# KBE vs KRE: Banking ETFs Show Structural Drift

> State Street SPDR S&P Bank ETF (KBE) outperforms regional banking ETF (KRE) by 17% over five years.
- Title: KBE vs KRE: Banking ETFs Show Structural Drift | Shortify
- Summary: State Street SPDR S&P Bank ETF (KBE) outperforms regional banking ETF (KRE) by 17% over five years. KBE has delivered 33% total return vs KRE's 14% over five…
- Keywords: kbe, kre, spdr, s&p bank, s&p regional banking, etf, dividend yield, beta, 1-year return, 5-year return, compound annual growth rate, s&p 500
- Source: The Motley Fool — https://fool.com/coverage/etfs/2026/10/23/composition-vs-returns-breaking-down-the-structural-drift-between-kbe-and-kre
- Author: Jake Lerch
- Published: 2026-10-23T13:17:01+00:00
- Read time: 1 min
- Topics: kbe, kre, spdr, s&p bank, s&p regional banking, etf, dividend yield, beta, 1-year return, 5-year return, compound annual growth rate, s&p 500
## KBE and KRE Fund Overview
State Street SPDR S&P Bank ETF (KBE) and State Street SPDR S&P Regional Banking ETF (KRE) both target financial services but differ in scope.
## Performance Metrics
KBE shows 11.7% 1-year return vs KRE's 15.2% with identical 0.35% expense ratios and 2.3% dividend yields.
## 5-Year Performance Comparison
KBE generated 33% total return over five years vs KRE's 14% with KBE's 5.8% compound annual growth rate outperforming KRE's 2.7%.
## Fund Composition
KRE focuses on 167 regional bank stocks while KBE holds 107 banks including major money-center institutions.
## Key Holdings
KRE's top holdings include United Bankshares Inc (1.16%), East West Bancorp Inc (1.15%), and Old National Bancorp (1.15%).
## Investor Considerations
KBE outperforms KRE historically but KRE offers diversification from major money-center banking stocks.
## Key takeaway

KBE has delivered 33% total return vs KRE's 14% over five years, with KRE offering regional bank exposure for diversification.