TFNSvsXLFETF Comparison
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T. Rowe Price Financials ETF (TFNS) and State Street Financial Select Sector SPDR ETF (XLF) belong to the same industry segment: US Financials. TFNS's top 3 sector exposures are Finance, Business Services and Technology. In contrast, XLF's top sector exposures are Finance, Technology and Business Services. TFNS is more expensive with a Total Expense Ratio (TER) of 0.44%, versus 0.08% for XLF. TFNS is up 4.32% year-to-date (YTD) with +$5M in YTD flows. XLF performs better with 4.73% YTD performance, and -$2.20B in YTD flows. Run a side-by-side ETF comparison of TFNS 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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TFNS vs XLF performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 10/21/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | TFNS XLF | -0.11%+3.45% | -0.33%+1.47% | +4.32%+4.73% | +10.67%+9.79% | n/a+85.43% | n/a+51.99% |
| Flows | TFNS XLF | -$1M+$346M | +$4M-$3.17B | +$5M-$2.20B | +$6M-$4.45B | -+$1.07B | --$6.22B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | TFNS XLF | +13.14%+12.63% | +14.67%+14.39% | n/a+16.05% | n/a+18.32% |
| Max drawdown | TFNS XLF | -8.87%-8.51% | -13.97%-14.79% | n/a-15.51% | n/a-25.84% |
| Max drawdown duration | TFNS XLF | 48d49d | 176d177d | n/a116d | n/a770d |
Trading data
TFNS | XLF | |
Last sale 10/23/2026 at 1:30 PM | $28.55 | $55.90 |
| Previous close 10/22/2026 | $28.94 | $56.65 |
| Consolidated volume 10/22/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of September 30, 2026
1-year trailing difference
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TFNS
is actively managed and doesn’t replicate an indexTFNS | 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 10/23/2026 at 1:30 PM
Live
Closed
TFNS | XLF | |
|---|---|---|
| Last price | $28.55 | $55.90 |
| 1D performance | -1.34% | -1.32% |
| AuM | $17.91 M | $52.61 B |
| E/R | 0.44% | 0.08% |
Characteristics
TFNS | XLF | |
|---|---|---|
| Management strategy | Active | Passive |
| Provider | T. Rowe Price | State Street Investment Management |
| Benchmark | - | S&P Financials Select Sector Index |
| N° of holdings | 84 | 76 |
| Asset class | - | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | June 11, 2025 | December 16, 1998 |
| ESG | No | No |
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Exposure
Countries
TFNS
USA
91.29%
Other
8.71%
XLF
USA
96.37%
Other
3.63%
Sectors
TFNS
Finance
95.78%
Other
4.22%
XLF
Finance
95.38%
Other
4.62%
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Diversification
TFNS
Total weight of top 15 holdings out of 15
60.81%
XLF
Total weight of top 15 holdings out of 15
65.62%
Top 15 holdings
Data as of August 31, 2026
TFNS
Berkshire Hathaway, Inc.
9.65%
Visa, Inc.
6.97%
Mastercard, Inc.
6.28%
JPMorgan Chase & Co.
4.88%
Bank of America Corp.
4.52%
Wells Fargo & Co.
4.42%
The Goldman Sachs Group, Inc.
3.67%
The Charles Schwab Corp.
3.60%
Citigroup, Inc.
3.14%
Capital One Financial Corp.
2.77%
Morgan Stanley
2.69%
BlackRock, Inc.
2.40%
Chubb Ltd.
2.38%
Marsh & McLennan Cos., Inc.
1.93%
U.S. Bancorp
1.54%
XLF
JPMorgan Chase & Co.
11.70%
Berkshire Hathaway, Inc.
11.34%
Visa, Inc.
7.72%
Mastercard, Inc.
5.83%
Bank of America Corp.
4.96%
The Goldman Sachs Group, Inc.
3.69%
Wells Fargo & Co.
3.24%
Morgan Stanley
3.14%
Citigroup, Inc.
2.75%
The Charles Schwab Corp.
2.20%
American Express Co.
2.16%
BlackRock, Inc.
2.05%
Capital One Financial Corp.
1.64%
S&P Global, Inc.
1.62%
The Progressive Corp.
1.56%
Frequently asked questions about TFNS and XLF
How have the TFNS and XLF ETFs performed in 2026?
As of October 21, 2026, TFNS is up 4.32% year-to-date (YTD), while XLF has returned 4.73%. That puts XLF better performer ahead so far this year.
Which ETF is attracting more investor money: TFNS or XLF?
Year-to-date, the TFNS ETF saw +$5M in flows, compared to -$2.20B for XLF.
Which ETF is more volatile: TFNS or XLF?
Over the past year, TFNS had a volatility of 14.67%, while XLF experienced 14.39%.
Which ETF is bigger: TFNS or XLF?
As of October 21, 2026, TFNS holds $17.91 M in assets under management (AUM), while XLF manages $52.61 B.
What sectors do the TFNS and XLF ETFs invest in?
TFNS leans toward sectors like Finance. Meanwhile, XLF focuses on Finance.
What are the top holdings of the TFNS ETF and XLF ETF?
TFNS top holdings include Berkshire Hathaway, Inc., Visa, Inc. and Mastercard, Inc.. XLF holds in its top three: JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc..
Which ETF is more diversified: TFNS or XLF?
TFNS holds 84 securities with 60.81% of its assets in the top 15. XLF has 76 securities and a top 15 weight of 65.62%.
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Latest news about TFNS & XLF
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