Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
KRE vs XLU: how they differ
KRE and XLU hold 0% 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) Utilities Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, KRE and XLU hold 0% of their money in the same securities at the same weight.
| Only in KRE | Only in XLU |
|---|---|
| Pinnacle Financial Partners Inc 1.37% | NextEra Energy Inc 12.93% |
| Atlantic Union Bankshares Corp 1.37% | Southern Co/The 7.62% |
| UMB Financial Corp 1.37% | Duke Energy Corp 6.97% |
| Citizens Financial Group Inc 1.37% | Constellation Energy Corp 5.61% |
| Glacier Bancorp Inc 1.36% | American Electric Power Co Inc 5.26% |
| Associated Banc-Corp 1.36% | Sempra 4.28% |
| Cullen/Frost Bankers Inc 1.35% | Dominion Energy Inc 4.24% |
| First Interstate BancSystem Inc 1.35% | Entergy Corp 3.71% |
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 | XLU State Street(R) Utilities 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 | Utilities |
| Total return, 1 year | +16.1% | +2.4% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −1.4 pts | −15.1 pts |
| Expense ratio | 0.35% | 0.08% |
| Already in the S&P 500 | 6.7% | 100.0% |
| Holdings | 161 | 31 |
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.
XLU in plain words
XLU is an index equity fund tracking the Utilities. Over the year to Sep 11, 2026 it returned +2.4% 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 31 positions, with the top ten at 57.7%. It sat 10.0% below its high of Feb 27, 2026 on Sep 11, 2026.
Questions people ask
- Which returned more over the last year, KRE or XLU?
- In the year to Sep 12, 2026, with distributions reinvested, KRE returned +16.1% and XLU returned +2.4%, so KRE returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, KRE or XLU?
- KRE charges 0.35% a year and XLU charges 0.08%, so XLU is cheaper. Fees come from each fund's prospectus.
- How much do KRE and XLU overlap with the S&P 500?
- By their latest filed holdings, 7% of KRE and 100% of XLU by weight is stocks the S&P 500 already holds. Between the two funds, 0% 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 XLU, data as of Sep 12, 2026. https://etfiq.com/compare/any/KRE-XLU Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources