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UCBIO vs GBDC: Dividend Comparison 2026

UCBIO yields 7.20% · GBDC yields 11.86%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.68M in total portfolio value
10 years
UCBIO
UCBIO
● Live price
7.20%
Share price
$23.88
Annual div
$1.72
5Y div CAGR
30.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$167.7K
Annual income
$56,544.42
Full UCBIO 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 — UCBIO 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 PeriodUCBIOGBDC
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, UCBIO + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UCBIO
Annual income on $10K today (after 15% tax)
$612.23/yr
After 10yr DRIP, annual income (after tax)
$48,062.76/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 $13,935,061.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UCBIO: 50%GBDC: 50%
100% GBDC50/50100% UCBIO
Portfolio after 10yr
$10.51M
Annual income
$8,253,639.13/yr
Blended yield
78.54%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

UCBIO
Analyst Ratings
2
Buy
8
Hold
Consensus: Hold
Altman Z
0.4
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)

UCBIO buys
0
GBDC buys
0
No recent congressional trades found for UCBIO or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUCBIOGBDC
Forward yield7.20%11.86%
Annual dividend / share$1.72$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.1%51.1%
Portfolio after 10y$167.7K$20.85M
Annual income after 10y$56,544.42$16,450,733.83
Total dividends collected$133.0K$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy

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

YearUCBIO PortfolioUCBIO Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$11,637$937.07$12,492$1,791.70$855.00GBDC
2$13,778$1,325.89$16,527$3,160.58$2.7KGBDC
3$16,651$1,908.67$23,588$5,904.90$6.9KGBDC
4$20,621$2,804.68$37,141$11,901.65$16.5KGBDC
5$26,288$4,223.31$66,205$26,463.38$39.9KGBDC
6$34,674$6,546.22$137,452$66,612.65$102.8KGBDC
7$47,600$10,498.73$342,372$195,298.53$294.8KGBDC
8$68,456$17,523.96$1,053,292$686,954.33$984.8KGBDC
9$103,891$30,642.93$4,111,439$2,984,416.95$4.01MGBDC
10$167,707$56,544.42$20,849,974$16,450,733.83$20.68MGBDC

UCBIO vs GBDC: Complete Analysis 2026

UCBIOStock

United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, the company offers reinsurance on a property insurance contract; insurance agency services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.

Full UCBIO 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.