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.

One out of the three major indices are trading lower today with the Dow Jones Industrial Average ( ^DJI) trading up 53 points (0.3%) at 16,712 as of Friday, Oct. 10, 2014, 12:55 PM ET. The NYSE advances/declines ratio sits at 1,328 issues advancing vs. 1,700 declining with 123 unchanged.

The Banking industry currently sits up 0.4% versus the S&P 500, which is up 0.1%. On the negative front, top decliners within the industry include Mitsubishi UFJ Financial Group ( MTU), down 1.5%, Canadian Imperial Bank of Commerce ( CM), down 1.3%, Bank of Montreal ( BMO), down 1.2%, Deutsche Bank ( DB), down 1.3% and Citigroup ( C), down 1.0%.

TheStreet would like to highlight 3 stocks pushing the industry lower today:

3. UBS ( UBS) is one of the companies pushing the Banking industry lower today. As of noon trading, UBS is down $0.11 (-0.7%) to $16.07 on average volume. Thus far, 1.2 million shares of UBS exchanged hands as compared to its average daily volume of 2.3 million shares. The stock has ranged in price between $15.96-$16.25 after having opened the day at $16.18 as compared to the previous trading day's close of $16.18.

UBS AG, a financial services firm, provides retail, wealth management, corporate and institutional banking, asset management, and investment banking products and services worldwide. The company's Wealth Management division provides financial services to high net worth individuals. UBS has a market cap of $63.2 billion and is part of the financial sector. Shares are down 15.9% year-to-date as of the close of trading on Thursday. Currently there are 3 analysts that rate UBS a buy, no analysts rate it a sell, and 1 rates it a hold.

TheStreet Ratings rates UBS as a hold. The company's strengths can be seen in multiple areas, such as its revenue growth, impressive record of earnings per share growth and compelling growth in net income. However, as a counter to these strengths, we also find weaknesses including weak operating cash flow, a generally disappointing performance in the stock itself and poor profit margins. Get the full UBS 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.

2. As of noon trading, HDFC Bank ( HDB) is down $0.88 (-1.8%) to $47.29 on light volume. Thus far, 233,776 shares of HDFC Bank exchanged hands as compared to its average daily volume of 795,600 shares. The stock has ranged in price between $47.03-$47.99 after having opened the day at $47.77 as compared to the previous trading day's close of $48.17.

HDFC Bank Limited, together with its subsidiaries, provides a range of banking and financial services to individuals and businesses in India, as well as in Bahrain and Hong Kong. The company operates in four segments: Retail Banking, Wholesale Banking, Treasury, and Other Banking Operations. HDFC Bank has a market cap of $38.5 billion and is part of the financial sector. Shares are up 39.9% year-to-date as of the close of trading on Thursday. Currently there are 2 analysts that rate HDFC Bank a buy, no analysts rate it a sell, and none rate it a hold.

TheStreet Ratings rates HDFC Bank as a buy. The company's strengths can be seen in multiple areas, such as its revenue growth, notable return on equity, compelling growth in net income, solid stock price performance and expanding profit margins. 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 HDFC Bank 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.

1. As of noon trading, Toronto-Dominion Bank ( TD) is down $0.85 (-1.8%) to $47.60 on heavy volume. Thus far, 849,842 shares of Toronto-Dominion Bank exchanged hands as compared to its average daily volume of 1.1 million shares. The stock has ranged in price between $47.53-$48.33 after having opened the day at $48.30 as compared to the previous trading day's close of $48.45.

The Toronto-Dominion Bank, together with its subsidiaries, provides financial and banking services in North America and internationally. Toronto-Dominion Bank has a market cap of $89.9 billion and is part of the financial sector. Shares are up 2.8% year-to-date as of the close of trading on Thursday. Currently there are 5 analysts that rate Toronto-Dominion Bank a buy, no analysts rate it a sell, and none rate it a hold.

TheStreet Ratings rates Toronto-Dominion Bank 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 good cash flow from operations. Although no company is perfect, currently we do not see any significant weaknesses which are likely to detract from the generally positive outlook. Get the full Toronto-Dominion Bank 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.

If you are interested in one of these 3 stocks, ETFs may be of interest. Investors who are bullish on the banking industry could consider KBW Bank ETF ( KBE) while those bearish on the banking industry could consider ProShares Short KBW Regional Bankng ( KRS).

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