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The Banking industry as a whole closed the day down 0.8% versus the S&P 500, which was down 1.8%. Laggards within the Banking industry included MSB Financial ( MSBF), down 2.4%, OptimumBank Holdings ( OPHC), down 4.2%, Porter Bancorp ( PBIB), down 2.8%, Fauquier Bankshares ( FBSS), down 3.7% and Hawthorn ( HWBK), down 1.6%.

TheStreet Ratings Group would like to highlight 3 stocks that pushed the industry lower today:

Royal Bank of Scotland Group (The ( RBS) is one of the companies that pushed the Banking industry lower today. Royal Bank of Scotland Group (The was down $0.37 (3.0%) to $11.91 on light volume. Throughout the day, 348,684 shares of Royal Bank of Scotland Group (The exchanged hands as compared to its average daily volume of 772,300 shares. The stock ranged in price between $11.88-$12.10 after having opened the day at $12.05 as compared to the previous trading day's close of $12.28.

The Royal Bank of Scotland Group plc, through its subsidiaries, provides banking and financial products and services to personal, commercial, corporate, and institutional customers worldwide. Royal Bank of Scotland Group (The has a market cap of $68.1 billion and is part of the financial sector. Shares are up 8.4% year-to-date as of the close of trading on Wednesday. Currently there is 1 analyst who rates Royal Bank of Scotland Group (The a buy, 1 analyst rates it a sell, and none rate it a hold.

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TheStreet Ratings rates Royal Bank of Scotland Group (The as a hold. The company's strengths can be seen in multiple areas, such as its revenue growth, increase in net income and expanding profit margins. However, as a counter to these strengths, we find that the company's return on equity has been disappointing.

Highlights from TheStreet Ratings analysis on RBS go as follows:

  • RBS's revenue growth has slightly outpaced the industry average of 4.6%. Since the same quarter one year prior, revenues slightly increased by 0.2%. Growth in the company's revenue appears to have helped boost the earnings per share.
  • The net income growth from the same quarter one year ago has significantly exceeded that of the S&P 500 and the Commercial Banks industry. The net income increased by 194.1% when compared to the same quarter one year prior, rising from $720.15 million to $2,117.73 million.
  • Compared to where it was 12 months ago, the stock is up, but it has so far lagged the appreciation in the S&P 500. Despite the fact that it has already risen in the past year, there is currently no conclusive evidence that warrants the purchase or sale of this stock.
  • ROYAL BANK OF SCOTLAND GROUP reported significant earnings per share improvement in the most recent quarter compared to the same quarter a year ago. This company has reported somewhat volatile earnings recently. But, we feel it is poised for EPS growth in the coming year. During the past fiscal year, ROYAL BANK OF SCOTLAND GROUP reported poor results of -$2.68 versus -$1.72 in the prior year. This year, the market expects an improvement in earnings ($56.04 versus -$2.68).
  • Current return on equity is lower than its ROE from the same quarter one year prior. This is a clear sign of weakness within the company. Compared to other companies in the Commercial Banks industry and the overall market, ROYAL BANK OF SCOTLAND GROUP's return on equity significantly trails that of both the industry average and the S&P 500.

You can view the full analysis from the report here: Royal Bank of Scotland Group (The Ratings Report

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At the close, Fauquier Bankshares ( FBSS) was down $0.59 (3.7%) to $15.32 on average volume. Throughout the day, 1,469 shares of Fauquier Bankshares exchanged hands as compared to its average daily volume of 1,700 shares. The stock ranged in price between $15.32-$16.00 after having opened the day at $15.84 as compared to the previous trading day's close of $15.91.

Fauquier Bankshares, Inc. operates as a bank holding company for The Fauquier Bank that provides various consumer and commercial banking services to individuals, businesses, and industries in Virginia. Fauquier Bankshares has a market cap of $59.7 million and is part of the financial sector. Shares are up 16.1% year-to-date as of the close of trading on Wednesday.

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TheStreet Ratings rates Fauquier Bankshares as a buy. The company's strengths can be seen in multiple areas, such as its solid stock price performance, increase in net income, good cash flow from operations, expanding profit margins and growth in earnings per share. Although the company may harbor some minor weaknesses, we feel they are unlikely to have a significant impact on results.

