ETF comparison
IAT vs XLF
Both Financials.
iShares U.S. Regional Banks ETF · State Street Financial Select Sector SPDR ETF
Holdings overlap
9 positions appear in both funds. Buying equal dollars of IAT and XLF would leave roughly 6.0% of each dollar exposed to the same underlying securities.
Unmatched is the part of a fund's weight the other fund doesn't match: names only it holds, plus any extra weight it puts in names both funds hold.
Side by side
Sub-score comparison
Tracking quality isn't part of the composite — see what we don't score for why.
Cost difference
XLF is 29 bps cheaper than IAT. On a $100,000 position that's about $290/yr more in fees for IAT.
Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open the cost calculator pre-filled with IAT vs XLF.
Top shared holdings
9 shared in total| # | Holding | In IAT | In XLF | Overlap |
|---|---|---|---|---|
| 1 | THE PNC FINANCIAL SERVICES GROUP, INC. | 14.94% | 1.30% | 1.30% |
| 2 | U.S. BANCORP | 14.16% | 1.23% | 1.23% |
| 3 | Truist Financial Corporation | 9.38% | 0.82% | 0.82% |
| 4 | FIFTH THIRD BANCORP | 6.39% | 0.67% | 0.67% |
| 5 | HUNTINGTON BANCSHARES INCORPORATED | 4.50% | 0.47% | 0.47% |
| 6 | M&T BANK CORPORATION | 4.55% | 0.46% | 0.46% |
| 7 | CITIZENS FINANCIAL GROUP, INC. | 4.61% | 0.39% | 0.39% |
| 8 | REGIONS FINANCIAL CORPORATION | 4.18% | 0.34% | 0.34% |
| 9 | KEYCORP | 3.44% | 0.28% | 0.28% |
Only in IAT
22 total- FIRST CITIZENS BANCSHARES, INC. 3.14%
- EAST WEST BANCORP, INC. 2.87%
- Pinnacle Financial Partners, Inc. 2.46%
- WEBSTER FINANCIAL CORPORATION 2.01%
- FIRST HORIZON CORPORATION 1.97%
- WINTRUST FINANCIAL CORPORATION 1.76%
- Popular, Inc. 1.72%
- UMB FINANCIAL CORPORATION 1.65%
- ZIONS BANCORPORATION, NATIONAL ASSOCIATION 1.64%
- SOUTHSTATE BANK CORPORATION 1.58%
Only in XLF
67 total- Berkshire Hathaway Inc 12.08%
- JPMorgan Chase & Co 11.55%
- Visa Inc 7.50%
- Mastercard Inc 5.46%
- Bank of America Corp 4.90%
- Goldman Sachs Group Inc/The 3.93%
- Wells Fargo & Co 3.33%
- Morgan Stanley 3.30%
- Citigroup Inc 3.14%
- American Express Co 2.37%
Related comparisons
More comparisons with IAT
- IAT vs IXG · iShares Global Financials ETF 3.0%
- IAT vs VGT · Vanguard Information Technology Index Fund ETF Shares 0.0%
- IAT vs XLK · State Street Technology Select Sector SPDR ETF 0.0%
- IAT vs KBWB · Invesco KBW Bank ETF 38.7%
- IAT vs KRE · State Street SPDR S&P Regional Banking ETF 30.9%
- IAT vs KBE · State Street SPDR S&P Bank ETF 29.3%
More comparisons with XLF
- XLF vs KRE · State Street SPDR S&P Regional Banking ETF 2.5%
- XLF vs VGT · Vanguard Information Technology Index Fund ETF Shares 0.0%
- XLF vs XLK · State Street Technology Select Sector SPDR ETF 0.0%
- XLF vs FNCL · Fidelity MSCI Financials Index ETF 86.1%
- XLF vs IYG · iShares U.S. Financial Services ETF 84.0%
- XLF vs VFH · Vanguard Financials Index Fund ETF Shares 82.0%
Percentages are holdings overlap with the named fund.
Open IAT or XLF at a brokerage
Both funds trade commission-free at major US brokerages.
Affiliate links — opening an account through these earns PlainIndex a one-time referral. Scoring is computed before any affiliate consideration; see our methodology and funding disclosure.
Holdings overlap is the sum of min(weight_a, weight_b) over positions
matched on ISIN (CUSIP fallback). Methodology: see
/methodology/.
Comparing two funds doesn't endorse swapping one for the other. Tax-lot history, account type, and personal goals matter — PlainIndex publishes data and methodology, not investment advice.