PBUB vs SPY
Portfolio Building Block US Banks ETF vs State Street SPDR S&P 500 ETF Trust
Which is better, PBUB or SPY?
SPY costs less.
SPY has a lower expense ratio. SPY is less concentrated, with 38.2% of the fund in its ten largest positions against 68.7%.
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 | PBUB | SPY |
|---|---|---|
| Expense Ratio | 0.14% | 0.09%Best |
| AUM | $970,000 | $823.2B |
| Dividend Yield | 0.00% | 0.99% |
| Holdings | 19 | 1,515 |
| YTD Return | -0.56% | +13.54%Best |
| 1Y Return | - | +13.53% |
| 3Y Return (annualized) | - | +24.36% |
| 5Y Return (annualized) | - | +12.64% |
| Top 10 Weight | 68.7% | 38.2%Best |
| Fund Family | Portfolio Building Block ETFs | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Sep 24, 2026 | Jan 22, 1993 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
PBUB vs SPY growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
PBUB vs SPY Performance
Portfolio Building Block US Banks ETF (PBUB) is an ETF from Portfolio Building Block ETFs and State Street SPDR S&P 500 ETF Trust (SPY) is an ETF from State Street Investment Management. Year to date, PBUB is down 0.56% versus a gain of 13.54% for SPY.
Past performance does not guarantee future results.
Fees and Cost Over Time
PBUB charges 0.14% per year while SPY charges 0.09%. On a $10,000 position that is $14 vs $9 annually, a gap of $5 per year that compounds over a long holding period. On income, PBUB currently yields 0.00% against 0.99% for SPY.
Holdings Overlap
81.1% of PBUB's money is in holdings SPY also owns. 3.5% of SPY's money is in holdings PBUB also owns.
Most of PBUB is already inside SPY. Owning both mostly buys the same companies twice.
13 positions in common, counted across the 19 positions we hold weights for in PBUB and 504 in SPY, against full books of 19 and 1,515.
What only one of them owns
Measured across the 19 and 504 positions we hold weights for.
SPY holds 484 positions PBUB does not, 95.8% of the fund.
Largest: NVDA 7.78%, AAPL 7.45%, MSFT 5.71%, AMZN 3.78%, GOOGL 3.12%
Top Shared Holdings
| Stock | Weight in PBUB | Weight in SPY | Difference |
|---|---|---|---|
| JPMJpmorgan Chase | 14.68% | 1.43% | 13.25% |
| BACBank of America Corp.: Financials | 12.21% | 0.59% | 11.62% |
| WFCWells Fargo & Co. | 7.96% | 0.41% | 7.55% |
| CCitigroup Inc. | 6.96% | 0.35% | 6.61% |
| FITBFifth Third Bancorp | 4.55% | 0.07% | 4.48% |
| USBUS Bancorp | 4.36% | 0.15% | 4.21% |
| HBANHuntington Bancshares Inc./Oh | 4.41% | 0.05% | 4.36% |
| PNCPnc Financial Services Group Inc. | 4.30% | 0.15% | 4.15% |
| MTBM&T Bank Corp | 4.38% | 0.05% | 4.33% |
| TFCTruist Financial Corp. | 4.32% | 0.10% | 4.22% |
81.1% of PBUB is already inside SPY.
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, PBUB or SPY?
PBUB has an expense ratio of 0.14% while SPY charges 0.09%. SPY is the cheaper option, by $5 a year on a $10,000 investment.
What is the holdings overlap between PBUB and SPY?
81.1% of PBUB's money is in holdings SPY also owns. 3.5% of SPY's is in holdings PBUB also owns. They hold 13 positions in common, counted across the 19 positions we hold weights for in PBUB and 504 in SPY.
Which pays a higher dividend, PBUB or SPY?
PBUB yields 0.00% while SPY yields 0.99%, so SPY currently pays the higher dividend yield.
Is SPY better than PBUB?
SPY has a lower expense ratio. SPY is less concentrated, with 38.2% of the fund in its ten largest positions against 68.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.