Highlights from TheStreet Ratings analysis on FBSS go as follows:

  • Investors have apparently begun to recognize positive factors similar to those we have mentioned in this report, including earnings growth. This has helped drive up the company's shares by a sharp 27.74% over the past year, a rise that has exceeded that of the S&P 500 Index. Turning to the future, naturally, any stock can fall in a major bear market. However, in almost any other environment, the stock should continue to move higher despite the fact that it has already enjoyed nice gains in the past year.
  • The net income growth from the same quarter one year ago has exceeded that of the S&P 500 and the Commercial Banks industry average. The net income increased by 3.2% when compared to the same quarter one year prior, going from $0.96 million to $0.99 million.
  • Net operating cash flow has slightly increased to $1.34 million or 3.16% when compared to the same quarter last year. In addition, FAUQUIER BANKSHARES INC has also vastly surpassed the industry average cash flow growth rate of -98.65%.
  • The gross profit margin for FAUQUIER BANKSHARES INC is currently very high, coming in at 90.61%. It has increased from the same quarter the previous year. Despite the strong results of the gross profit margin, FBSS's net profit margin of 14.32% significantly trails the industry average.
  • FAUQUIER BANKSHARES INC's earnings per share improvement from the most recent quarter was slightly positive. The company has demonstrated a pattern of positive earnings per share growth over the past two years. During the past fiscal year, FAUQUIER BANKSHARES INC increased its bottom line by earning $1.16 versus $0.56 in the prior year.

You can view the full analysis from the report here: Fauquier Bankshares Ratings Report

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Porter Bancorp ( PBIB) was another company that pushed the Banking industry lower today. Porter Bancorp was down $0.03 (2.8%) to $1.05 on light volume. Throughout the day, 2,587 shares of Porter Bancorp exchanged hands as compared to its average daily volume of 17,100 shares. The stock ranged in price between $1.05-$1.13 after having opened the day at $1.09 as compared to the previous trading day's close of $1.08.

Porter Bancorp, Inc. operates as the bank holding company for PBI Bank that provides commercial and personal banking products and services, and financial services in Central Kentucky and Louisville. Porter Bancorp has a market cap of $13.9 million and is part of the financial sector. Shares are up 7.0% year-to-date as of the close of trading on Wednesday.

TheStreet Ratings rates Porter Bancorp as a sell. The company's weaknesses can be seen in multiple areas, such as its unimpressive growth in net income and weak operating cash flow.

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Highlights from TheStreet Ratings analysis on PBIB go as follows:

  • The company, on the basis of change in net income from the same quarter one year ago, has significantly underperformed when compared to that of the S&P 500 and the Commercial Banks industry. The net income has significantly decreased by 315.9% when compared to the same quarter one year ago, falling from -$0.07 million to -$0.29 million.
  • Net operating cash flow has significantly decreased to -$0.28 million or 109.98% when compared to the same quarter last year. In addition, when comparing the cash generation rate to the industry average, the firm's growth is significantly lower.
  • The company's current return on equity greatly increased when compared to its ROE from the same quarter one year prior. This is a signal of significant strength within the corporation. Compared to other companies in the Commercial Banks industry and the overall market, PORTER BANCORP INC's return on equity significantly trails that of both the industry average and the S&P 500.
  • PBIB, with its decline in revenue, underperformed when compared the industry average of 4.6%. Since the same quarter one year prior, revenues fell by 16.2%. The declining revenue appears to have seeped down to the company's bottom line, decreasing earnings per share.
  • PORTER BANCORP INC has experienced a steep decline in earnings per share in the most recent quarter in comparison to its performance from the same quarter a year ago. This company has not demonstrated a clear trend in earnings over the past 2 years, making it difficult to accurately predict earnings for the coming year. During the past fiscal year, PORTER BANCORP INC continued to lose money by earning -$0.28 versus -$2.83 in the prior year.

You can view the full analysis from the report here: Porter Bancorp Ratings Report

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