SPDR S&P Regional Banking ETF
KRE - ETF AI Analysis
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SPDR S&P Regional Banking ETF (KRE)
KRE, the SPDR S&P Regional Banking ETF, earns a solid overall rating largely because many of its key holdings—such as United Bankshares (UBSI), Old National Bancorp (ONB), and SouthState Corporation (SSB)—show strong financial performance, reasonable valuations, and supportive technical trends, which together create a positive foundation for the fund. However, some holdings like Eastern Bankshares (EBC) and First Hawaiian (FHB) face issues such as overvaluation, declining margins, or overbought technical signals, which slightly weigh on the ETF’s appeal. The main risk factor is the fund’s concentrated exposure to regional banks, meaning its performance is closely tied to the health of the U.S. regional banking sector and related economic conditions.
KRE vs. SPDR S&P 500 ETF (SPY)
- AUM
- 4.37B
- Region
- North America
- Expense Ratio
- 0.35%
- Beta
- 0.85
- Issuer
- SPDR
- Inception Date
- Jun 19, 2006
- Dividend Yield
- 2.21%
- Asset Class
- Equity
- Index Tracked
- S&P Regional Banks Select Industry
KRE Summary
KRE is the SPDR S&P Regional Banking ETF, which follows the S&P Regional Banks Select Industry Index. It invests in many U.S. regional banks, the smaller and mid-sized lenders that focus on local communities and businesses. Top holdings include banks like United Community Banks and East West Bancorp. Someone might invest in KRE to get diversified exposure to the U.S. banking sector beyond the big national banks, with potential growth if the economy and lending activity stay strong. A key risk is that regional bank stocks can be very sensitive to interest rates and economic downturns, so the ETF’s price can move up and down sharply.
How much will it cost me?
KRE has an expense ratio of 0.35%, which means you’ll pay about $3.50 per year for every $1,000 invested. This cost is a bit higher than the cheapest broad-market index ETFs, but still reasonable for a sector-focused, passively managed fund that targets regional banks.
What would affect this ETF?
KRE focuses on U.S. regional banks, so it could benefit from a strong U.S. economy, rising loan demand, and supportive banking regulations that help its top holdings grow and possibly consolidate through mergers. On the negative side, higher funding costs, falling interest rates or a weak economy, along with tighter banking rules or localized problems in certain regions, could hurt profits for these banks and weigh on the ETF’s performance.
KRE Top 10 Holdings
KRE is a pure play on U.S. regional banks, and its story right now is one of broadly rising but occasionally choppy financials. Eastern Bankshares and United Bankshares have been standouts, helping to pull the fund higher with steady, upbeat trends, while Texas Capital Bancshares adds momentum with improving profitability. On the flip side, Bank OZK and First Interstate Bancsystem have shown more mixed signals, occasionally losing steam and tempering gains. With no big tech or international names in sight, this ETF lives and dies by the health of America’s hometown banks.
| Name | Company Name | Weight % | Market Value | Market Cap | Yearly Gain | Overall Rating |
|---|---|---|---|---|---|---|
 GBCI | Glacier Bancorp | 1.19% | $52.58M | $6.35B | 13.91% | 74Outperform |
 TXCP | Texas Capital Bancshares | 1.14% | $50.41M | $4.24B | 13.88% | 79Outperform |
 UCB | United Community Banks | 1.19% | $52.61M | $4.48B | 23.69% | 77Outperform |
 OZK | Bank OZK | 1.16% | $51.42M | $5.54B | 12.30% | 70Outperform |
 EBC | Eastern Bankshares | 1.18% | $52.47M | $5.19B | 31.31% | 74Outperform |
 FIBK | First Interstate Bancsystem | 1.15% | $50.89M | $3.52B | 16.61% | 76Outperform |
 UBSI | United Bankshares | 1.15% | $51.10M | $6.54B | 30.61% | 80Outperform |
 PNFP | Pinnacle Financial Partners | 1.15% | $51.14M | $15.54B | 16.43% | 73Outperform |
 VLY | Valley National Bancorp | 1.16% | $51.28M | $7.87B | 29.61% | 73Outperform |
 COLB | Columbia Banking System | 1.15% | $50.98M | $8.52B | 14.16% | 77Outperform |
KRE Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in ETF analysis to make informed investment decisions. For KRE, the sentiment is Positive. The current price of 72.95 is above the 20-day moving average (MA) of 72.10, above the 50-day MA of 71.70, and above the 200-day MA of 70.58, indicating a bullish trend. The MACD of 0.54 indicates Negative momentum. The RSI at 54.43 is Neutral, neither overbought nor oversold. The STOCH value of 37.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KRE.
KRE Peer Comparison
Comparison Results
| Name | Price | Price Target | AUM | Expense Ratio | Overall Rating |
|---|---|---|---|---|---|
| KRE | $72.95 | $79.00(8.29% Upside) | $4.37B | 0.35% | 73Outperform |
 KBWB | $90.15 | $102.93(14.17% Upside) | $6.73B | 0.35% | 74Outperform |
 IYF | $135.78 | $149.65(10.22% Upside) | $3.94B | 0.37% | 72Outperform |
 FNCL | $82.59 | $91.07(10.26% Upside) | $2.35B | 0.08% | 72Outperform |
 IYG | $97.69 | $108.30(10.86% Upside) | $2.28B | 0.37% | 72Outperform |
 KBE | $66.67 | $75.23(12.83% Upside) | $1.56B | 0.35% | 72Outperform |
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| KRE | SPDR S&P Regional Banking ETF | 72.95 | 13.45 | 22.60% | |
| KBWB | Invesco KBW Bank ETF | 90.15 | 14.81 | 19.65% | |
| IYF | iShares U.S. Financials ETF | 135.78 | 13.95 | 11.45% | |
| FNCL | Fidelity MSCI Financials Index ETF | 82.59 | 9.60 | 13.16% | |
| IYG | iShares US Financial Services ETF | 97.69 | 10.91 | 12.57% | |
| KBE | SPDR S&P Bank ETF | 66.67 | 10.73 | 19.19% |
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.