The White Rabbit

If you don't get the requirements right, it doesn't matter how well you do anything else. (Karl Wiegers)

Bond's Net Return
Calculator

Result

If you invest now 10000 $ with a coupon rate of 3% in a bond paid at a face value of 100 and sold at 103 on 12 May 2027 considering income taxes of 26% and a capital gain taxes of 26% , the net final gain would be
887 $(~2.87% CAGR)
if you didn't miss any of the full annual payments,
832 $ (~ 2.7% CAGR)
if you missed a quarter (25%) of the full annual payments,
776 $ (~ 2.52% CAGR)
if you missed half (50%) of the full annual payments,
721 $ (~ 2.34% CAGR)
if you missed 75% of the full annual payments.