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. Two out of the three major indices are trading lower today with the Dow Jones Industrial Average ( ^DJI) trading down 48 points (-0.3%) at 16,864 as of Wednesday, July 30, 2014, 12:55 PM ET. The NYSE advances/declines ratio sits at 1,073 issues advancing vs. 1,897 declining with 171 unchanged. The Banking industry currently sits up 0.4% versus the S&P 500, which is down 0.1%. A company within the industry that fell today was Credit Suisse Group ( CS), up 1.0%. Top gainers within the industry include HDFC Bank ( HDB), up 1.0%, Mitsubishi UFJ Financial Group ( MTU), up 0.9%, Citigroup ( C), up 0.9% and Wells Fargo ( WFC), up 0.7%. TheStreet would like to highlight 3 stocks pushing the industry lower today: 3. Bank of Montreal ( BMO) is one of the companies pushing the Banking industry lower today. As of noon trading, Bank of Montreal is down $0.95 (-1.2%) to $74.93 on heavy volume. Thus far, 285,281 shares of Bank of Montreal exchanged hands as compared to its average daily volume of 278,600 shares. The stock has ranged in price between $74.76-$75.16 after having opened the day at $74.96 as compared to the previous trading day's close of $75.88. Bank of Montreal provides various retail banking, wealth management, and investment banking products and services in Canada, the United States, and internationally. Bank of Montreal has a market cap of $49.2 billion and is part of the financial sector. Shares are up 13.8% year-to-date as of the close of trading on Tuesday. Currently there is 1 analyst that rates Bank of Montreal a buy, 1 analyst rates it a sell, and 3 rate it a hold. TheStreet Ratings rates Bank of Montreal as a hold. The company's strengths can be seen in multiple areas, such as its revenue growth, solid stock price performance and growth in earnings per share. However, as a counter to these strengths, we also find weaknesses including weak operating cash flow and disappointing return on equity. Get the full Bank of Montreal 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.