CFSTX vs. FUMBX
Compare and contrast key facts about Commerce Short Term Government Fund (CFSTX) and Fidelity Short-Term Treasury Bond Index Fund (FUMBX).
CFSTX is managed by Commerce. It was launched on Dec 11, 1994. FUMBX is a passively managed fund by Fidelity that tracks the performance of the Bloomberg Barclays 1-5 Year U.S. Treasury Index. It was launched on Dec 20, 2005.
Performance
CFSTX vs. FUMBX - Performance Comparison
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CFSTX vs. FUMBX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CFSTX Commerce Short Term Government Fund | 0.04% | 5.25% | 3.12% | 4.28% | -6.59% | -1.19% | 3.09% | 3.56% | 1.01% | -0.10% |
FUMBX Fidelity Short-Term Treasury Bond Index Fund | -0.10% | 5.83% | 3.25% | 4.47% | -5.84% | -1.38% | 4.22% | 4.19% | 1.47% | -0.33% |
Returns By Period
In the year-to-date period, CFSTX achieves a 0.04% return, which is significantly higher than FUMBX's -0.10% return.
CFSTX
- 1D
- 0.06%
- 1M
- -0.73%
- YTD
- 0.04%
- 6M
- 0.97%
- 1Y
- 3.40%
- 3Y*
- 3.69%
- 5Y*
- 0.96%
- 10Y*
- 1.27%
FUMBX
- 1D
- 0.10%
- 1M
- -0.77%
- YTD
- -0.10%
- 6M
- 0.85%
- 1Y
- 3.55%
- 3Y*
- 3.80%
- 5Y*
- 1.31%
- 10Y*
- —
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CFSTX vs. FUMBX - Expense Ratio Comparison
CFSTX has a 0.68% expense ratio, which is higher than FUMBX's 0.03% expense ratio.
Return for Risk
CFSTX vs. FUMBX — Risk / Return Rank
CFSTX
FUMBX
CFSTX vs. FUMBX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Commerce Short Term Government Fund (CFSTX) and Fidelity Short-Term Treasury Bond Index Fund (FUMBX). 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.
| CFSTX | FUMBX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.90 | 1.55 | +0.35 |
Sortino ratioReturn per unit of downside risk | 3.00 | 2.43 | +0.58 |
Omega ratioGain probability vs. loss probability | 1.37 | 1.33 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 2.79 | 2.52 | +0.27 |
Martin ratioReturn relative to average drawdown | 11.07 | 8.74 | +2.33 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| CFSTX | FUMBX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.90 | 1.55 | +0.35 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.42 | 0.45 | -0.04 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.65 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.14 | 0.73 | +0.41 |
Correlation
The correlation between CFSTX and FUMBX is 0.85, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
CFSTX vs. FUMBX - Dividend Comparison
CFSTX's dividend yield for the trailing twelve months is around 2.17%, less than FUMBX's 3.41% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CFSTX Commerce Short Term Government Fund | 2.17% | 2.26% | 1.62% | 2.05% | 1.30% | 1.53% | 1.99% | 2.44% | 1.94% | 1.61% | 1.69% | 1.40% |
FUMBX Fidelity Short-Term Treasury Bond Index Fund | 3.41% | 3.51% | 2.91% | 1.64% | 0.86% | 1.15% | 1.41% | 1.88% | 1.64% | 0.34% | 0.00% | 0.00% |
Drawdowns
CFSTX vs. FUMBX - Drawdown Comparison
The maximum CFSTX drawdown since its inception was -9.02%, roughly equal to the maximum FUMBX drawdown of -8.83%. Use the drawdown chart below to compare losses from any high point for CFSTX and FUMBX.
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Drawdown Indicators
| CFSTX | FUMBX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -9.02% | -8.83% | -0.19% |
Max Drawdown (1Y)Largest decline over 1 year | -1.33% | -1.54% | +0.21% |
Max Drawdown (5Y)Largest decline over 5 years | -9.02% | -8.60% | -0.42% |
Max Drawdown (10Y)Largest decline over 10 years | -9.02% | — | — |
Current DrawdownCurrent decline from peak | -0.97% | -1.06% | +0.09% |
Average DrawdownAverage peak-to-trough decline | -0.97% | -1.88% | +0.91% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.33% | 0.44% | -0.11% |
Volatility
CFSTX vs. FUMBX - Volatility Comparison
The current volatility for Commerce Short Term Government Fund (CFSTX) is 0.60%, while Fidelity Short-Term Treasury Bond Index Fund (FUMBX) has a volatility of 0.74%. This indicates that CFSTX experiences smaller price fluctuations and is considered to be less risky than FUMBX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CFSTX | FUMBX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 0.60% | 0.74% | -0.14% |
Volatility (6M)Calculated over the trailing 6-month period | 1.19% | 1.37% | -0.18% |
Volatility (1Y)Calculated over the trailing 1-year period | 1.84% | 2.32% | -0.48% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 2.31% | 2.89% | -0.58% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 1.95% | 2.49% | -0.54% |