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 down today with the Dow Jones Industrial Average ( ^DJI) trading down 20 points (-0.2%) at 12,795 as of Monday, Nov. 12, 2012, 11:49 AM ET. The NYSE advances/declines ratio sits at 1,283 issues advancing vs. 1,555 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 National Bank of Greece ( NBG), down 12.3%, Chubb ( CB), down 1.1%, Vornado Realty ( VNO), down 1.2%, Mitsubishi UFJ Financial Group ( MTU), down 1.0% and American Tower ( AMT), down 0.7%. Top gainers within the sector include Chimera Investment Corporation ( CIM), up 7.1%, Lloyds Banking Group ( LYG), up 3.7%, Royal Bank of Scotland Group (The ( RBS), up 2.6%, BanColombia ( CIB), up 2.2% and Woori Finance Holdings ( WF), up 1.9%. TheStreet Ratings group would like to highlight 5 stocks pushing the sector lower today: 5. Charles Schwab ( SCHW) is one of the companies pushing the Financial sector lower today. As of noon trading, Charles Schwab is down $0.16 (-1.2%) to $12.90 on light volume Thus far, 3.0 million shares of Charles Schwab exchanged hands as compared to its average daily volume of 10.3 million shares. The stock has ranged in price between $12.88-$13.11 after having opened the day at $13.06 as compared to the previous trading day's close of $13.06. The Charles Schwab Corporation, through its subsidiaries, provides securities brokerage, banking, and related financial services to individuals and institutional clients. Charles Schwab has a market cap of $16.8 billion and is part of the financial services industry. The company has a P/E ratio of 19.7, above the S&P 500 P/E ratio of 17.7. Shares are up 16.0% year to date as of the close of trading on Friday. Currently there are 4 analysts that rate Charles Schwab a buy, 2 analysts rate it a sell, and 9 rate it a hold. TheStreet Ratings rates Charles Schwab as a hold. The company's strengths can be seen in multiple areas, such as its revenue growth, good cash flow from operations and expanding profit margins. However, as a counter to these strengths, we find that the company's return on equity has been disappointing. Get the full Charles Schwab Ratings Report now.