Two out of the three major indices are trading up today with the

Dow Jones Industrial Average

(

^DJI

) trading up 21 points (0.1%) at 16,188 as of Wednesday, Jan. 27, 2016, 11:55 AM ET. The NYSE advances/declines ratio sits at 1,791 issues advancing vs. 1,124 declining with 176 unchanged.

The Banking industry currently sits up 1.1% versus the S&P 500, which is up 0.2%. Top gainers within the industry include

Mitsubishi UFJ Financial Group

(

MTU

), up 2.9%,

Bank of Nova Scotia

(

BNS

), up 2.6%,

PNC Financial Services Group

(

PNC

), up 2.3%,

BB&T

(

BBT

), up 2.3% and

Royal Bank Of Canada

(

RY

), up 1.8%.

TheStreet would like to highlight 3 stocks pushing the industry lower today:

3.

Royal Bank of Scotland Group (The

(

RBS

) is one of the companies pushing the Banking industry lower today. As of noon trading, Royal Bank of Scotland Group (The is down $0.21 (-2.8%) to $7.35 on heavy volume. Thus far, 786,108 shares of Royal Bank of Scotland Group (The exchanged hands as compared to its average daily volume of 767,200 shares. The stock has ranged in price between $7.18-$7.35 after having opened the day at $7.24 as compared to the previous trading day's close of $7.56.

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The Royal Bank of Scotland Group plc, through its subsidiaries, provides banking and financial products and services to personal, commercial, corporate, and institutional customers worldwide. Royal Bank of Scotland Group (The has a market cap of $41.6 billion and is part of the financial sector. Shares are down 14.8% year-to-date as of the close of trading on Tuesday. Currently there is 1 analyst that rates Royal Bank of Scotland Group (The a buy, no analysts rate it a sell, and none rate it a hold.

TheStreet Ratings rates

Royal Bank of Scotland Group (The

as a

hold

. The company's strengths can be seen in multiple areas, such as its increase in net income and notable return on equity. However, as a counter to these strengths, we find that the stock has had a generally disappointing performance in the past year. Get the full

Royal Bank of Scotland Group (The Ratings Report

now.

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2. As of noon trading,

Lloyds Banking Group

(

LYG

) is down $0.05 (-1.3%) to $3.77 on average volume. Thus far, 2.2 million shares of Lloyds Banking Group exchanged hands as compared to its average daily volume of 4.8 million shares. The stock has ranged in price between $3.70-$3.77 after having opened the day at $3.71 as compared to the previous trading day's close of $3.82.

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Lloyds Banking Group plc provides a range of banking and financial services to individuals and businesses in the United Kingdom and internationally. The company operates through five segments: Retail, Commercial Banking, Consumer Finance, Insurance, and TSB. Lloyds Banking Group has a market cap of $65.4 billion and is part of the financial sector. Shares are down 12.4% year-to-date as of the close of trading on Tuesday. Currently there are 2 analysts that rate Lloyds Banking Group a buy, no analysts rate it a sell, and none rate it a hold.

TheStreet Ratings rates

Lloyds Banking Group

as a

hold

. The company's strengths can be seen in multiple areas, such as its expanding profit margins and notable return on equity. However, as a counter to these strengths, we also find weaknesses including a generally disappointing performance in the stock itself and unimpressive growth in net income. Get the full

Lloyds Banking Group Ratings Report

now.

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1. As of noon trading,

State Street

(

STT

) is down $2.39 (-4.3%) to $53.54 on heavy volume. Thus far, 2.2 million shares of State Street exchanged hands as compared to its average daily volume of 2.6 million shares. The stock has ranged in price between $52.60-$54.15 after having opened the day at $53.78 as compared to the previous trading day's close of $55.93.

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State Street Corporation provides a range of financial products and services to institutional investors worldwide. State Street has a market cap of $21.9 billion and is part of the financial sector. Shares are down 15.7% year-to-date as of the close of trading on Tuesday. Currently there are 6 analysts that rate State Street a buy, 2 analysts rate it a sell, and 7 rate it a hold.

TheStreet Ratings rates

State Street

as a

buy

. The company's strengths can be seen in multiple areas, such as its increase in net income, good cash flow from operations, expanding profit margins and growth in earnings per share. We feel its strengths outweigh the fact that the company has had lackluster performance in the stock itself. Get the full

State Street Ratings Report

now.

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If you are interested in one of these 3 stocks, ETFs may be of interest. Investors who are bullish on the banking industry could consider

KBW Bank ETF

(

KBE

) while those bearish on the banking industry could consider

ProShares Short KBW Regional Bankng

(

KRS

).