PBUB vs VTI
Portfolio Building Block US Banks ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, PBUB or VTI?
VTI costs less.
VTI has a lower expense ratio. VTI is less concentrated, with 33.5% 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 | VTI |
|---|---|---|
| Expense Ratio | 0.14% | 0.03%Best |
| AUM | $970,000 | $689.2B |
| Dividend Yield | 0.00% | 1.06% |
| Holdings | 19 | 3,524 |
| YTD Return | -0.65% | +11.43%Best |
| 1Y Return | - | +12.49% |
| 3Y Return (annualized) | - | +23.15% |
| 5Y Return (annualized) | - | +10.85% |
| Top 10 Weight | 68.7% | 33.5%Best |
| Fund Family | Portfolio Building Block ETFs | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Sep 24, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
PBUB vs VTI 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 VTI Performance
Portfolio Building Block US Banks ETF (PBUB) is an ETF from Portfolio Building Block ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, PBUB is down 0.65% versus a gain of 11.43% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
PBUB charges 0.14% per year while VTI charges 0.03%. On a $10,000 position that is $14 vs $3 annually, a gap of $11 per year that compounds over a long holding period. On income, PBUB currently yields 0.00% against 1.06% for VTI.
Holdings Overlap
99.8% of PBUB's money is in holdings VTI also owns. 3.2% of VTI's money is in holdings PBUB also owns.
Most of PBUB is already inside VTI. Owning both mostly buys the same companies twice.
18 positions in common, counted across the 19 positions we hold weights for in PBUB and 3,441 in VTI, against full books of 19 and 3,524.
What only one of them owns
Measured across the 19 and 3,441 positions we hold weights for.
VTI holds 1,138 positions PBUB does not, 94.5% of the fund.
Largest: NVDA 6.88%, AAPL 6.30%, MSFT 5.11%, AMZN 3.41%, GOOGL 2.70%
Top Shared Holdings
| Stock | Weight in PBUB | Weight in VTI | Difference |
|---|---|---|---|
| JPMJpmorgan Chase | 14.68% | 1.29% | 13.39% |
| BACBank of America Corp.: Financials | 12.21% | 0.54% | 11.67% |
| WFCWells Fargo & Co. | 7.96% | 0.36% | 7.60% |
| CCitigroup Inc. | 6.96% | 0.30% | 6.66% |
| EWBCEast West Bancorp, Inc. | 4.74% | 0.02% | 4.72% |
| FITBFifth Third Bancorp | 4.55% | 0.07% | 4.48% |
| USBUS Bancorp | 4.36% | 0.13% | 4.23% |
| FCNCAFirst Citizens BancShares Inc | 4.47% | 0.02% | 4.45% |
| HBANHuntington Bancshares Inc./Oh | 4.41% | 0.05% | 4.36% |
| MTBM&T Bank Corp | 4.38% | 0.05% | 4.33% |
99.8% of PBUB 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, PBUB or VTI?
PBUB has an expense ratio of 0.14% while VTI charges 0.03%. VTI is the cheaper option, by $11 a year on a $10,000 investment.
What is the holdings overlap between PBUB and VTI?
99.8% of PBUB's money is in holdings VTI also owns. 3.2% of VTI's is in holdings PBUB also owns. They hold 18 positions in common, counted across the 19 positions we hold weights for in PBUB and 3,441 in VTI.
Which pays a higher dividend, PBUB or VTI?
PBUB yields 0.00% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than PBUB?
VTI has a lower expense ratio. VTI is less concentrated, with 33.5% 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.