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 62 points (-0.4%) at 14,778 as of Wednesday, May 1, 2013, 12:50 PM ET. The NYSE advances/declines ratio sits at 958 issues advancing vs. 1,966 declining with 114 unchanged. The Financial Services industry currently sits down 0.65 versus the S&P 500, which is down 0.42. On the negative front, top decliners within the industry include Nomura Holdings ( NMR), down 2.81, MasterCard Incorporated ( MA), down 2.56, Bank of New York Mellon ( BK), down 1.35 and Orix Corporation ( IX), down 0.59. A company within the industry that increased today was Western Union Company ( WU), up 5.20. TheStreet Ratings group would like to highlight 5 stocks pushing the industry lower today: 5. Charles Schwab ( SCHW) is one of the companies pushing the Financial Services industry lower today. As of noon trading, Charles Schwab is down $0.32 (-1.9%) to $16.64 on average volume Thus far, 4.4 million shares of Charles Schwab exchanged hands as compared to its average daily volume of 9.5 million shares. The stock has ranged in price between $16.61-$17.00 after having opened the day at $16.94 as compared to the previous trading day's close of $16.96. The Charles Schwab Corporation, through its subsidiaries, provides securities brokerage, banking, money management, and financial advisory services to individuals and institutional clients. The company operates through two segments, Investor Services and Institutional Services. Charles Schwab has a market cap of $21.7 billion and is part of the financial sector. The company has a P/E ratio of 24.6, above the S&P 500 P/E ratio of 17.7. Shares are up 18.1% year to date as of the close of trading on Tuesday. TheStreet Ratings rates Charles Schwab as a buy. The company's strengths can be seen in multiple areas, such as its revenue growth, increase in net income and solid stock price performance. We feel these strengths outweigh the fact that the company shows low profit margins. Get the full Charles Schwab Ratings Report now. Exclusive Offer: Jim Cramer's 'go-to' small/mid-cap guru Bryan Ashenberg only buys stocks he thinks could return 50-100%. See his top picks for 14-days FREE.