Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
KRE vs XBI: how they differ
KRE and XBI hold 0% of their weight in the same names, and XBI returned more over the year.
State Street(R) SPDR(R) S&P(R) Regional Banking ETF and State Street(R) SPDR(R) S&P(R) Biotech ETF.
What they hold in common
By the books each fund has filed, KRE and XBI hold 0% of their money in the same securities at the same weight.
| Holding | KRE | XBI |
|---|---|---|
| SSI US GOV MONEY MARKET CLASS | 0.05% | 0.08% |
| US DOLLAR | 0.01% | 0.02% |
| Only in KRE | Only in XBI |
|---|---|
| CULLEN/FROST BANKERS INC 1.48% | MODERNA INC 2.87% |
| SOUTHSTATE BANK CORP 1.44% | TWIST BIOSCIENCE CORP 1.81% |
| HOME BANCSHARES INC 1.42% | HALOZYME THERAPEUTICS INC 1.47% |
| CITIZENS FINANCIAL GROUP 1.41% | NATERA INC 1.46% |
| COMMERCE BANCSHARES INC 1.40% | KYMERA THERAPEUTICS INC 1.45% |
| M + T BANK CORP 1.40% | TRAVERE THERAPEUTICS INC 1.40% |
| PINNACLE FINANCIAL PARTNERS 1.40% | ROIVANT SCIENCES LTD 1.39% |
| ASSOCIATED BANC CORP 1.39% | ORUKA THERAPEUTICS INC 1.38% |
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 Sep 10, 2026.
| KRE State Street(R) SPDR(R) S&P(R) Regional Banking ETF | XBI State Street(R) SPDR(R) S&P(R) Biotech ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | State Street | State Street |
| What it is | SPDR S&P Regional Banking | SPDR S&P Biotech |
| Total return, 1 year | +16.1% | +64.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −1.4 pts | +46.5 pts |
| Expense ratio | 0.35% | 0.35% |
| Already in the S&P 500 | 6.7% | 8.5% |
| Holdings | 160 | 154 |
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 Sep 10, 2026, 7% of the fund by weight is stocks the S&P 500 also holds, across 160 positions, with the top ten at 14.1%. It sat 5.2% below its high of Aug 14, 2026 on Sep 11, 2026.
XBI in plain words
XBI is an index equity fund tracking the SPDR S&P Biotech. Over the year to Sep 11, 2026 it returned +64.0% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. By its holdings filed for Sep 10, 2026, 8% of the fund by weight is stocks the S&P 500 also holds, across 154 positions, with the top ten at 15.9%. It sat 9.6% below its high of Feb 8, 2021 on Sep 11, 2026.
Questions people ask
- Which returned more over the last year, KRE or XBI?
- In the year to Sep 13, 2026, with distributions reinvested, KRE returned +16.1% and XBI returned +64.0%, so XBI returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, KRE or XBI?
- KRE charges 0.35% a year and XBI charges 0.35%, so KRE is cheaper. Fees come from each fund's prospectus.
- How much do KRE and XBI overlap with the S&P 500?
- By their latest filed holdings, 7% of KRE and 8% of XBI 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.
Other comparisons
Where to next
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 XBI, data as of Sep 13, 2026. https://etfiq.com/compare/any/kre-vs-xbi Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources