KBEvsREMETF Comparison
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State Street SPDR S&P Bank ETF (KBE) and iShares Mortgage Real Estate ETF (REM) belong to the same industry segment: US Financials. Both ETFs have the same top 3 sector exposures: and Finance. KBE is less expensive with a Total Expense Ratio (TER) of 0.35%, versus 0.48% for REM. KBE is up 15.51% year-to-date (YTD) with +$148M in YTD flows. REM performs worse with 0.41% YTD performance, and -$79M in YTD flows. Run a side-by-side ETF comparison of KBE and REM below, and assess how they stack up in performance, liquidity, risk, exposure, holdings, and more, helping you select the best ETF for your investments.
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KBE vs REM performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 07/22/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | KBE REM | +5.14%+0.40% | +9.25%-3.83% | +15.51%+0.41% | +20.96%+6.02% | +83.15%+15.08% | +63.95%-6.92% |
| Flows | KBE REM | +$78M-$3M | +$42M-$7M | +$148M-$79M | -$210M-$29M | -$545M-$52M | -$1.52B-$472M |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | KBE REM | +18.85%+16.06% | +21.26%+17.07% | +25.36%+20.41% | +27.21%+23.40% |
| Max drawdown | KBE REM | -4.71%-7.31% | -14.61%-14.09% | -25.95%-21.83% | -45.30%-43.18% |
| Max drawdown duration | KBE REM | 33d73d | 134d186d | 282d140d | 1002d1720d |
Trading data
KBE | REM | |
Last sale 7/24/2026 at 1:30 PM | $69.36 | $21.57 |
| Previous close 07/23/2026 | $68.77 | $21.46 |
| Consolidated volume 07/23/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of June 30, 2026
1-year trailing difference
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KBE | REM | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 7/24/2026 at 1:30 PM
Live
Closed
KBE | REM | |
|---|---|---|
| Last price | $69.36 | $21.57 |
| 1D performance | +0.86% | +0.51% |
| AuM | $1.64 B | $535.59 M |
| E/R | 0.35% | 0.48% |
Characteristics
KBE | REM | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | State Street Investment Management | iShares |
| Benchmark | S&P Banks Select Industry Index | FTSE NAREIT All Mortgage Capped Index |
| N° of holdings | 103 | 32 |
| Asset class | Equities | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | November 8, 2005 | May 1, 2007 |
| ESG | No | No |
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Exposure
Countries
KBE
USA
97.77%
Other
2.23%
REM
USA
98.3%
Other
1.7%
Sectors
KBE
Finance
101.64%
Other
-1.64%
REM
Finance
98.04%
Other
1.96%
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Diversification
KBE
Total weight of top 15 holdings out of 15
15.8%
REM
Total weight of top 15 holdings out of 15
83.53%
Top 15 holdings
Data as of June 30, 2026
KBE
Rocket Cos., Inc.
1.19%
Nicolet Bankshares, Inc.
1.09%
The Bancorp, Inc. (Delaware)
1.08%
NMI Holdings, Inc.
1.05%
Axos Financial, Inc.
1.05%
MGIC Investment Corp.
1.04%
Essent Group Ltd.
1.04%
Atlantic Union Bankshares Corp.
1.04%
WesBanco, Inc.
1.04%
PennyMac Financial Services, Inc.
1.03%
Eastern Bankshares, Inc.
1.03%
Radian Group Inc.
1.03%
Pinnacle Financial Partners, Inc.
1.03%
UMB Financial Corp.
1.03%
CVB Financial Corp.
1.03%
REM
Annaly Capital Management, Inc.
22.76%
AGNC Investment Corp.
15.32%
Starwood Property Trust, Inc.
7.02%
Rithm Capital Corp.
4.44%
ARMOUR Residential REIT, Inc.
4.41%
Dynex Capital, Inc.
4.40%
Blackstone Mortgage Trust, Inc.
3.99%
Ellington Financial, Inc.
3.52%
Apollo Commercial Real Estate Finance, Inc.
3.00%
Orchid Island Capital, Inc.
2.98%
Two Harbors Investment Corp.
2.74%
Ladder Capital Corp.
2.37%
Chimera Investment Corp.
2.33%
Arbor Realty Trust, Inc.
2.17%
PennyMac Mortgage Investment Trust
2.07%
Frequently asked questions about KBE and REM
How have the KBE and REM ETFs performed in 2026?
As of July 22, 2026, KBE is up 15.51% year-to-date (YTD), while REM has returned 0.41%. That puts KBE better performer ahead so far this year.
Which ETF is attracting more investor money: KBE or REM?
Year-to-date, the KBE ETF saw +$148M in flows, compared to -$79M for REM.
Which ETF is more volatile: KBE or REM?
Over the past year, KBE had a volatility of 21.26%, while REM experienced 17.07%.
Which ETF is bigger: KBE or REM?
As of July 22, 2026, KBE holds $1.64 B in assets under management (AUM), while REM manages $535.59 M.
What sectors do the KBE and REM ETFs invest in?
KBE leans toward sectors like Finance. Meanwhile, REM focuses on Finance.
What are the top holdings of the KBE ETF and REM ETF?
KBE top holdings include Rocket Cos., Inc., Nicolet Bankshares, Inc. and The Bancorp, Inc. (Delaware). REM holds in its top three: Annaly Capital Management, Inc., AGNC Investment Corp. and Starwood Property Trust, Inc..
Which ETF is more diversified: KBE or REM?
KBE holds 103 securities with 15.8% of its assets in the top 15. REM has 32 securities and a top 15 weight of 83.53%.
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Latest news about KBE & REM
Real Estate Sector Declines on Fed Minutes
May 27, 2024
REM
Regional Bank Stocks Bounce Back After a Tough Start to the Year
March 11, 2024
KBE
Regional Bank Stocks Rally as Fed Signals Rate Cuts for 2024 Amid Slowing Inflation
December 19, 2023
KBE
Real Estate ETFs Buoyed by Powell's Speech
November 7, 2023
REM
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Financials and Real Estate ETFs Witness Strong Rebound
November 7, 2023
KBE
REM
Financials and Real Estate ETFs Witness Strong Rebound
November 7, 2023
KBE
REM
Mortgage Funds Take a Nosedive
October 10, 2023
KBE
REM
Regional Bank Stocks Rebound
July 24, 2023
KBE
REM
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