XLFvsKBEETF Comparison
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State Street Financial Select Sector SPDR ETF (XLF) and SPDR S&P Bank ETF (KBE) belong to the same industry segment: US Financials. XLF's top 3 sector exposures are Financials and Information Technology. In contrast, KBE's top sector exposures are Financials XLF is less expensive with a Total Expense Ratio (TER) of 0.08%, versus 0.35% for KBE. XLF is down -8.43% year-to-date (YTD) with +$636M in YTD flows. KBE performs better with 0.97% YTD performance, and +$27M in YTD flows. Run a side-by-side ETF comparison of XLF and KBE 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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XLF vs KBE performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 04/07/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | XLF KBE | -0.36%+3.17% | -9.81%-1.83% | -8.43%+0.97% | +14.81%+34.63% | +63.25%+81.80% | +56.17%+34.30% |
| Flows | XLF KBE | +$1.46B-$20M | -$324M-$4M | +$636M+$27M | -$2.83B-$629M | +$3.39B-$654M | -$2.39B-$2.42B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | XLF KBE | +17.42%+23.73% | +17.12%+24.18% | +16.16%+26.97% | +18.72%+27.61% |
| Max drawdown | XLF KBE | -14.04%-14.61% | -14.79%-14.61% | -15.51%-25.95% | -25.84%-45.30% |
| Max drawdown duration | XLF KBE | 89d58d | 91d58d | 116d282d | 770d1002d |
Trading data
XLF | KBE | |
Last sale 4/7/2026 at 1:30 PM | $49.88 | $60.95 |
| Previous close 04/07/2026 | $49.88 | $60.87 |
| Consolidated volume 04/07/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of March 31, 2026
1-year trailing difference
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XLF | KBE | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 4/7/2026 at 1:30 PM
Live
Closed
XLF | KBE | |
|---|---|---|
| Last price | $49.88 | $60.95 |
| 1D performance | +0.00% | +0.13% |
| AuM | $48.94 B | $1.33 B |
| E/R | 0.08% | 0.35% |
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Exposure
Countries
XLF
USA
95.8%
Other
4.2%
KBE
USA
94.85%
Other
5.15%
Sectors
XLF
Financials
81.96%
Information Techn.
15.36%
Other
2.68%
KBE
Financials
94.78%
Other
5.22%
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Diversification
XLF
Total weight of top 15 holdings out of 15
65.36%
KBE
Total weight of top 15 holdings out of 15
17.26%
Top 15 holdings
Data as of February 28, 2026
XLF
BERKSHIRE HATHWAY
12.56%
JPMORGAN CHASE
11.09%
VISA INCORPORATION
7.33%
MASTERCARD
5.75%
BK OF AMERICA CO
4.54%
THE GOLDMAN SACHS GROUP
3.48%
WELLS FARGO
3.47%
MORGAN STANLEY
2.73%
CITIGROUP
2.67%
AMERICAN EXPRESS
2.25%
CHARLES SCHWAB
2.16%
US09290D1019
2.08%
S&P GLOBAL INC
1.86%
PROGRESSIVE
1.70%
CHUBB LTD
1.69%
KBE
POPULAR
1.20%
WEBSTER FINANCIAL CORPORATION
1.20%
WSFS FINANCIAL
1.19%
BERKSHIRE HILLS BANCORP
1.19%
PATHWARD FINANCIAL INC
1.17%
BANK OF HAWAII
1.16%
SRVSFRST BNCSH/D
1.14%
VALLEY NATL BANCORP
1.14%
CULLEN FROST BANKERS
1.14%
JACKSON FINANCIAL INC
1.13%
M&T BANK
1.12%
BOK FINANCIAL
1.12%
UNITED BANKSHRS
1.12%
FIFTH THIRD BANCORP
1.11%
NORTHERN TRUST
1.11%
Frequently asked questions about XLF and KBE
How have the XLF and KBE ETFs performed in 2026?
As of April 7, 2026, XLF is down -8.43% year-to-date (YTD), while KBE has returned 0.97%. That puts KBE better performer ahead so far this year.
Which ETF is attracting more investor money: XLF or KBE?
Year-to-date, the XLF ETF saw +$636M in flows, compared to +$27M for KBE.
Which ETF is more volatile: XLF or KBE?
Over the past year, XLF had a volatility of 17.12%, while KBE experienced 24.18%.
Which ETF is bigger: XLF or KBE?
As of April 7, 2026, XLF holds $48.94 B in assets under management (AUM), while KBE manages $1.33 B.
What sectors do the XLF and KBE ETFs invest in?
XLF leans toward sectors like Financials and Information Technology. Meanwhile, KBE focuses on Financials.
What are the top holdings of the XLF ETF and KBE ETF?
XLF top holdings include BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION. KBE holds in its top three: POPULAR, WEBSTER FINANCIAL CORPORATION and WSFS FINANCIAL.
Which ETF is more diversified: XLF or KBE?
XLF holds 76 securities with 65.36% of its assets in the top 15. KBE has 99 securities and a top 15 weight of 17.26%.
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Latest news about XLF & KBE
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September 11, 2024
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May 2024 U.S. Sector ETFs Inflows and Outflows Breakdown
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The Top Three Moments That Moved ETF Markets in 2023
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