HOIBX vs. HSCSX

Last updated Jun 23, 2026

HOIBX (Homestead Intermediate Bond Fund) and HSCSX (Homestead Small Company Stock Fund) are both mutual funds - HOIBX is a Intermediate Core Bond fund managed by Homestead, while HSCSX is a Small Cap Blend Equities fund managed by Homestead. Over the past 5 years, HOIBX returned -0.15%/yr vs 4.14%/yr for HSCSX. At a 0.07 correlation, their price movements are largely independent. HOIBX charges 0.81%/yr vs 1.06%/yr for HSCSX.

Performance

HOIBX vs. HSCSX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Homestead Intermediate Bond Fund (HOIBX) and Homestead Small Company Stock Fund (HSCSX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, HOIBX achieves a 0.20% return, which is significantly lower than HSCSX's 10.75% return.

HOIBX

• 1D: 0.22%
• 1M: 0.75%
• YTD: 0.20%
• 6M: 0.50%
• 1Y: 4.40%
• 3Y*: 3.91%
• 5Y*: -0.15%
• 10Y*: —

HSCSX

• 1D: 2.04%
• 1M: 3.72%
• YTD: 10.75%
• 6M: 8.35%
• 1Y: 22.20%
• 3Y*: 9.74%
• 5Y*: 4.14%
• 10Y*: 6.94%

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

HOIBX vs. HSCSX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
HOIBX Homestead Intermediate Bond Fund	0.20%	6.55%	1.69%	5.75%	-13.38%	-1.13%	8.70%	4.68%
HSCSX Homestead Small Company Stock Fund	10.75%	0.54%	8.52%	17.21%	-16.97%	20.38%	22.25%	1.66%

Correlation

The correlation between HOIBX and HSCSX is 0.29, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.29
Correlation (3Y) Calculated over the trailing 3-year period	0.22
Correlation (5Y) Calculated over the trailing 5-year period	0.15
Correlation (All Time) Calculated using the full available price history since May 7, 2019	0.07

Over the past year, HOIBX and HSCSX have become more correlated (0.29) than their long-term average of 0.07, meaning their price movements have been converging.

Return for Risk

HOIBX vs. HSCSX — Risk / Return Rank

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

HOIBX

HOIBX Risk / Return Rank: 17
HOIBX Sharpe Ratio Rank: 17
HOIBX Sortino Ratio Rank: 17
HOIBX Omega Ratio Rank: 18
HOIBX Calmar Ratio Rank: 18
HOIBX Martin Ratio Rank: 16

HSCSX

HSCSX Risk / Return Rank: 24
HSCSX Sharpe Ratio Rank: 19
HSCSX Sortino Ratio Rank: 21
HSCSX Omega Ratio Rank: 17
HSCSX Calmar Ratio Rank: 32
HSCSX Martin Ratio Rank: 31

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.

HOIBX vs. HSCSX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Homestead Intermediate Bond Fund (HOIBX) and Homestead Small Company Stock Fund (HSCSX). 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.

	HOIBX	HSCSX	Difference
Sharpe ratio: Return per unit of total volatility	1.11	1.16	-0.05
Sortino ratio: Return per unit of downside risk	1.63	1.78	-0.16
Omega ratio: Gain probability vs. loss probability	1.21	1.20	+0.01
Calmar ratio: Return relative to maximum drawdown	1.46	2.03	-0.57
Martin ratio: Return relative to average drawdown	3.96	6.62	-2.67

HOIBX vs. HSCSX - Sharpe Ratio Comparison

The current HOIBX Sharpe Ratio is 1.11, which is comparable to the HSCSX Sharpe Ratio of 1.16. The chart below compares the historical Sharpe Ratios of HOIBX and HSCSX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

HOIBX vs. HSCSX - Drawdown Comparison

The maximum HOIBX drawdown since its inception was -18.15%, smaller than the maximum HSCSX drawdown of -55.79%. Use the drawdown chart below to compare losses from any high point for HOIBX and HSCSX.

Drawdown Indicators

	HOIBX	HSCSX	Difference
Max Drawdown Largest peak-to-trough decline	-18.15%	-55.79%	+37.64%
Max Drawdown (1Y) Largest decline over 1 year	-3.03%	-10.95%	+7.92%
Max Drawdown (3Y) Largest decline over 3 years	-5.97%	-29.42%	+23.45%
Max Drawdown (5Y) Largest decline over 5 years	-18.15%	-29.42%	+11.27%
Max Drawdown (10Y) Largest decline over 10 years	—	-44.64%	—
Current Drawdown Current decline from peak	-2.08%	-0.00%	-2.08%
Average Drawdown Average peak-to-trough decline	-5.89%	-9.29%	+3.40%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.11%	3.35%	-2.24%

Volatility

HOIBX vs. HSCSX - Volatility Comparison

The current volatility for Homestead Intermediate Bond Fund (HOIBX) is 1.23%, while Homestead Small Company Stock Fund (HSCSX) has a volatility of 6.10%. This indicates that HOIBX experiences smaller price fluctuations and is considered to be less risky than HSCSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	HOIBX	HSCSX	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.23%	6.10%	-4.87%
Volatility (6M) Calculated over the trailing 6-month period	3.02%	13.82%	-10.80%
Volatility (1Y) Calculated over the trailing 1-year period	4.00%	19.19%	-15.19%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	5.93%	21.88%	-15.95%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	5.53%	22.45%	-16.92%

HOIBX vs. HSCSX - Expense Ratio Comparison

HOIBX has a 0.81% expense ratio, which is lower than HSCSX's 1.06% expense ratio.

Dividends

HOIBX vs. HSCSX - Dividend Comparison

HOIBX's dividend yield for the trailing twelve months is around 3.68%, less than HSCSX's 9.82% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
HOIBX Homestead Intermediate Bond Fund	3.68%	3.68%	3.68%	2.67%	2.15%	1.30%	3.02%	2.01%	0.00%	0.00%	0.00%	0.00%
HSCSX Homestead Small Company Stock Fund	9.82%	10.88%	5.42%	3.87%	5.12%	18.41%	12.67%	18.73%	26.80%	4.45%	2.43%	5.07%

Frequently Asked Questions

Can I hold both HOIBX and HSCSX in my portfolio?

HOIBX and HSCSX have a correlation of 0.29, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, HOIBX or HSCSX?

HSCSX has higher volatility (6.10%) compared to HOIBX (1.23%). In terms of maximum drawdown, HOIBX dropped -18.15% vs HSCSX's -55.79%.

Which has better risk-adjusted returns?

HSCSX currently has the higher Sharpe Ratio (1.16 vs 1.11), 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.