SPDR S&P Regional Banking ETF vs. iShares U.S. Regional Banks ETF: Higher Interest Rates Are Exposing a Critical Difference for 2027
Published . Updated .
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The next phase of the interest rate cycle could create very different winners and losers across America's regional banking industry.
Directly affected
- No company is named in this report.
Indirectly affected
- XLF Financial Select Sector SPDR+1.0% 19d
Financial Select Sector SPDR: it holds banks. Linked by “banks” (banks) in this story.
- KRE SPDR S&P Regional Banking ETF+0.3% 30d
SPDR S&P Regional Banking ETF: it holds banks. Linked by “banks” (banks) in this story.
- TLT iShares 20+ Year Treasury Bond ETF-1.2% 19d
iShares 20+ Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story.
- JPM JPMorgan Chase+0.1% 30d
JPMorgan Chase (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banks” (banks) in this story.
- BAC Bank of America-11.4% 30d
Bank of America (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banks” (banks) in this story.
- WFC Wells Fargo+4.4% 30d
Wells Fargo (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banks” (banks) in this story.
- C Citigroup-5.6% 30d
Citigroup (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banks” (banks) in this story.
- GS The Goldman Sachs Group+0.6% 30d
Bank profits move with lending and interest rates. Linked by “regional bank + banks” in this story
Price reaction, T-5 to T+3
| Ticker | T-5 | T-3 | T-1 | T0 | T+1 | T+2 | T+3 |
|---|---|---|---|---|---|---|---|
| XLF | +1.53% | -1.92% | base | -0.19% | after close | after close | after close |
| KRE | +1.42% | -1.21% | base | -0.75% | after close | after close | after close |
| TLT | +1.08% | +1.27% | base | -0.48% | after close | after close | after close |
| JPM | +2.98% | -2.21% | base | -0.11% | after close | after close | after close |
| BAC | +1.83% | -2.53% | base | -0.28% | after close | after close | after close |
| WFC | +1.95% | -2.13% | base | -0.34% | after close | after close | after close |
| C | +2.03% | -2.61% | base | +1.25% | after close | after close | after close |
| GS | +1.98% | -4.87% | base | +1.42% | after close | after close | after close |
Closing-price change versus T-1, the last close before the story. T0 to T+3 fill in after each market close. Prices: Alpaca IEX.
SPDR S&P Regional Banking ETF vs. iShares U.S. Regional Banks ETF: Higher Interest Rates Are Exposing a Critical Difference for 2027 The Motley Fool
Source: The Motley Fool
Price since this story was published: Select Sector Spdr Tr (XLF)
| Company | When | Move | Status |
|---|---|---|---|
| Bank Of America (BAC) | that day | -0.28% | still updating |
| Bank Of America (BAC) | three days earlier | -2.53% | final price |
| Bank Of America (BAC) | five days earlier | +1.83% | final price |
| Citigroup (C) | that day | +1.25% | still updating |
| Citigroup (C) | three days earlier | -2.61% | final price |
| Citigroup (C) | five days earlier | +2.03% | final price |
| Goldman Sachs Group (GS) | that day | +1.42% | still updating |
| Goldman Sachs Group (GS) | three days earlier | -4.87% | final price |
| Goldman Sachs Group (GS) | five days earlier | +1.98% | final price |
| Jpmorgan Chase (JPM) | that day | -0.11% | still updating |
| Jpmorgan Chase (JPM) | three days earlier | -2.21% | final price |
| Jpmorgan Chase (JPM) | five days earlier | +2.98% | final price |
| Spdr Series Trust (KRE) | that day | -0.75% | still updating |
| Spdr Series Trust (KRE) | three days earlier | -1.21% | final price |
| Spdr Series Trust (KRE) | five days earlier | +1.42% | final price |
| Ishares Tr (TLT) | that day | -0.48% | still updating |
| Ishares Tr (TLT) | three days earlier | +1.27% | final price |
| Ishares Tr (TLT) | five days earlier | +1.08% | final price |
| Wells Fargo (WFC) | that day | -0.34% | still updating |
| Wells Fargo (WFC) | three days earlier | -2.13% | final price |
| Wells Fargo (WFC) | five days earlier | +1.95% | final price |
| Select Sector Spdr Tr (XLF) | that day | -0.19% | still updating |
| Select Sector Spdr Tr (XLF) | three days earlier | -1.92% | final price |
| Select Sector Spdr Tr (XLF) | five days earlier | +1.53% | final price |
Congressional trades in the stocks in this story
- Rep. Rohit Khanna bought Jpmorgan Chase (JPM) (held by a dependent child), worth $1,001 - $15,000 on 15 Oct 2026. That is 27 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna bought Jpmorgan Chase (JPM) (held by a spouse), worth $100,001 - $250,000 on 8 Oct 2026. That is 34 days before publication. Filed 5 Nov 2026. View the filing.
