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The Banking industry as a whole closed the day down 0.6% versus the S&P 500, which was down 0.3%. Laggards within the Banking industry included Porter Bancorp ( PBIB), down 3.3%, Central Federal ( CFBK), down 3.6%, QC Holdings ( QCCO), down 4.5%, Kentucky First Federal Bancorp ( KFFB), down 3.9% and First Clover Leaf Financial ( FCLF), down 2.1%.

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

EverBank Financial ( EVER) is one of the companies that pushed the Banking industry lower today. EverBank Financial was down $0.30 (1.6%) to $18.74 on light volume. Throughout the day, 83,124 shares of EverBank Financial exchanged hands as compared to its average daily volume of 315,100 shares. The stock ranged in price between $18.55-$19.04 after having opened the day at $19.04 as compared to the previous trading day's close of $19.04.

EverBank Financial Corp operates as the bank holding company of EverBank that provides financial products and services to individuals, and small and medium-sized businesses in the United States. EverBank Financial has a market cap of $2.3 billion and is part of the financial sector. Shares are up 3.8% year-to-date as of the close of trading on Tuesday. Currently there are 6 analysts who rate EverBank Financial a buy, no analysts rate it a sell, and 1 rates it a hold.

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TheStreet Ratings rates EverBank Financial as a sell. The company's weaknesses can be seen in multiple areas, such as its disappointing return on equity and weak operating cash flow.

Highlights from TheStreet Ratings analysis on EVER 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. When compared to other companies in the Thrifts & Mortgage Finance industry and the overall market, EVERBANK FINANCIAL CORP's return on equity is below that of both the industry average and the S&P 500.
  • Net operating cash flow has significantly decreased to $142.72 million or 88.31% 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.
  • Despite the weak revenue results, EVER has outperformed against the industry average of 25.1%. Since the same quarter one year prior, revenues slightly dropped by 4.3%. The declining revenue has not hurt the company's bottom line, with increasing earnings per share.
  • The gross profit margin for EVERBANK FINANCIAL CORP is currently very high, coming in at 81.69%. Regardless of EVER's high profit margin, it has managed to decrease from the same period last year. Despite the mixed results of the gross profit margin, the net profit margin of 15.60% trails the industry average.
  • Looking at where the stock is today compared to one year ago, we find that it is higher, and it has outperformed the rise in the S&P 500 over the same period. Turning our attention to the future direction of the stock, we do not believe this stock offers ample reward opportunity to compensate for the risks, despite the fact that it rose over the past year.

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

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At the close, QC Holdings ( QCCO) was down $0.09 (4.5%) to $1.81 on heavy volume. Throughout the day, 12,100 shares of QC Holdings exchanged hands as compared to its average daily volume of 7,400 shares. The stock ranged in price between $1.79-$1.95 after having opened the day at $1.92 as compared to the previous trading day's close of $1.90.

QC Holdings, Inc. and its subsidiaries provide various financial services. The company operates in three segments: Branch Lending, Centralized Lending, and E-Lending. QC Holdings has a market cap of $34.0 million and is part of the financial sector. Shares are up 6.2% year-to-date as of the close of trading on Tuesday.

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TheStreet Ratings rates QC Holdings as a sell. The company's weaknesses can be seen in multiple areas, such as its feeble growth in its earnings per share, deteriorating net income, disappointing return on equity, poor profit margins and generally disappointing historical performance in the stock itself.

Highlights from TheStreet Ratings analysis on QCCO go as follows:

  • QC HOLDINGS 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. The company has reported a trend of declining earnings per share over the past two years. During the past fiscal year, QC HOLDINGS INC swung to a loss, reporting -$0.53 versus $0.49 in the prior year.
  • 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 Consumer Finance industry. The net income has significantly decreased by 45.5% when compared to the same quarter one year ago, falling from $0.34 million to $0.19 million.
  • Return on equity has greatly decreased when compared to its ROE from the same quarter one year prior. This is a signal of major weakness within the corporation. Compared to other companies in the Consumer Finance industry and the overall market, QC HOLDINGS INC's return on equity significantly trails that of both the industry average and the S&P 500.
  • The gross profit margin for QC HOLDINGS INC is rather low; currently it is at 23.78%. It has decreased from the same quarter the previous year. Along with this, the net profit margin of 0.51% significantly trails the industry average.
  • The share price of QC HOLDINGS INC has not done very well: it is down 12.86% and has underperformed the S&P 500, in part reflecting the company's sharply declining earnings per share when compared to the year-earlier quarter. The fact that the stock is now selling for less than others in its industry in relation to its current earnings is not reason enough to justify a buy rating at this time.

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

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Porter Bancorp ( PBIB) was another company that pushed the Banking industry lower today. Porter Bancorp was down $0.02 (3.3%) to $0.63 on heavy volume. Throughout the day, 45,400 shares of Porter Bancorp exchanged hands as compared to its average daily volume of 9,600 shares. The stock ranged in price between $0.62-$0.64 after having opened the day at $0.64 as compared to the previous trading day's close of $0.65.

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 $9.1 million and is part of the financial sector. Shares are down 31.5% year-to-date as of the close of trading on Tuesday.

TheStreet Ratings rates Porter Bancorp as a sell. The company's weaknesses can be seen in multiple areas, such as its generally disappointing historical performance in the stock itself and weak operating cash flow.

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Highlights from TheStreet Ratings analysis on PBIB go as follows:

  • PBIB's stock share price has done very poorly compared to where it was a year ago: Despite any rallies, the net result is that it is down by 34.79%, which is also worse that the performance of the S&P 500 Index. Investors have so far failed to pay much attention to the earnings improvements the company has managed to achieve over the last quarter. Naturally, the overall market trend is bound to be a significant factor. However, in one sense, the stock's sharp decline last year is a positive for future investors, making it cheaper (in proportion to its earnings over the past year) than most other stocks in its industry. But due to other concerns, we feel the stock is still not a good buy right now.
  • Net operating cash flow has decreased to $1.43 million or 41.08% when compared to the same quarter last year. Despite a decrease in cash flow PORTER BANCORP INC is still fairing well by exceeding its industry average cash flow growth rate of -60.71%.
  • 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.
  • The gross profit margin for PORTER BANCORP INC is currently very high, coming in at 77.04%. Regardless of PBIB's high profit margin, it has managed to decrease from the same period last year. Despite the mixed results of the gross profit margin, PBIB's net profit margin of 0.38% is significantly lower than the industry average.
  • PBIB, with its decline in revenue, underperformed when compared the industry average of 1.7%. Since the same quarter one year prior, revenues fell by 16.5%. The declining revenue has not hurt the company's bottom line, with increasing earnings per share.

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