HomeCompareVBFC vs GBDC

VBFC vs GBDC: Dividend Comparison 2026

VBFC yields 0.90% · GBDC yields 11.86%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.83M in total portfolio value
10 years
VBFC
VBFC
● Live price
0.90%
Share price
$80.21
Annual div
$0.72
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.9K
Annual income
$95.15
Full VBFC 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 — VBFC 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 PeriodVBFCGBDC
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, VBFC + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VBFC
Annual income on $10K today (after 15% tax)
$76.30/yr
After 10yr DRIP, annual income (after tax)
$80.88/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 $13,983,042.88/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VBFC: 50%GBDC: 50%
100% GBDC50/50100% VBFC
Portfolio after 10yr
$10.44M
Annual income
$8,225,414.50/yr
Blended yield
78.82%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

VBFC
No analyst data
Altman Z
0.2
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)

VBFC buys
0
GBDC buys
0
No recent congressional trades found for VBFC or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVBFCGBDC
Forward yield0.90%11.86%
Annual dividend / share$0.72$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%51.1%
Portfolio after 10y$20.9K$20.85M
Annual income after 10y$95.15$16,450,733.83
Total dividends collected$927.00$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearVBFC PortfolioVBFC Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$10,790$89.76$12,492$1,791.70$1.7KGBDC
2$11,636$90.52$16,527$3,160.58$4.9KGBDC
3$12,541$91.23$23,588$5,904.90$11.0KGBDC
4$13,511$91.90$37,141$11,901.65$23.6KGBDC
5$14,549$92.52$66,205$26,463.38$51.7KGBDC
6$15,661$93.12$137,452$66,612.65$121.8KGBDC
7$16,851$93.67$342,372$195,298.53$325.5KGBDC
8$18,125$94.20$1,053,292$686,954.33$1.04MGBDC
9$19,488$94.69$4,111,439$2,984,416.95$4.09MGBDC
10$20,947$95.15$20,849,974$16,450,733.83$20.83MGBDC

VBFC vs GBDC: Complete Analysis 2026

VBFCStock

Village Bank and Trust Financial Corp. primarily operates as the bank holding company for Village Bank that provides banking and related financial services to small and medium sized businesses, professionals, and individuals. It operates in two segments, Traditional Commercial Banking and Mortgage Banking. The company accepts checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and other depository services. It also offers secured and unsecured commercial business loans for various purposes, such as funding working capital needs, business expansion, and purchase of equipment and machinery; loans for acquiring, developing, constructing, and owning commercial real estate properties; and secured and unsecured consumer loans for financing automobiles, home improvements, education, and personal investments, as well as originates mortgage loans, real estate construction loans, and acquisition loans for sale in the secondary market. In addition, the company offers online and mobile banking, and remote deposit capture services for business clients. It provides its products and services through nine full-service branch banking offices and a mortgage loan production office in Central Virginia in the counties of Chesterfield, Hanover, Henrico, Powhatan, James City, and Richmond City. The company was founded in 1999 and is headquartered in Midlothian, Virginia.

Full VBFC 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 VBFC vs GBDC comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

VBFC vs SCHDVBFC vs JEPIVBFC vs OVBFC vs KOVBFC 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.