- Sen. Sheldon Whitehouse sold Jpmorgan Chase (JPM) (held by a spouse), worth $15,001 - $50,000 on 4 Sep 2026. That is 68 days before publication. Filed 1 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Bank Of America (BAC) (held by a spouse), worth $1,001 - $15,000 on 20 Oct 2026. That is 22 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna sold Bank Of America (BAC) (held by a dependent child), worth $1,001 - $15,000 on 13 Oct 2026. That is 29 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna sold Bank Of America (BAC) (held by a spouse), worth $1,001 - $15,000 on 9 Sep 2026. That is 63 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a dependent child), worth $250,001 - $500,000 on 15 Oct 2026. That is 27 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a spouse), worth $1,001 - $15,000 on 1 Oct 2026. That is 41 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a spouse), worth $1,001 - $15,000 on 25 Sep 2026. That is 47 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Maria Elvira Salazar sold Citigroup (C), worth $1,001 - $15,000 on 24 Sep 2026. That is 48 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Citigroup (C) (held by a spouse), worth $1,001 - $15,000 on 4 Sep 2026. That is 68 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Maria Elvira Salazar sold Goldman Sachs Group (GS), worth $1,001 - $15,000 on 24 Sep 2026. That is 48 days before publication. Filed 7 Oct 2026. View the filing.
Public disclosure filings, not a recommendation. The filing link is the source document. News use of these reports still sits under 5 U.S.C. § 13107(c).
Who gains and who loses around Select Sector Spdr Tr (XLF)
Companies tied to this story
- XLF Select Sector Spdr Tr
In “SPDR S&P Regional Banking ETF vs. iShares U.S. Regional Banks ETF: Higher Interest Rates Are Exposing a Critical Difference for 2027,” Select Sector Spdr Tr (XLF) is linked, with no stored direction, medium confidence. Reason on file: Financial Select Sector SPDR: it holds banks. Linked by “banks” (banks) in this story
- KRE Spdr Series Trust
Spdr Series Trust (KRE) is linked, with no stored direction, medium confidence in the 11 Nov 2026 story “SPDR S&P Regional Banking ETF vs. iShares U.S. Regional Banks ETF: Higher Interest Rates Are Exposing a Critical Difference for 2027.” Reason on file: SPDR S&P Regional Banking ETF: it holds banks. Linked by “banks” (banks) in this story
- TLT Ishares Tr
In “SPDR S&P Regional Banking ETF vs. iShares U.S. Regional Banks ETF: Higher Interest Rates Are Exposing a Critical Difference for 2027,” Ishares Tr (TLT) is linked, with no stored direction, medium confidence. Reason on file: iShares 20+ Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story
- JPM Jpmorgan Chase
Jpmorgan Chase (JPM) is linked, with no stored direction, medium confidence in the 11 Nov 2026 story “SPDR S&P Regional Banking ETF vs. iShares U.S. Regional Banks ETF: Higher Interest Rates Are Exposing a Critical Difference for 2027.” Reason on file: JPMorgan Chase (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banks” (banks) in this story
- BAC Bank Of America
For “SPDR S&P Regional Banking ETF vs. iShares U.S. Regional Banks ETF: Higher Interest Rates Are Exposing a Critical Difference for 2027,” Bank Of America (BAC) is linked, with no stored direction, medium confidence. Reason on file: Bank of America (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banks” (banks) in this story
- WFC Wells Fargo
Wells Fargo (WFC) is linked, with no stored direction, medium confidence in the 11 Nov 2026 story “SPDR S&P Regional Banking ETF vs. iShares U.S. Regional Banks ETF: Higher Interest Rates Are Exposing a Critical Difference for 2027.” Reason on file: Wells Fargo (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banks” (banks) in this story
- C Citigroup
In “SPDR S&P Regional Banking ETF vs. iShares U.S. Regional Banks ETF: Higher Interest Rates Are Exposing a Critical Difference for 2027,” Citigroup (C) is linked, with no stored direction, medium confidence. Reason on file: Citigroup (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “banks” (banks) in this story
- GS Goldman Sachs Group
For “SPDR S&P Regional Banking ETF vs. iShares U.S. Regional Banks ETF: Higher Interest Rates Are Exposing a Critical Difference for 2027,” Goldman Sachs Group (GS) is linked, with no stored direction, medium confidence. Reason on file: Bank profits move with lending and interest rates. Linked by “regional bank + banks” in this story
Select Sector Spdr Tr (XLF)
On 11 Nov 2026, “SPDR S&P Regional Banking ETF vs. iShares U.S. Regional Banks ETF: Higher Interest Rates Are Exposing a Critical Difference for 2027” is the story that connects Select Sector Spdr Tr (XLF) to this story.
What ties Select Sector Spdr Tr (XLF) to the headline is this: Financial Select Sector SPDR: it holds banks. Linked by “banks” (banks) in this story
A second company, Spdr Series Trust (KRE), is listed for a different reason: SPDR S&P Regional Banking ETF: it holds banks. Linked by “banks” (banks) in this story
Price levels for Select Sector Spdr Tr (XLF)
KRE traded between 67.80 and 71.49 across 18 sessions. The latest close on file is 70.61. TLT traded between 76.44 and 80.56 across 16 sessions. The latest close on file is 79.46. XLF traded between 52.82 and 56.02 across 16 sessions. The latest close on file is 55.07.
What the saved facts support for Select Sector Spdr Tr (XLF)
46 out of 100Price not final
“SPDR S&P Regional Banking ETF vs. iShares U.S. Regional Banks ETF: Higher Interest Rates Are Exposing a Critical Difference for 2027” scores 46 out of 100. The score uses 1 sources, and 8 linked companies. The price is not final yet.