KBEvsXLFETF Comparison
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State Street SPDR S&P Bank ETF (KBE) and State Street Financial Select Sector SPDR ETF (XLF) belong to the same industry segment: US Financials. Both ETFs have the same top 3 sector exposures: and Financials. KBE is more expensive with a Total Expense Ratio (TER) of 0.35%, versus 0.08% for XLF. KBE is up 8.13% year-to-date (YTD) with +$86M in YTD flows. XLF performs worse with -4.15% YTD performance, and -$670M in YTD flows. Run a side-by-side ETF comparison of KBE and XLF 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 XLF performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 06/10/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | KBE XLF | +3.73%+2.05% | +10.71%+4.84% | +8.13%-4.15% | +21.90%+3.87% | +90.46%+65.41% | +40.17%+52.62% |
| Flows | KBE XLF | -$23M-$1.40B | +$56M+$891M | +$86M-$670M | -$141M-$397M | -$551M+$2.46B | -$2.03B-$6.65B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | KBE XLF | +18.83%+14.50% | +21.64%+14.53% | +25.66%+16.00% | +27.54%+18.68% |
| Max drawdown | KBE XLF | -4.89%-4.00% | -14.61%-14.79% | -25.95%-15.51% | -45.30%-25.84% |
| Max drawdown duration | KBE XLF | 49d23d | 122d155d | 282d116d | 1002d770d |
Trading data
KBE | XLF | |
Last sale 6/11/2026 at 6:40 PM | $65.79 | $52.61 |
| Previous close 06/10/2026 | $65.27 | $52.23 |
| Consolidated volume 06/10/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of May 29, 2026
1-year trailing difference
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KBE | XLF | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 6/11/2026 at 6:40 PM
Live
Closed
KBE | XLF | |
|---|---|---|
| Last price | $65.79 | $52.61 |
| 1D performance | +0.80% | +0.73% |
| AuM | $1.48 B | $49.88 B |
| E/R | 0.35% | 0.08% |
Characteristics
KBE | XLF | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | State Street Investment Management | State Street Investment Management |
| Benchmark | S&P Banks Select Industry Index | S&P Financials Select Sector Index |
| N° of holdings | 96 | 75 |
| Asset class | Equities | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | November 8, 2005 | December 16, 1998 |
| ESG | No | No |
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Exposure
Countries
KBE
USA
95.88%
Other
4.12%
XLF
USA
96.16%
Other
3.84%
Sectors
KBE
Financials
94.67%
Other
5.33%
XLF
Financials
82.18%
Information Techn.
15.25%
Other
2.57%
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Diversification
KBE
Total weight of top 15 holdings out of 15
16.32%
XLF
Total weight of top 15 holdings out of 15
65.41%
Top 15 holdings
Data as of April 30, 2026
KBE
VOYA FINANCIAL INC
1.14%
APOLLO GLOBAL MGMT INC
1.12%
FIRST BANCORP
1.11%
EAST WEST BANCORP
1.10%
TRIUMPH BANCORP CMN
1.09%
NORTHERN TRUST
1.09%
CATHAY GENERAL BANCORP
1.08%
US21871X1090
1.08%
CITIGROUP
1.08%
WESTERN ALLIANCE
1.08%
POPULAR
1.08%
US72348N1090
1.07%
ZIONS
1.07%
WASHINGTON FEDERAL
1.07%
WSFS FINANCIAL
1.06%
XLF
BERKSHIRE HATHWAY
11.67%
JPMORGAN CHASE
11.35%
VISA INCORPORATION
7.45%
MASTERCARD
5.51%
BK OF AMERICA CO
4.77%
THE GOLDMAN SACHS GROUP
3.72%
WELLS FARGO
3.42%
MORGAN STANLEY
3.08%
CITIGROUP
3.01%
AMERICAN EXPRESS
2.33%
US09290D1019
2.07%
CHARLES SCHWAB
2.06%
S&P GLOBAL INC
1.77%
CAPITAL ONE FINANCIAL
1.61%
CHUBB LTD
1.60%
Frequently asked questions about KBE and XLF
How have the KBE and XLF ETFs performed in 2026?
As of June 10, 2026, KBE is up 8.13% year-to-date (YTD), while XLF has lost -4.15%. That puts KBE better performer ahead so far this year.
Which ETF is attracting more investor money: KBE or XLF?
Year-to-date, the KBE ETF saw +$86M in flows, compared to -$670M for XLF.
Which ETF is more volatile: KBE or XLF?
Over the past year, KBE had a volatility of 21.64%, while XLF experienced 14.53%.
Which ETF is bigger: KBE or XLF?
As of June 10, 2026, KBE holds $1.48 B in assets under management (AUM), while XLF manages $49.88 B.
What sectors do the KBE and XLF ETFs invest in?
KBE leans toward sectors like Financials. Meanwhile, XLF focuses on Financials and Information Technology.
What are the top holdings of the KBE ETF and XLF ETF?
KBE top holdings include VOYA FINANCIAL INC, APOLLO GLOBAL MGMT INC and FIRST BANCORP. XLF holds in its top three: BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION.
Which ETF is more diversified: KBE or XLF?
KBE holds 101 securities with 16.32% of its assets in the top 15. XLF has 76 securities and a top 15 weight of 65.41%.
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Latest news about KBE & XLF
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September 11, 2024
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May 22, 2024
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March 11, 2024
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The Top Three Moments That Moved ETF Markets in 2023
January 3, 2024
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