Schwab California Tax Free Fund Manager Performance Evaluation

SWCAX Fund  USD 11.23  0.02  0.18%   
The entity has a beta of -0.0039, which indicates not very significant fluctuations relative to the market. As returns on the market increase, returns on owning Schwab California are expected to decrease at a much lower rate. During the bear market, Schwab California is likely to outperform the market.

Risk-Adjusted Performance

Solid

 
Weak
 
Strong
Compared to the overall equity markets, risk-adjusted returns on investments in Schwab California Tax Free are ranked lower than 24 (%) of all funds and portfolios of funds over the last 90 days. In spite of fairly strong basic indicators, Schwab California is not utilizing all of its potentials. The latest stock price disturbance, may contribute to short-term losses for the investors.
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Is SWCAX a Strong Bond Fund Right Now - Yahoo Finance
12/29/2025
Expense Ratio Date22nd of December 2025
Expense Ratio0.3800
  

Schwab California Relative Risk vs. Return Landscape

If you would invest  1,103  in Schwab California Tax Free on November 19, 2025 and sell it today you would earn a total of  20.00  from holding Schwab California Tax Free or generate 1.81% return on investment over 90 days. Schwab California Tax Free is currently producing 0.03% returns and takes up 0.0962% volatility of returns over 90 trading days. Put another way, 0% of traded mutual funds are less volatile than Schwab, and 99% of all traded equity instruments are likely to generate higher returns over the next 90 trading days.
  Expected Return   
       Risk  
Assuming the 90 days horizon Schwab California is expected to generate 4.0 times less return on investment than the market. But when comparing it to its historical volatility, the company is 7.92 times less risky than the market. It trades about 0.31 of its potential returns per unit of risk. The Dow Jones Industrial is currently generating roughly 0.16 of returns per unit of risk over similar time horizon.

Schwab California Current Valuation

Overvalued
Today
11.23
Please note that Schwab California's price fluctuation is very steady at this time. At this time, the fund appears to be overvalued. Schwab California Tax has a current Real Value of $10.31 per share. The regular price of the fund is $11.23. We determine the value of Schwab California Tax from inspecting fund fundamentals and technical indicators as well as its Probability Of Bankruptcy. In general, we recommend acquiring undervalued mutual funds and dropping overvalued mutual funds since, at some point, mutual fund prices and their ongoing real values will draw towards each other.
Since Schwab California is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Schwab Mutual Fund. However, Schwab California's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  11.23 Real  10.31 Hype  11.23
The intrinsic value of Schwab California's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Schwab California's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
10.31
Real Value
12.35
Upside
Estimating the potential upside or downside of Schwab California Tax Free helps investors to forecast how Schwab mutual fund's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Schwab California more accurately as focusing exclusively on Schwab California's fundamentals will not take into account other important factors:
Hype
Prediction
LowEstimatedHigh
11.1311.2311.33
Details
Below is the normalized historical share price chart for Schwab California Tax Free extending back to April 28, 1992. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of Schwab California stands at 11.23, as last reported on the 17th of February 2026, with the highest price reaching 11.23 and the lowest price hitting 11.23 during the day.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes

Schwab California Target Price Odds to finish over Current Price

The tendency of Schwab Mutual Fund price to converge on an average value over time is a known aspect in finance that investors have used since the beginning of the stock market for forecasting. However, many studies suggest that some traded equity instruments are consistently mispriced before traders' demand and supply correct the spread. One possible conclusion to this anomaly is that these stocks have additional risk, for which investors demand compensation in the form of extra returns.
Current PriceHorizonTarget PriceOdds to move above the current price in 90 days
 11.23 90 days 11.23 
about 1.45
Based on a normal probability distribution, the odds of Schwab California to move above the current price in 90 days from now is about 1.45 (This Schwab California Tax Free probability density function shows the probability of Schwab Mutual Fund to fall within a particular range of prices over 90 days) .
Assuming the 90 days horizon Schwab California Tax Free has a beta of -0.0039. This usually implies as returns on the benchmark increase, returns on holding Schwab California are expected to decrease at a much lower rate. During a bear market, however, Schwab California Tax Free is likely to outperform the market. Additionally Schwab California Tax Free has an alpha of 0.0175, implying that it can generate a 0.0175 percent excess return over Dow Jones Industrial after adjusting for the inherited market risk (beta).
   Schwab California Price Density   
       Price  

