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Data as of Oct 28, 2026.

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KRE vs USO: Differences, Returns & Fees

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KRE is an equity index fund and USO a commodity futures fund, and over the year to Oct 28, 2026, USO returned +133.3% against +21.2%.

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Net assets: $4.2bn on Oct 27, 2026 for State Street SPDR S&P Regional Banking ETF, and $1.9bn on Oct 28, 2026 for United States Oil Fund, LP.

KRE on its own →USO on its own →
At a glance
+21.2%
KRE total return, 1 year
+133.3%
USO total return, 1 year
0.35%
KRE expense ratio
0.86%
USO expense ratio

Pair scorecard

KRE costs 0.51 points a year less; their one-year returns differ by 112.1 points; KRE is 2.2 times larger.

KRE vs USO: Differences, Returns & Fees
MeasureKREUSO
Return
Total return, 1 year+21.2%+133.3%
Drawdown
Below its high6.9%, high on Aug 14, 202682.3%, high on Jul 14, 2008
Benchmark
What it tracksS&P Regional Banks Select Industry IndexOil futures
Cost and size
Expense ratio0.35%0.86%
Net assets, as of Oct 27, 2026$4.2bn$1.9bn
Holdings
Holdings in commonnot published
In the S&P 500, by weight7%
Top ten holdings, share of the fund11.6%

Method

Side by side

KRE State Street SPDR S&P Regional Banking ETF USO United States Oil Fund, LP
Where it sits Stock ETF Commodity ETF
Issuer State Street USCF
What it is Tracks the S&P Regional Banking Holds oil futures
Total return, 1 year +21.2% +133.3%
Expense ratio 0.35% 0.86%
Holdings 167 not counted
Net assets, KRE as of Oct 27, 2026 and USO as of Oct 28, 2026 $4.2bn $1.9bn

KRE and USO on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

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About each fund
KRE

KRE tracks the S&P Regional Banking. Over the year to Oct 28, 2026 it returned +21.2% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 7% of the fund by weight is stocks the S&P 500 also holds, across 167 positions, with the top ten at 11.6%. It sat 6.9% below its high of Aug 14, 2026 on Oct 28, 2026.

USO

USO holds oil futures. Over the year to Oct 28, 2026 it returned +133.3% with distributions reinvested. The prospectus expense ratio is 0.86% a year. It sat 82.3% below its high of Jul 14, 2008 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, KRE or USO?
In the year to Oct 28, 2026, with distributions reinvested, KRE returned +21.2% and USO +133.3%.
Which is cheaper, KRE or USO?
KRE is cheaper, by 0.51 percentage points a year. That is about $51 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
KRE vs SIVRBWET vs KREKRE vs SLVGLDM vs KREUSO vs XLFUSO vs VOXUSO vs VDCUSO vs VPU
Where to next
KRE on its own →USO on its own →Hold both: look the portfolio through →Rankings →KRE dividend history →KRE holdings →Standards and sources →
Sources and dates
KRE filings on SEC EDGAR ↗
KRE prospectus with the expense ratio (SEC) ↗
State Street website ↗
USCF website ↗

Links are sources, not endorsements. A comparison is not a recommendation.

Cite this pageCitation, APA and Markdown

ETFIQ, KRE against USO, data as of Oct 28, 2026. https://etfiq.com/compare/any/kre-vs-uso

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.