SCMB vs BILS
Comparison between SCHWAB MUNICIPAL BOND ETF (SCMB, ETF) and STATE STREET(R) SPDR(R) BLOOMBERG 3-12 MONTH T-BILL ETF (BILS, ETF).
SCMB vs BILS - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
Net Assets
SCMB
$3.90B
BILS
$3.90B
Expense Ratio
Winner
SCMB
0.03%
BILS
0.14%
Max Drawdown
SCMB
7.77%
Winner
BILS
1.20%
Sharpe Ratio
Winner
SCMB
0.94
BILS
0.50
5Y Beta
SCMB
0.03
Winner
BILS
-0.00
SCMB vs BILS - Historical Returns
Returns include dividend reinvestment.
1M
Winner
SCMB
+1.51%
BILS
+0.29%
3M
Winner
SCMB
+1.15%
BILS
+0.88%
6M
Winner
SCMB
+1.75%
BILS
+1.70%
1Y
Winner
SCMB
+6.55%
BILS
+3.89%
5Y(CAGR)
SCMB
N/A
BILS
+3.33%
Max(CAGR)
Winner
SCMB
+5.87%
BILS
+2.89%
SCMB vs BILS - Annual Returns (2020 - 2026)
Returns include dividend reinvestment.
| Year | SCMB | BILS |
|---|---|---|
| 2026 | +1.42% | +1.53% |
| 2025 | +3.34% | +4.19% |
| 2024 | +3.66% | +5.15% |
| 2023 | +9.10% | +4.92% |
| 2022 | +3.65% | +0.91% |
| 2021 | N/A | -0.08% |
| 2020 | N/A | +0.00% |
SCMB vs BILS Drawdown Comparison
The maximum drawdown for SCMB was -4.80%, occurring on Oct 30, 2023. Recovery took 86 trading sessions.
The maximum drawdown for BILS was -0.41%, occurring on Jun 14, 2022. Recovery took 415 trading sessions.
The current SCMB drawdown is -0.48%.
| Rank | SCMB | BILS |
|---|---|---|
| #1 | -4.80% Jul 24, 2023 - Nov 22, 2023 | -0.41% Feb 5, 2021 - Sep 29, 2022 |
| #2 | -4.75% Dec 4, 2024 - Sep 11, 2025 | -0.08% Oct 6, 2022 - Oct 27, 2022 |
| #3 | -3.18% Feb 2, 2023 - Apr 4, 2023 | -0.07% Mar 17, 2023 - Mar 23, 2023 |
| #4 | -2.92% Feb 27, 2026 - Mar 24, 2026 | -0.04% Feb 1, 2024 - Feb 7, 2024 |
| #5 | -2.83% Apr 12, 2023 - Jul 19, 2023 | -0.04% Apr 5, 2023 - Apr 13, 2023 |
| #6 | -2.55% Oct 1, 2024 - Dec 3, 2024 | -0.04% Mar 13, 2023 - Mar 15, 2023 |
| #7 | -2.09% Oct 12, 2022 - Nov 10, 2022 | -0.03% Mar 2, 2023 - Mar 9, 2023 |
| #8 | -1.68% May 15, 2024 - Jun 12, 2024 | -0.03% Apr 8, 2025 - Apr 11, 2025 |
| #9 | -1.67% Mar 8, 2024 - May 15, 2024 | -0.03% Apr 13, 2023 - Apr 19, 2023 |
| #10 | -1.25% Dec 29, 2023 - Feb 1, 2024 | -0.03% Nov 10, 2022 - Nov 17, 2022 |
| #11 | -1.14% Feb 1, 2024 - Mar 7, 2024 | -0.03% Oct 28, 2025 - Oct 31, 2025 |
| #12 | -0.94% Aug 5, 2024 - Sep 4, 2024 | -0.03% Mar 24, 2023 - Mar 30, 2023 |
| #13 | -0.85% Dec 14, 2022 - Jan 6, 2023 | -0.02% Oct 9, 2020 - Feb 5, 2021 |
| #14 | -0.77% Jun 14, 2024 - Jul 3, 2024 | -0.02% Jun 16, 2026 - Jun 18, 2026 |
| #15 | -0.58% Sep 17, 2025 - Oct 10, 2025 | -0.02% Dec 17, 2024 - Dec 19, 2024 |
Correlation
Correlation between SCMB and BILS is 0.95 which considered as a very strong positive correlation - the stocks move almost identically together.
0.95
-101
Dividend Comparison (2022 - 2026)
SCMB vs BILS dividend yield comparison.
| Year | SCMB | BILS |
|---|---|---|
| 2026 | 1.45% | 1.47% |
| 2025 | 3.36% | 4.08% |
| 2024 | 5.87% | 5.01% |
| 2023 | 6.19% | 4.98% |
| 2022 | 1.18% | 1.61% |
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