Editor's Note: Any reference to TheStreet Ratings and its underlying recommendation does not reflect the opinion of TheStreet, Inc. or any of its contributors including Jim Cramer or Stephanie Link. All three major indices are trading down today with the Dow Jones Industrial Average ( ^DJI) trading down 74 points (-0.4%) at 17,027 as of Monday, July 21, 2014, 12:55 PM ET. The NYSE advances/declines ratio sits at 889 issues advancing vs. 2,085 declining with 146 unchanged. The Financial Services industry currently sits down 0.1% versus the S&P 500, which is down 0.4%. On the negative front, top decliners within the industry include EZCorp ( EZPW), down 11.5%, WisdomTree Investments ( WETF), down 4.4%, Legg Mason ( LM), down 1.4%, E*Trade Financial ( ETFC), down 1.1% and Nomura Holdings ( NMR), down 1.1%. TheStreet would like to highlight 3 stocks pushing the industry lower today: 3. Charles Schwab ( SCHW) is one of the companies pushing the Financial Services industry lower today. As of noon trading, Charles Schwab is down $0.21 (-0.8%) to $27.60 on light volume. Thus far, 2.0 million shares of Charles Schwab exchanged hands as compared to its average daily volume of 6.4 million shares. The stock has ranged in price between $27.48-$27.76 after having opened the day at $27.73 as compared to the previous trading day's close of $27.81. The Charles Schwab Corporation, through its subsidiaries, provides securities brokerage, banking, money management, and financial advisory services. The company operates through two segments, Investor Services and Advisor Services. Charles Schwab has a market cap of $35.9 billion and is part of the financial sector. Shares are up 7.0% 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 7 rate it a hold. TheStreet Ratings rates Charles Schwab as a buy. The company's strengths can be seen in multiple areas, such as its revenue growth, impressive record of earnings per share growth, compelling growth in net income, expanding profit margins and solid stock price performance. We feel these strengths outweigh the fact that the company is trading at a premium valuation based on our review of its current price compared to such things as earnings and book value. Get the full Charles Schwab Ratings Report now. STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.