Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
KRE vs XLF: how they differ
KRE and XLF hold 2% of their weight in the same names, and KRE returned more over the year.
State Street(R) SPDR(R) S&P(R) Regional Banking ETF and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, KRE and XLF hold 2% of their money in the same securities at the same weight.
| Holding | KRE | XLF |
|---|---|---|
| Truist Financial Corp | 1.27% | 0.82% |
| Huntington Bancshares Inc/OH | 1.33% | 0.47% |
| M&T Bank Corp | 1.35% | 0.46% |
| Citizens Financial Group Inc | 1.37% | 0.39% |
| Regions Financial Corp | 1.34% | 0.34% |
| Only in KRE | Only in XLF |
|---|---|
| Pinnacle Financial Partners Inc 1.37% | Berkshire Hathaway Inc 12.10% |
| Atlantic Union Bankshares Corp 1.37% | JPMorgan Chase & Co 11.57% |
| UMB Financial Corp 1.37% | Visa Inc 7.51% |
| Glacier Bancorp Inc 1.36% | Mastercard Inc 5.47% |
| Associated Banc-Corp 1.36% | Bank of America Corp 4.91% |
| Cullen/Frost Bankers Inc 1.35% | Goldman Sachs Group Inc/The 3.94% |
| First Interstate BancSystem Inc 1.35% | Wells Fargo & Co 3.34% |
| Fulton Financial Corp 1.35% | Morgan Stanley 3.31% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026.
| KRE State Street(R) SPDR(R) S&P(R) Regional Banking ETF | XLF State Street(R) Financial Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | State Street | State Street |
| What it is | SPDR S&P Regional Banking | Financials |
| Total return, 1 year | +16.1% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −1.4 pts | −9.9 pts |
| Expense ratio | 0.35% | 0.08% |
| Already in the S&P 500 | 6.7% | 100.0% |
| Holdings | 161 | 76 |
KRE in plain words
KRE is an index equity fund tracking the SPDR S&P Regional Banking. Over the year to Sep 11, 2026 it returned +16.1% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.35% a year. By its holdings filed for Jun 30, 2026, 7% of the fund by weight is stocks the S&P 500 also holds, across 161 positions, with the top ten at 13.6%. It sat 5.2% below its high of Aug 14, 2026 on Sep 11, 2026.
XLF in plain words
XLF is an index equity fund tracking the Financials. Over the year to Sep 11, 2026 it returned +7.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 76 positions, with the top ten at 57.7%.
Questions people ask
- Which returned more over the last year, KRE or XLF?
- In the year to Sep 12, 2026, with distributions reinvested, KRE returned +16.1% and XLF returned +7.6%, so KRE returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, KRE or XLF?
- KRE charges 0.35% a year and XLF charges 0.08%, so XLF is cheaper. Fees come from each fund's prospectus.
- How much do KRE and XLF overlap with the S&P 500?
- By their latest filed holdings, 7% of KRE and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 2% of their books are the same securities at the same weight.
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Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, KRE against XLF, data as of Sep 12, 2026. https://etfiq.com/compare/any/KRE-XLF Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources