CFBNX vs. WFBIX
CFBNX (Commerce Bond Fund) and WFBIX (iShares U.S. Aggregate Bond Index Fund) are both Intermediate Core Bond funds. Over the past 10 years, CFBNX returned 1.63%/yr vs 1.68%/yr for WFBIX. Their correlation of 0.91 means they have usually moved in the same direction. CFBNX charges 0.60%/yr vs 0.05%/yr for WFBIX.
Performance
CFBNX vs. WFBIX - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with CFBNX having a -0.90% return and WFBIX slightly lower at -0.91%. Both investments have delivered pretty close results over the past 10 years, with CFBNX having a 1.63% annualized return and WFBIX not far ahead at 1.68%.
CFBNX
- 1D
- -0.28%
- 1M
- -1.56%
- 6M
- -1.08%
- YTD
- -0.90%
- 1Y
- 1.47%
- 3Y*
- 3.81%
- 5Y*
- -0.42%
- 10Y*
- 1.63%
- ALL TIME*
- 4.55%
WFBIX
- 1D
- -0.22%
- 1M
- -1.55%
- 6M
- -1.01%
- YTD
- -0.91%
- 1Y
- 1.47%
- 3Y*
- 5.11%
- 5Y*
- 0.31%
- 10Y*
- 1.68%
- ALL TIME*
- 4.15%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
CFBNX Commerce Bond Fund | $0.00 | $0.00 | $0.00 |
| $0.00 | $0.00 | $0.00 |
CFBNX vs. WFBIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CFBNX Commerce Bond Fund | -0.90% | 7.12% | 1.52% | 5.97% | -13.30% | -0.56% | 7.15% | 8.97% | -0.58% | 4.55% |
WFBIX iShares U.S. Aggregate Bond Index Fund | -0.91% | 7.16% | 1.43% | 9.65% | -13.03% | -1.79% | 7.40% | 8.72% | -0.08% | 3.39% |
Correlation
The correlation between CFBNX and WFBIX is 0.97 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.97 |
Correlation (3Y) Balances recent behavior with more history. | 0.96 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.95 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.93 |
Correlation (All Time) Calculated using the full available price history since Dec 12, 1994 | 0.91 |
The correlation between CFBNX and WFBIX has been stable across timeframes, ranging from 0.91 to 0.97 - a consistent structural relationship.
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Return for Risk
CFBNX vs. WFBIX — Risk / Return Rank
CFBNX
WFBIX
CFBNX vs. WFBIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Commerce Bond Fund (CFBNX) and iShares U.S. Aggregate Bond Index Fund (WFBIX). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CFBNX | WFBIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.02 | ||
| Sortino ratioReturn per unit of downside risk | -0.03 | ||
| Omega ratioGain probability vs. loss probability | 1.10 | 1.11 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 0.76 | 0.79 | -0.03 |
| Martin ratioReturn relative to average drawdown | 1.84 | 1.91 | -0.07 |
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Drawdowns
CFBNX vs. WFBIX - Drawdown Comparison
The maximum CFBNX drawdown since its inception was -17.90%, roughly equal to the maximum WFBIX drawdown of -18.68%. Use the drawdown chart below to compare losses from any high point for CFBNX and WFBIX.
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Drawdown Indicators
| CFBNX | WFBIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -17.90% | -18.68% | +0.78% |
Max Drawdown (1Y)Largest decline over 1 year | -2.98% | -3.02% | +0.04% |
Max Drawdown (3Y)Largest decline over 3 years | -4.79% | -5.08% | +0.29% |
Max Drawdown (5Y)Largest decline over 5 years | -17.72% | -17.75% | +0.03% |
Max Drawdown (10Y)Largest decline over 10 years | -17.90% | -18.68% | +0.78% |
Current DrawdownCurrent decline from peak | -2.76% | -2.81% | +0.05% |
Average DrawdownAverage peak-to-trough decline | -2.11% | -2.26% | +0.15% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.23% | 1.25% | -0.02% |
Volatility
CFBNX vs. WFBIX - Volatility Comparison
Commerce Bond Fund (CFBNX) and iShares U.S. Aggregate Bond Index Fund (WFBIX) have volatilities of 1.00% and 1.01%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CFBNX | WFBIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.00% | 1.01% | -0.01% |
Volatility (6M)Calculated over the trailing 6-month period | 2.97% | 3.01% | -0.04% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.76% | 3.83% | -0.07% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.57% | 6.41% | -0.84% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.71% | 5.17% | -0.46% |
CFBNX vs. WFBIX - Expense Ratio Comparison
CFBNX has a 0.60% expense ratio, which is higher than WFBIX's 0.05% expense ratio.
Dividends
CFBNX vs. WFBIX - Dividend Comparison
CFBNX's dividend yield for the trailing twelve months is around 3.38%, less than WFBIX's 3.66% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CFBNX Commerce Bond Fund | 3.38% | 3.54% | 2.94% | 2.67% | 2.40% | 3.02% | 2.71% | 3.14% | 3.25% | 3.23% | 3.40% | 3.52% |
WFBIX iShares U.S. Aggregate Bond Index Fund | 3.66% | 3.78% | 3.68% | 6.82% | 2.60% | 2.04% | 2.43% | 2.88% | 2.71% | 2.24% | 2.25% | 2.20% |
Frequently Asked Questions
With a correlation of 0.97, CFBNX and WFBIX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
WFBIX has higher volatility (1.01%) compared to CFBNX (1.00%). In terms of maximum drawdown, CFBNX dropped -17.90% vs WFBIX's -18.68%.
WFBIX currently has the higher Sharpe Ratio (0.62 vs 0.61), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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