CBU vs. TIP

Last updated Apr 1, 2026

Compare and contrast key facts about Community Bank System, Inc. (CBU) and iShares TIPS Bond ETF (TIP).

TIP is a passively managed fund by iShares that tracks the performance of the Barclays Capital U.S. Treasury Inflation Protected Securities (TIPS) Index (Series-L). It was launched on Dec 4, 2003.

Performance

CBU vs. TIP - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Community Bank System, Inc. (CBU) and iShares TIPS Bond ETF (TIP). The values are adjusted to include any dividend payments, if applicable.

CBU vs. TIP - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
CBU Community Bank System, Inc.	2.95%	-3.84%	22.61%	-14.17%	-13.16%	22.28%	-9.59%	24.69%	11.06%	-10.90%
TIP iShares TIPS Bond ETF	0.41%	6.77%	1.65%	3.80%	-12.26%	5.68%	10.84%	8.35%	-1.42%	2.92%

Returns By Period

In the year-to-date period, CBU achieves a 2.95% return, which is significantly higher than TIP's 0.41% return. Over the past 10 years, CBU has outperformed TIP with an annualized return of 7.30%, while TIP has yielded a comparatively lower 2.49% annualized return.

CBU

• 1D: 1.72%
• 1M: -2.34%
• YTD: 2.95%
• 6M: 1.63%
• 1Y: 6.50%
• 3Y*: 7.40%
• 5Y*: -2.37%
• 10Y*: 7.30%

TIP

• 1D: 0.01%
• 1M: -1.36%
• YTD: 0.41%
• 6M: 0.33%
• 1Y: 2.82%
• 3Y*: 2.98%
• 5Y*: 1.24%
• 10Y*: 2.49%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

CBU vs. TIP — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

CBU

CBU Risk / Return Rank: 48
CBU Sharpe Ratio Rank: 50
CBU Sortino Ratio Rank: 43
CBU Omega Ratio Rank: 42
CBU Calmar Ratio Rank: 52
CBU Martin Ratio Rank: 52

TIP

TIP Risk / Return Rank: 40
TIP Sharpe Ratio Rank: 39
TIP Sortino Ratio Rank: 35
TIP Omega Ratio Rank: 33
TIP Calmar Ratio Rank: 51
TIP Martin Ratio Rank: 39

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

CBU vs. TIP - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Community Bank System, Inc. (CBU) and iShares TIPS Bond ETF (TIP). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	CBU	TIP	Difference
Sharpe ratio Return per unit of total volatility	0.24	0.68	-0.44
Sortino ratio Return per unit of downside risk	0.54	0.95	-0.41
Omega ratio Gain probability vs. loss probability	1.07	1.12	-0.06
Calmar ratio Return relative to maximum drawdown	0.42	1.18	-0.76
Martin ratio Return relative to average drawdown	0.99	3.44	-2.45
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

CBU vs. TIP - Sharpe Ratio Comparison

The current CBU Sharpe Ratio is 0.24, which is lower than the TIP Sharpe Ratio of 0.68. The chart below compares the historical Sharpe Ratios of CBU and TIP, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	CBU	TIP	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.24	0.68	-0.44
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.08	0.20	-0.28
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.24	0.43	-0.19
Sharpe Ratio (All Time) Calculated using the full available price history	0.33	0.57	-0.24

Correlation

The correlation between CBU and TIP is -0.15. This indicates that the assets' prices tend to move in opposite directions. Negative correlation can be particularly beneficial for diversification and risk management, as one asset may offset the losses of the other during market fluctuations.

Dividends

CBU vs. TIP - Dividend Comparison

CBU's dividend yield for the trailing twelve months is around 3.19%, less than TIP's 3.45% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CBU Community Bank System, Inc.	3.19%	3.24%	2.95%	3.42%	2.76%	2.28%	2.66%	2.23%	2.47%	2.46%	2.04%	3.05%
TIP iShares TIPS Bond ETF	3.45%	3.46%	2.52%	2.73%	6.96%	4.28%	1.17%	1.75%	2.71%	2.07%	1.48%	0.34%

Drawdowns

CBU vs. TIP - Drawdown Comparison

The maximum CBU drawdown since its inception was -61.07%, which is greater than TIP's maximum drawdown of -14.57%. Use the drawdown chart below to compare losses from any high point for CBU and TIP.

Drawdown Indicators

	CBU	TIP	Difference
Max Drawdown Largest peak-to-trough decline	-61.07%	-14.57%	-46.50%
Max Drawdown (1Y) Largest decline over 1 year	-16.03%	-2.74%	-13.29%
Max Drawdown (5Y) Largest decline over 5 years	-50.47%	-14.51%	-35.96%
Max Drawdown (10Y) Largest decline over 10 years	-51.04%	-14.51%	-36.53%
Current Drawdown Current decline from peak	-16.85%	-1.36%	-15.49%
Average Drawdown Average peak-to-trough decline	-14.58%	-3.46%	-11.12%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.77%	0.94%	+5.83%

Volatility

CBU vs. TIP - Volatility Comparison

Community Bank System, Inc. (CBU) has a higher volatility of 5.38% compared to iShares TIPS Bond ETF (TIP) at 1.41%. This indicates that CBU's price experiences larger fluctuations and is considered to be riskier than TIP based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	CBU	TIP	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.38%	1.41%	+3.97%
Volatility (6M) Calculated over the trailing 6-month period	17.21%	2.35%	+14.86%
Volatility (1Y) Calculated over the trailing 1-year period	27.28%	4.17%	+23.11%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	29.60%	6.23%	+23.37%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	30.08%	5.75%	+24.33%