Editor's Note: TheStreet ratings do not represent the views of TheStreet's staff or its contributors. Ratings are established by computer based on metrics for performance (which includes growth, stock performance, efficiency and valuation) and risk (volatility and solvency). Companies with poor cash flow or high debt levels tend to earn lower ratings in our model Two out of the three major indices are trading lower today with the Dow Jones Industrial Average ( ^DJI) trading down 10 points (-0.1%) at 13,082 as of Monday, Nov. 5, 2012, 1:34 PM ET. The NYSE advances/declines ratio sits at 1,351 issues advancing vs. 1,574 declining with 129 unchanged. The Financial sector currently sits down 0.1% versus the S&P 500, which is down 0.1%. On the negative front, top decliners within the sector include Nationstar Mortgage Holdings ( NSM), down 8.7%, Ocwen Financial Corporation ( OCN), down 6.7%, Altisource Portfolio Solutions ( ASPS), down 4.6%, BB&T ( BBT), down 2.2% and PNC Financial Services Group ( PNC), down 1.9%. Top gainers within the sector include IntercontinentalExchange ( ICE), up 2.5%, Charles Schwab ( SCHW), up 1.3% and Bank of New York Mellon ( BK), up 1.4%. TheStreet Ratings group would like to highlight 5 stocks pushing the sector lower today: 5. U.S. Bancorp ( USB) is one of the companies pushing the Financial sector lower today. As of noon trading, U.S. Bancorp is down $0.23 (-0.7%) to $33.20 on light volume Thus far, 3.2 million shares of U.S. Bancorp exchanged hands as compared to its average daily volume of 8.4 million shares. The stock has ranged in price between $33.00-$33.41 after having opened the day at $33.27 as compared to the previous trading day's close of $33.43. U.S. Bancorp, a financial services holding company, provides various banking and financial services in the United States. The company offers depository services, such as checking accounts, savings accounts, and time certificate contracts. U.S. Bancorp has a market cap of $63.8 billion and is part of the banking industry. The company has a P/E ratio of 12.0, below the S&P 500 P/E ratio of 17.7. Shares are up 24.4% year to date as of the close of trading on Friday. Currently there are 13 analysts that rate U.S. Bancorp a buy, 1 analyst rates it a sell, and 14 rate it a hold. TheStreet Ratings rates U.S. Bancorp as a buy. The company's strengths can be seen in multiple areas, such as its revenue growth, solid stock price performance, impressive record of earnings per share growth, compelling growth in net income and expanding profit margins. Although the company may harbor some minor weaknesses, we feel they are unlikely to have a significant impact on results. Get the full U.S. Bancorp Ratings Report now.