Predictive Modules for Schwab California

There are currently many different techniques concerning forecasting the market as a whole, as well as predicting future values of individual securities such as Schwab California Tax. Regardless of method or technology, however, to accurately forecast the mutual fund market is more a matter of luck rather than a particular technique. Nevertheless, trying to predict the mutual fund market accurately is still an essential part of the overall investment decision process. Using different forecasting techniques and comparing the results might improve your chances of accuracy even though unexpected events may often change the market sentiment and impact your forecasting results.
Hype
Prediction
LowEstimatedHigh
11.1311.2311.33
Details
Intrinsic
Valuation
LowRealHigh
10.2110.3112.35
Details
Please note, it is not enough to conduct a financial or market analysis of a single entity such as Schwab California. Your research has to be compared to or analyzed against Schwab California's peers to derive any actionable benefits. When done correctly, Schwab California's competitive analysis will give you plenty of quantitative and qualitative data to validate your investment decisions or develop an entirely new strategy toward taking a position in Schwab California Tax.

Schwab California Risk Indicators

For the most part, the last 10-20 years have been a very volatile time for the stock market. Schwab California is not an exception. The market had few large corrections towards the Schwab California's value, including both sudden drops in prices as well as massive rallies. These swings have made and broken many portfolios. An investor can limit the violent swings in their portfolio by implementing a hedging strategy designed to limit downside losses. If you hold Schwab California Tax Free, one way to have your portfolio be protected is to always look up for changing volatility and market elasticity of Schwab California within the framework of very fundamental risk indicators.
α
Alpha over Dow Jones
0.02
β
Beta against Dow Jones-0.0039
σ
Overall volatility
0.06
Ir
Information ratio -0.46

Schwab California Alerts and Suggestions

In today's market, stock alerts give investors the competitive edge they need to time the market and increase returns. Checking the ongoing alerts of Schwab California for significant developments is a great way to find new opportunities for your next move. Suggestions and notifications for Schwab California Tax can help investors quickly react to important events or material changes in technical or fundamental conditions and significant headlines that can affect investment decisions.
The fund maintains about 99.82% of its assets in bonds

Schwab California Fundamentals Growth

Schwab Mutual Fund prices reflect investors' perceptions of the future prospects and financial health of Schwab California, and Schwab California fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on Schwab Mutual Fund performance.
Total Asset552.61 M

About Schwab California Performance

Evaluating Schwab California's performance through its fundamental ratios, provides valuable insights into its operational efficiency and profitability. For instance, if Schwab California has a high ROA and ROE, it suggests that the company is efficiently using its assets and equity to generate substantial profits, making it an attractive investment. Conversely, if Schwab California has a low ROA and ROE, it may indicate underlying issues in asset and equity management, signaling a need for operational improvements. Please also refer to our technical analysis and fundamental analysis pages.
To pursue its goal, the fund primarily invests in investment-grade municipal securities - those in the four highest credit rating categories from California issuers. The fund normally invests at least 80 percent of its net assets in municipal securities the interest from which is exempt from federal and California personal income tax and federal alternative minimum tax.

Things to note about Schwab California Tax performance evaluation

Checking the ongoing alerts about Schwab California for important developments is a great way to find new opportunities for your next move. Mutual Fund alerts and notifications screener for Schwab California Tax help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.
The fund maintains about 99.82% of its assets in bonds
Evaluating Schwab California's performance can involve analyzing a variety of financial metrics and factors. Some of the key considerations to evaluate Schwab California's mutual fund performance include:
  • Analyzing Schwab California's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
  • Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether Schwab California's stock is overvalued or undervalued compared to its peers.
  • Examining Schwab California's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
  • Evaluating Schwab California's management team can have a significant impact on its success or failure. Reviewing the track record and experience of Schwab California's management team can help you assess the Mutual Fund's leadership.
  • Pay attention to analyst opinions and ratings of Schwab California's mutual fund. These opinions can provide insight into Schwab California's potential for growth and whether the stock is currently undervalued or overvalued.
It's essential to remember that evaluating Schwab California's mutual fund performance is not an exact science, and many factors can impact Schwab California's mutual fund market price. Therefore, it's also important to diversify your portfolio and not rely solely on one company or stock for your investments.

Other Information on Investing in Schwab Mutual Fund

Schwab California financial ratios help investors to determine whether Schwab Mutual Fund is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Schwab with respect to the benefits of owning Schwab California security.
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