield2.58%11.86%
Annual dividend / share$0.70$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR70.3%51.1%
Portfolio after 10y$1.73M$20.85M
Annual income after 10y$1,260,350.72$16,450,733.83
Total dividends collected$1.66M$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy

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

YearTCFC PortfolioTCFC Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$11,140$440.05$12,492$1,791.70$1.4KGBDC
2$12,700$780.23$16,527$3,160.58$3.8KGBDC
3$15,005$1,415.70$23,588$5,904.90$8.6KGBDC
4$18,717$2,662.11$37,141$11,901.65$18.4KGBDC
5$25,313$5,285.29$66,205$26,463.38$40.9KGBDC
6$38,461$11,376.20$137,452$66,612.65$99.0KGBDC
7$68,664$27,511.07$342,372$195,298.53$273.7KGBDC
8$151,642$78,171.76$1,053,292$686,954.33$901.6KGBDC
9$437,029$274,771.27$4,111,439$2,984,416.95$3.67MGBDC
10$1,727,971$1,260,350.72$20,849,974$16,450,733.83$19.12MGBDC

TCFC vs GBDC: Complete Analysis 2026

TCFCStock

The Community Financial Corporation operates as the bank holding company for Community Bank of the Chesapeake that provides commercial and retail banking services to individuals and businesses. The company offers demand, savings, money market, and time deposit accounts, as well as certificates of deposit; and commercial real estate and other non-residential real estate, residential first mortgage, residential rental mortgage, construction and land development, home equity and second mortgage, commercial, consumer, and commercial equipment loans. It also provides safe deposit box, night depository, cash vault, automated clearinghouse transaction, wire transfer, automated teller machine (ATM), online and telephone banking, retail and business mobile banking, remote deposit capture, reciprocal deposit, merchant card, credit monitoring, investment, positive pay, payroll, account reconciliation, bill pay, credit card, and lockbox services. As of December 31, 2021, it operated 11 full services branches in Waldorf, Bryans Road, Dunkirk, Leonardtown, La Plata, Charlotte Hall, Prince Frederick, Lusby, and California, Maryland, as well as Fredericksburg, Virginia; 4 loan production offices in La Plata, Prince Frederick, and Leonardtown, Maryland, as well as Fredericksburg, Virginia; and 14 ATMs. The company was formerly known as Tri-County Financial Corporation and changed its name to The Community Financial Corporation in October 2013. The Community Financial Corporation was founded in 1950 and is headquartered in Waldorf, Maryland.

Full TCFC 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 →
📬

Get this TCFC vs GBDC comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

TCFC vs SCHDTCFC vs JEPITCFC vs OTCFC vs KOTCFC vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.