IAT - ETF AI Analysis
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iShares U.S. Regional Banks ETF (IAT)
IAT, the iShares U.S. Regional Banks ETF, earns a solid overall rating largely because its biggest holdings like US Bancorp, PNC Financial, and Huntington Bancshares show strong financial performance, attractive or fair valuations, and positive earnings outlooks that support long-term growth. Some holdings such as KeyCorp and First Citizens BancShares introduce risks through issues like high leverage, expense and loan growth challenges, and overbought technical signals. The main risk factor for the ETF is its concentrated exposure to the U.S. regional banking sector, which can make the fund more sensitive to economic and interest rate changes affecting banks.
IAT vs. SPDR S&P 500 ETF (SPY)
- AUM
- 646.16M
- Region
- North America
- Expense Ratio
- 0.37%
- Beta
- 0.99
- Issuer
- iShares
- Inception Date
- May 01, 2006
- Dividend Yield
- 2.72%
- Asset Class
- Equity
- Index Tracked
- DJ US Select / Regional Banks
IAT Summary
IAT is the iShares U.S. Regional Banks ETF, which follows the DJ US Select / Regional Banks index. It invests in a basket of U.S. regional banks, giving you exposure to smaller, locally focused financial institutions rather than big Wall Street firms. Well-known holdings include US Bancorp and PNC Financial. Someone might invest in IAT to diversify within the financial sector and potentially benefit if regional banks grow as local economies and interest rates rise. A key risk is that bank stocks can be very sensitive to the economy and interest rates, so the ETF’s value can go up and down sharply.
How much will it cost me?
This ETF has an expense ratio of 0.37%, which means you’ll pay about $3.70 per year for every $1,000 you invest. That’s a bit higher than the cost of a typical broad, passively managed index ETF because this fund offers more specialized, sector-focused exposure to U.S. regional banks.
What would affect this ETF?
Future performance of IAT will be helped if the U.S. economy stays healthy, loan demand grows in local markets, and interest rates move in a way that supports regional banks’ lending profits, especially for large holdings like US Bancorp and PNC Financial. On the downside, a U.S. recession, rising loan defaults, unfavorable interest rate changes, or tighter banking regulations could hurt these regional banks and increase risk for this U.S.-focused financial sector ETF.
IAT Top 10 Holdings
IAT is essentially a pure play on U.S. regional banks, with performance heavily steered by a few big names. US Bancorp and PNC Financial sit in the driver’s seat, and while they’ve been rising lately, their longer-term results have been more mixed, keeping a lid on momentum. Fifth Third and Regions Financial have been steadier bright spots, helping to offset lagging names like Truist and Huntington, which are losing steam year-to-date. With all holdings U.S.-based and tightly clustered in financials, the fund lives and dies by the health of America’s regional banking sector.
| Name | Company Name | Weight % | Market Value | Market Cap | Yearly Gain | Overall Rating |
|---|---|---|---|---|---|---|
 USB | US Bancorp | 14.98% | $95.49M | $94.25B | 28.46% | 76Outperform |
 PNC | PNC Financial | 14.69% | $93.63M | $91.97B | 25.54% | 71Outperform |
 TFC | Truist Financial | 9.69% | $61.75M | $60.13B | 11.74% | 70Outperform |
 FITB | Fifth Third Bancorp | 5.20% | $33.13M | $49.88B | 29.86% | 71Outperform |
 RF | Regions Financial | 4.38% | $27.93M | $24.68B | 17.99% | 79Outperform |
 HBAN | Huntington Bancshares | 4.39% | $28.01M | $32.27B | 3.19% | 80Outperform |
 MTB | M&T Bank | 4.29% | $27.37M | $32.41B | 21.53% | 76Outperform |
 CFG | Citizens Financial | 4.28% | $27.27M | $27.22B | 26.19% | 75Outperform |
 FCNCA | First Citizens BancShares | 3.69% | $23.53M | $26.22B | 27.40% | 73Outperform |
 KEY | KeyCorp | 3.47% | $22.10M | $22.93B | 21.04% | 69Neutral |
IAT Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in ETF analysis to make informed investment decisions. For IAT, the sentiment is Positive. The current price of 60.24 is above the 20-day moving average (MA) of 58.52, above the 50-day MA of 59.40, and above the 200-day MA of 58.63, indicating a bullish trend. The MACD of 0.44 indicates Negative momentum. The RSI at 57.57 is Neutral, neither overbought nor oversold. The STOCH value of 75.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IAT.
IAT Peer Comparison
Comparison Results
| Name | Price | Price Target | AUM | Expense Ratio | Overall Rating |
|---|---|---|---|---|---|
| IAT | $60.24 | $67.00(11.22% Upside) | $646.16M | 0.37% | 74Outperform |
 KIE | $64.37 | $69.14(7.40% Upside) | $569.91M | 0.35% | 71Outperform |
 IAK | $149.68 | $154.44(3.18% Upside) | $482.95M | 0.37% | 74Outperform |
 REM | $17.06 | $21.70(27.22% Upside) | $454.17M | 0.48% | 62Neutral |
 KCE | $157.28 | $185.80(18.13% Upside) | $436.42M | 0.35% | 66Neutral |
 KBWD | $10.55 | $12.46(18.14% Upside) | $335.08M | 5.39% | 64Neutral |
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IAT | iShares U.S. Regional Banks ETF | 60.24 | 11.91 | 24.65% | |
| KIE | SPDR S&P Insurance ETF | 64.37 | 7.93 | 14.04% | |
| IAK | iShares U.S. Insurance ETF | 149.68 | 24.66 | 19.72% | |
| REM | iShares Mortgage Real Estate ETF | 17.06 | -3.22 | -15.89% | |
| KCE | SPDR S&P Capital Markets ETF | 157.28 | 13.96 | 9.74% | |
| KBWD | Invesco KBW High Dividend Yield Financial ETF | 10.55 | -1.28 | -10.84% |
This AI Analyst ETF Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in ETFs carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.