All three major indices are trading down today with the Dow Jones Industrial Average ( ^DJI) trading down 28 points (-0.2%) at 16,426 as of Thursday, Feb. 18, 2016, 11:55 AM ET. The NYSE advances/declines ratio sits at 1,380 issues advancing vs. 1,516 declining with 148 unchanged.

The Financial Services industry currently is unchanged today versus the S&P 500, which is down 0.3%. On the negative front, top decliners within the industry include SLM ( SLM), down 4.2%, Goldman Sachs Group ( GS), down 2.0%, Leucadia National ( LUK), down 2.0%, Affiliated Managers Group ( AMG), down 1.8% and Oaktree Capital Group ( OAK), down 1.5%. A company within the industry that increased today was Synchrony Financial ( SYF), up 1.1%.

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

3. Discover Financial Services ( DFS) is one of the companies pushing the Financial Services industry lower today. As of noon trading, Discover Financial Services is down $0.26 (-0.6%) to $46.18 on light volume. Thus far, 989,726 shares of Discover Financial Services exchanged hands as compared to its average daily volume of 4.1 million shares. The stock has ranged in price between $45.98-$46.86 after having opened the day at $46.44 as compared to the previous trading day's close of $46.44.

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Discover Financial Services operates as a direct banking and payment services company in the United States. It operates in two segments, Direct Banking and Payment Services. Discover Financial Services has a market cap of $19.5 billion and is part of the financial sector. Shares are down 13.4% year-to-date as of the close of trading on Wednesday. Currently there are 14 analysts that rate Discover Financial Services a buy, no analysts rate it a sell, and 2 rate it a hold.

TheStreet Ratings rates Discover Financial Services as a hold. The company's strengths can be seen in multiple areas, such as its growth in earnings per share, increase in net income and notable return on equity. However, as a counter to these strengths, we also find weaknesses including generally higher debt management risk and a generally disappointing performance in the stock itself. Get the full Discover Financial Services Ratings Report now.

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2. As of noon trading, Bank of New York Mellon ( BK) is down $0.31 (-0.9%) to $34.60 on light volume. Thus far, 2.2 million shares of Bank of New York Mellon exchanged hands as compared to its average daily volume of 7.3 million shares. The stock has ranged in price between $34.42-$35.11 after having opened the day at $34.96 as compared to the previous trading day's close of $34.91.

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The Bank of New York Mellon Corporation, an investment company, provides financial products and services to institutions, corporations, and high net worth individuals in the United States and internationally. It operates through two segments, Investment Management and Investment Services. Bank of New York Mellon has a market cap of $37.8 billion and is part of the financial sector. Shares are down 15.3% year-to-date as of the close of trading on Wednesday. Currently there are 7 analysts that rate Bank of New York Mellon a buy, 1 analyst rates it a sell, and 3 rate it a hold.

TheStreet Ratings rates Bank of New York Mellon 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, notable return on equity and expanding profit margins. We feel its strengths outweigh the fact that the company has had lackluster performance in the stock itself. Get the full Bank of New York Mellon Ratings Report now.

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1. As of noon trading, Charles Schwab ( SCHW) is down $0.44 (-1.8%) to $24.04 on light volume. Thus far, 2.6 million shares of Charles Schwab exchanged hands as compared to its average daily volume of 11.4 million shares. The stock has ranged in price between $23.90-$24.59 after having opened the day at $24.49 as compared to the previous trading day's close of $24.48.

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The Charles Schwab Corporation, through its subsidiaries, provides wealth management, securities brokerage, banking, money management, and financial advisory services. The company operates through two segments, Investor Services and Advisor Services. Charles Schwab has a market cap of $31.0 billion and is part of the financial sector. Shares are down 25.7% year-to-date as of the close of trading on Wednesday. Currently there are 9 analysts that rate Charles Schwab a buy, no analysts rate it a sell, and 5 rate it a hold.

TheStreet Ratings rates Charles Schwab as a buy. The company's strengths can be seen in multiple areas, such as its revenue growth, expanding profit margins, growth in earnings per share and increase in net income. We feel its strengths outweigh the fact that the company has had lackluster performance in the stock itself. Get the full Charles Schwab Ratings Report now.

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If you are interested in one of these 3 stocks, ETFs may be of interest. Investors who are bullish on the financial services industry could consider Financial Select Sector SPDR ( XLF) while those bearish on the financial services industry could consider Proshares Short Financials ( SEF).