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 One out of the three major indices are trading lower today with the Dow Jones Industrial Average ( ^DJI) trading down 30 points (-0.2%) at 15,089 as of Monday, May 13, 2013, 12:50 PM ET. The NYSE advances/declines ratio sits at 1,245 issues advancing vs. 1,704 declining with 112 unchanged. The Banking industry currently sits up 0.1% versus the S&P 500, which is unchanged. A company within the industry that fell today was Banco Santander ( SAN), up 1.86. TheStreet Ratings group would like to highlight 3 stocks pushing the industry lower today: 3. Lloyds Banking Group ( LYG) is one of the companies pushing the Banking industry lower today. As of noon trading, Lloyds Banking Group is down $0.06 (-1.8%) to $3.56 on heavy volume Thus far, 2.0 million shares of Lloyds Banking Group exchanged hands as compared to its average daily volume of 2.3 million shares. The stock has ranged in price between $3.53-$3.58 after having opened the day at $3.56 as compared to the previous trading day's close of $3.63. Lloyds Banking Group plc provides banking and financial services to personal, commercial, and corporate customers in the United Kingdom and internationally. The company operates in four divisions: Retail; Commercial Banking; Wealth, Asset Finance, and International; and Insurance. Lloyds Banking Group has a market cap of $62.9 billion and is part of the financial sector. The company has a P/E ratio of 11.9, below the S&P 500 P/E ratio of 17.7. Shares are up 11.6% year to date as of the close of trading on Friday. TheStreet Ratings rates Lloyds Banking Group as a hold. The company's strengths can be seen in multiple areas, such as its solid stock price performance, expanding profit margins and notable return on equity. However, as a counter to these strengths, we find that the growth in the company's net income has been quite unimpressive. Get the full Lloyds Banking Group 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.