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 All three major indices are trading up today with the Dow Jones Industrial Average ( ^DJI) trading up 146 points (1.1%) at 13,259 as of Tuesday, Nov. 6, 2012, 11:49 AM ET. The NYSE advances/declines ratio sits at 2,070 issues advancing vs. 801 declining with 135 unchanged. The Financial sector currently sits up 0.4% versus the S&P 500, which is up 0.9%. On the negative front, top decliners within the sector include Annaly Capital Management ( NLY), down 3.0%, American Capital Agency ( AGNC), down 1.9%, Banco De Chile ( BCH), down 1.3% and General Growth Properties ( GGP), down 0.8%. Top gainers within the sector include AmTrust Financial Services ( AFSI), up 12.7%, Lloyds Banking Group ( LYG), up 4.0%, Discover Financial Services ( DFS), up 3.1%, Credit Suisse Group ( CS), up 3.0% and UBS ( UBS), up 2.8%. TheStreet Ratings group would like to highlight 3 stocks pushing the sector lower today: 3. Banco Santander ( SAN) is one of the companies pushing the Financial sector lower today. As of noon trading, Banco Santander is down $0.04 (-0.6%) to $7.30 on light volume Thus far, 680,739 shares of Banco Santander exchanged hands as compared to its average daily volume of 4.1 million shares. The stock has ranged in price between $7.27-$7.32 after having opened the day at $7.29 as compared to the previous trading day's close of $7.35. Banco Santander-Chile provides commercial and retail banking services to corporate and individual customers in Chile. Banco Santander has a market cap of $75.0 billion and is part of the banking industry. The company has a P/E ratio of 0.0, below the S&P 500 P/E ratio of 17.7. Shares are down 2.3% year to date as of the close of trading on Monday. Currently there are no analysts that rate Banco Santander a buy, 2 analysts rate it a sell, and 3 rate it a hold. TheStreet Ratings rates Banco Santander as a hold. The company's strengths can be seen in multiple areas, such as its revenue growth, 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, premium valuation and deteriorating net income. Get the full Banco Santander Ratings Report now.