KBWR vs VTI
Invesco KBW Regional Banking ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, KBWR or VTI?
Small Cap Value against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. KBWR is less concentrated, with 29.9% of the fund in its ten largest positions against 33.3%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | KBWR | VTI |
|---|---|---|
| Expense Ratio | 0.35% | 0.03%Best |
| AUM | $52M | $690.1B |
| Dividend Yield | 2.65% | 1.03% |
| Holdings | 52 | 3,524 |
| Volatility (annualized) | 27.1% | 14.3%Best |
| Max Drawdown | -52.9% | -35.0%Best |
| $10,000 over 14.3 years | $42,732 | $58,293Best |
| Top 10 Weight | 29.9%Best | 33.3% |
| Fund Family | Invesco (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Small Cap Value | Large Cap Blend |
| Inception | Nov 1, 2011 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 228 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. KBWR has data through Feb 20, 2026 and VTI through Oct 6, 2026.
Volatility and max drawdown, and the $10,000 over 14.3 years row, are measured over the window both funds cover: Nov 1, 2011 to Feb 20, 2026 (14.3 years).
Risk: Volatility and Drawdowns
KBWR has been the more volatile fund, with annualized monthly volatility of 27.1% compared with 14.3% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -52.9% for KBWR and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.58. They move together some of the time, and apart the rest.
Fees and Cost Over Time
KBWR charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, KBWR currently yields 2.65% against 1.03% for VTI.
Holdings Overlap
92.0% of KBWR's money is in holdings VTI also owns. 0.3% of VTI's money is in holdings KBWR also owns.
Most of KBWR is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 304 days apart, KBWR as of Sep 30, 2025 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
47 positions in common, counted across the 51 positions we hold weights for in KBWR and 3,463 in VTI, against full books of 52 and 3,524.
What only one of them owns
Our book lists 1,117 positions for VTI that do not appear in our book for KBWR (97.1% of the fund), and 3 for KBWR that do not appear in VTI (4.1%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in KBWR | Weight in VTI | Difference |
|---|---|---|---|
| SSBSouth State Corp | 3.97% | 0.01% | 3.96% |
| UMBFUmb Financial Corp. | 3.66% | 0.01% | 3.65% |
| WTFCWintrust Financial Corp | 3.57% | 0.01% | 3.56% |
| ONBOld National Bancorp/In Common Stock | 3.46% | 0.01% | 3.45% |
| COLBColumbia Banking System Inc Common Stock | 2.79% | 0.01% | 2.78% |
| EBCEastern Bankshares Inc | 2.18% | 0.01% | 2.17% |
| VLYValley National Bancorp | 2.13% | 0.01% | 2.12% |
| BOKFBok Financial Corp. | 2.11% | 0.00% | 2.11% |
| AUBAtlantic Union Bankshares Corp. | 2.07% | 0.01% | 2.06% |
| ABCBAmeris Bancorp Common Stock Usd1.0 | 2.06% | 0.01% | 2.05% |
92.0% of KBWR is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, KBWR or VTI?
KBWR has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which is riskier, KBWR or VTI?
KBWR has been the more volatile fund at 27.1% annualized versus 14.3% for VTI. Worst drawdown: KBWR -52.9% vs VTI -35.0%.
Should I hold both KBWR and VTI?
KBWR and VTI have a monthly-return correlation of 0.58, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between KBWR and VTI?
92.0% of KBWR's money is in holdings VTI also owns. 0.3% of VTI's is in holdings KBWR also owns. They hold 47 positions in common, counted across the 51 positions we hold weights for in KBWR and 3,463 in VTI.
Which pays a higher dividend, KBWR or VTI?
KBWR yields 2.65% while VTI yields 1.03%, so KBWR currently pays the higher dividend yield.
Is VTI better than KBWR?
VTI has a lower expense ratio. VTI led over 1Y and the full window. KBWR is less concentrated, with 29.9% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.