HomeCompareUSAM vs GBDC

USAM vs GBDC: Dividend Comparison 2026

USAM yields 20000.00% · GBDC yields 11.86%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 USAM wins by $52481917574412746752.00M in total portfolio value
10 years
USAM
USAM
● Live price
20000.00%
Share price
$0.01
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$52481917574412746752.00M
Annual income
$51,970,745,957,167,775,000,000,000.00
Full USAM 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 — USAM vs GBDC

📍 USAM 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 PeriodUSAMGBDC
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, USAM + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

USAM
Annual income on $10K today (after 15% tax)
$1,700,000.00/yr
After 10yr DRIP, annual income (after tax)
$44,175,134,063,592,610,000,000,000.00/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, USAM beats the other by $44,175,134,063,592,610,000,000,000.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

USAM: 50%GBDC: 50%
100% GBDC50/50100% USAM
Portfolio after 10yr
$26240958787206373376.00M
Annual income
$25,985,372,978,583,888,000,000,000.00/yr
Blended yield
99.03%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

USAM
No analyst data
Altman Z
-6.7
Piotroski
3/9
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)

USAM buys
0
GBDC buys
0
No recent congressional trades found for USAM or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUSAMGBDC
Forward yield20000.00%11.86%
Annual dividend / share$2.00$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%51.1%
Portfolio after 10y$52481917574412746752.00M$20.85M
Annual income after 10y$51,970,745,957,167,775,000,000,000.00$16,450,733.83
Total dividends collected$52448189483771600896.00M$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearUSAM PortfolioUSAM Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$2,010,700$2,000,000.00$12,492$1,791.70+$2.00MUSAM
2$377,983,225$375,831,775.70$16,527$3,160.58+$377.97MUSAM
3$66,433,479,469$66,029,037,418.28$23,588$5,904.90+$66433.46MUSAM
4$10,916,985,471,987$10,845,901,648,955.73$37,141$11,901.65+$10916985.43MUSAM
5$1,677,384,363,769,318$1,665,703,189,314,291.80$66,205$26,463.38+$1677384363.70MUSAM
6$240,985,175,079,139,100$239,190,373,809,905,920.00$137,452$66,612.65+$240985175079.00MUSAM
7$32,373,573,631,143,694,000$32,115,719,493,809,017,000.00$342,372$195,298.53+$32373573631143.35MUSAM
8$4,066,766,648,320,630,000,000$4,032,126,924,535,306,000,000.00$1,053,292$686,954.33+$4066766648320629.00MUSAM
9$477,730,483,406,513,300,000,000$473,379,043,092,810,300,000,000.00$4,111,439$2,984,416.95+$477730483406513344.00MUSAM
10$52,481,917,574,412,750,000,000,000$51,970,745,957,167,775,000,000,000.00$20,849,974$16,450,733.83+$52481917574412746752.00MUSAM

USAM vs GBDC: Complete Analysis 2026

USAMStock

U.S. Automotive Manufacturing, Inc. manufactures new and rebuilt automotive friction products. The company's line of friction automotive products include brake lining, integrally molded and riveted brake pads, and remanufactured brake shoes. Brake pads, brake shoes or a combination of both are incorporated in all makes and models of American and imported automobiles. It markets various grades of friction lining, asbestos, non-asbestos organic, and semi-metallic formulas, suitable for use by the automotive and light truck after-markets. It generally produces the replacement brakes under the same process used to manufacture the vehicle's original equipment. The company sells its products to wholesale and retail automotive distributors, mass merchandisers, chain stores, and to other brake manufacturers in the United States and in 11 foreign countries. U.S. Automotive Manufacturing, Inc. was founded in 1992 and is based in Sanford, Florida.

Full USAM 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.