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 223.03 points (-1.3%) at 16,321 as of Monday, Oct. 13, 2014, 4:20 PM ET. The NYSE advances/declines ratio sits at 968 issues advancing vs. 2,084 declining with 146 unchanged.

The Financial Services industry as a whole closed the day down 0.9% versus the S&P 500, which was down 1.6%. Top gainers within the Financial Services industry included US Global Investors ( GROW), up 3.3%, First Marblehead ( FMD), up 7.7%, Latin American Discovery Fund ( LDF), up 1.6%, MicroFinancial ( MFI), up 3.7% and Pzena Investment Management ( PZN), up 5.5%.

TheStreet Ratings Group would like to highlight 3 stocks pushing the industry higher today:

MicroFinancial ( MFI) is one of the companies that pushed the Financial Services industry higher today. MicroFinancial was up $0.30 (3.7%) to $8.34 on heavy volume. Throughout the day, 45,834 shares of MicroFinancial exchanged hands as compared to its average daily volume of 26,700 shares. The stock ranged in a price between $8.05-$8.45 after having opened the day at $8.05 as compared to the previous trading day's close of $8.04.

MicroFinancial Incorporated, a specialized commercial/consumer finance company, provides equipment leasing and financing services with a primary focus on the microticket market in the United States. MicroFinancial has a market cap of $116.9 million and is part of the financial sector. Shares are down 6.0% year-to-date as of the close of trading on Friday. Currently there are no analysts who rate MicroFinancial a buy, no analysts rate it a sell, and 1 rates it a hold.

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TheStreet Ratings rates MicroFinancial as a buy. The company's strengths can be seen in multiple areas, such as its revenue growth, attractive valuation levels, expanding profit margins, largely solid financial position with reasonable debt levels by most measures and increase in net income. We feel these strengths outweigh the fact that the company shows weak operating cash flow.

Highlights from TheStreet Ratings analysis on MFI go as follows:

  • MFI's revenue growth trails the industry average of 11.3%. Since the same quarter one year prior, revenues slightly increased by 0.8%. This growth in revenue does not appear to have trickled down to the company's bottom line, displaying stagnant earnings per share.
  • 40.25% is the gross profit margin for MICROFINANCIAL INC which we consider to be strong. It has increased from the same quarter the previous year. Along with this, the net profit margin of 15.74% is above that of the industry average.
  • MICROFINANCIAL INC reported flat earnings per share in the most recent quarter. 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, MICROFINANCIAL INC increased its bottom line by earning $0.67 versus $0.64 in the prior year. This year, the market expects an improvement in earnings ($0.71 versus $0.67).
  • MFI's debt-to-equity ratio of 0.88 is somewhat low overall, but it is high when compared to the industry average, implying that the management of the debt levels should be evaluated further.

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

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At the close, First Marblehead ( FMD) was up $0.20 (7.7%) to $2.80 on heavy volume. Throughout the day, 147,241 shares of First Marblehead exchanged hands as compared to its average daily volume of 30,800 shares. The stock ranged in a price between $2.48-$2.82 after having opened the day at $2.64 as compared to the previous trading day's close of $2.60.

First Marblehead has a market cap of $30.6 million and is part of the financial sector. Shares are down 64.8% year-to-date as of the close of trading on Friday.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

US Global Investors ( GROW) was another company that pushed the Financial Services industry higher today. US Global Investors was up $0.10 (3.3%) to $3.16 on light volume. Throughout the day, 3,126 shares of US Global Investors exchanged hands as compared to its average daily volume of 20,700 shares. The stock ranged in a price between $3.00-$3.17 after having opened the day at $3.06 as compared to the previous trading day's close of $3.06.

U.S. Global Investors, Inc. is a publicly owned investment manager. The firm primarily provides its services to investment companies. It also provides its services to pooled investment vehicles. The firm manages equity and fixed income mutual funds for its clients. US Global Investors has a market cap of $42.5 million and is part of the financial sector. Shares are up 25.2% year-to-date as of the close of trading on Friday. Currently there are no analysts who rate US Global Investors a buy, no analysts rate it a sell, and none rate it a hold.

TheStreet Ratings rates US Global Investors as a sell. The company's weaknesses can be seen in multiple areas, such as its disappointing return on equity and poor profit margins.

Highlights from TheStreet Ratings analysis on GROW go as follows:

  • The company's current return on equity has slightly decreased from the same quarter one year prior. This implies a minor weakness in the organization. Compared to other companies in the Capital Markets industry and the overall market, U S GLOBAL INVESTORS INC's return on equity significantly trails that of both the industry average and the S&P 500.
  • The gross profit margin for U S GLOBAL INVESTORS INC is currently extremely low, coming in at 8.02%. Despite the low profit margin, it has increased significantly from the same period last year. Despite the mixed results of the gross profit margin, GROW's net profit margin of 7.31% is significantly lower than the industry average.
  • U S GLOBAL INVESTORS INC reported significant earnings per share improvement in the most recent quarter compared to 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, U S GLOBAL INVESTORS INC reported poor results of -$0.04 versus $0.00 in the prior year.
  • The net income growth from the same quarter one year ago has significantly exceeded that of the S&P 500 and the Capital Markets industry. The net income increased by 158.0% when compared to the same quarter one year prior, rising from -$0.45 million to $0.26 million.
  • Net operating cash flow has significantly increased by 311.08% to $1.52 million when compared to the same quarter last year. In addition, U S GLOBAL INVESTORS INC has also vastly surpassed the industry average cash flow growth rate of -89.42%.

You can view the full analysis from the report here: US Global Investors Ratings Report

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

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.