TheStreet Ratings' stock model projects a stock's total return potential over a 12-month period including both price appreciation and dividends. Our Buy, Hold or Sell ratings designate how we expect these stocks to perform against a general benchmark of the equities market and interest rates.

While plenty of high-yield opportunities exist, investors must always consider the safety of their dividend and the total return potential of their investment. It is not uncommon for a struggling company to suspend high-yielding dividends which could subsequently result in precipitous share price declines.

TheStreet Ratings' stock rating model views dividends favorably, but not so much that other factors are disregarded. Our model gauges the relationship between risk and reward in several ways, including: the pricing drawdown as compared to potential profit volatility, i.e. how much one is willing to risk in order to earn profits?; the level of acceptable volatility for highly performing stocks; the current valuation as compared to projected earnings growth; and the financial strength of the underlying company as compared to its stock's valuation as compared to its stock's performance.

These and many more derived observations are then combined, ranked, weighted, and scenario-tested to create a more complete analysis. The result is a systematic and disciplined method of selecting stocks. As always, stock ratings should not be treated as gospel — rather, use them as a starting point for your own research.

The following pages contain our analysis of 3 stocks with substantial yields, that ultimately, we have rated "Buy." United BancorpDividend Yield: 4.20%United Bancorp (NASDAQ: UBCP) shares currently have a dividend yield of 4.20%. United Bancorp, Inc. operates as the bank holding company for The Citizens Savings Bank that provides commercial and retail banking services to individuals, businesses, and other organizations in northeastern, east-central and southeastern Ohio. The company has a P/E ratio of 12.97. The average volume for United Bancorp has been 2,500 shares per day over the past 30 days. United Bancorp has a market cap of $51.6 million and is part of the banking industry. Shares are up 0.2% year-to-date as of the close of trading on Friday. EXCLUSIVE OFFER: See inside Jim Cramer's multi-million dollar charitable trust portfolio to see the stocks he thinks could be potential winners. Click here to see his holdings for 14-days FREE. TheStreet Ratings rates United Bancorp as a buy. The company's strengths can be seen in multiple areas, such as its revenue growth, growth in earnings per share, compelling growth in net income, expanding profit margins and solid stock price performance. We feel its strengths outweigh the fact that the company shows weak operating cash flow. Highlights from the ratings report include:

  • UBCP's revenue growth has slightly outpaced the industry average of 6.7%. Since the same quarter one year prior, revenues slightly increased by 1.3%. This growth in revenue appears to have trickled down to the company's bottom line, improving the earnings per share.
  • UNITED BANCORP INC/OH has improved earnings per share by 13.3% in the most recent quarter compared to the same quarter a year ago. The company has demonstrated a pattern of positive earnings per share growth over the past two years. During the past fiscal year, UNITED BANCORP INC/OH increased its bottom line by earning $0.64 versus $0.53 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 Commercial Banks industry. The net income increased by 18.1% when compared to the same quarter one year prior, going from $0.73 million to $0.87 million.
  • The gross profit margin for UNITED BANCORP INC/OH is currently very high, coming in at 85.85%. It has increased from the same quarter the previous year. Along with this, the net profit margin of 17.30% is above that of the industry average.
  • The stock has not only risen over the past year, it has done so at a faster pace than the S&P 500, reflecting the earnings growth and other positive factors similar to those we have cited here. Looking ahead, the stock's rise over the last year has already helped drive it to a level which is relatively expensive compared to the rest of its industry. We feel, however, that the other strengths this company displays justify these higher price levels.

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Urstadt Biddle Properties

Dividend Yield: 4.80%

Urstadt Biddle Properties

(NYSE:

UBP

) shares currently have a dividend yield of 4.80%. Urstadt Biddle Properties Inc. is a real estate investment trust. The firm invests in the real estate markets of the United States. The company has a P/E ratio of 20.65. The average volume for Urstadt Biddle Properties has been 1,000 shares per day over the past 30 days. Urstadt Biddle Properties has a market cap of $683.1 million and is part of the real estate industry. Shares are up 4.2% year-to-date as of the close of trading on Friday.

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TheStreet Ratings rates

Urstadt Biddle Properties

as a

buy

. The company's strengths can be seen in multiple areas, such as its solid stock price performance, reasonable valuation levels, good cash flow from operations, expanding profit margins and increase in net income. We feel its strengths outweigh the fact that the company has had somewhat disappointing return on equity. Highlights from the ratings report include:

  • Looking at where the stock is today compared to one year ago, we find that it is not only higher, but it has also clearly outperformed the rise in the S&P 500 over the same period. Although other factors naturally played a role, the company's strong earnings growth was key. Turning our attention to the future direction of the stock, it goes without saying that even the best stocks can fall in an overall down market. However, in any other environment, this stock still has good upside potential despite the fact that it has already risen in the past year.
  • Net operating cash flow has increased to $8.90 million or 19.55% when compared to the same quarter last year. In addition, URSTADT BIDDLE PROPERTIES has also vastly surpassed the industry average cash flow growth rate of -64.29%.
  • 45.93% is the gross profit margin for URSTADT BIDDLE PROPERTIES which we consider to be strong. Regardless of UBP's high profit margin, it has managed to decrease from the same period last year. Despite the mixed results of the gross profit margin, UBP's net profit margin of 23.11% is significantly lower than the industry average.
  • UBP, with its decline in revenue, slightly underperformed the industry average of 5.0%. Since the same quarter one year prior, revenues slightly dropped by 3.8%. The declining revenue has not hurt the company's bottom line, with increasing earnings per share.

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National Health Investors

Dividend Yield: 5.30%

National Health Investors

(NYSE:

NHI

) shares currently have a dividend yield of 5.30%. National Health Investors Inc. is a real estate investment trust. It invests in the real estate markets of United States. The firm invests in the health care properties primarily in the long-term care and senior housing industries. The company has a P/E ratio of 17.24. The average volume for National Health Investors has been 262,800 shares per day over the past 30 days. National Health Investors has a market cap of $2.6 billion and is part of the real estate industry. Shares are up 13.6% year-to-date as of the close of trading on Monday.

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TheStreet Ratings rates

National Health Investors

as a

buy

. The company's strengths can be seen in multiple areas, such as its robust revenue growth, compelling growth in net income, good cash flow from operations, expanding profit margins and notable return on equity. Although the company may harbor some minor weaknesses, we feel they are unlikely to have a significant impact on results. Highlights from the ratings report include:

  • The revenue growth came in higher than the industry average of 5.0%. Since the same quarter one year prior, revenues rose by 26.8%. 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 Real Estate Investment Trusts (REITs) industry. The net income increased by 97.6% when compared to the same quarter one year prior, rising from $27.53 million to $54.40 million.
  • Net operating cash flow has increased to $43.63 million or 32.49% when compared to the same quarter last year. In addition, NATIONAL HEALTH INVESTORS has also vastly surpassed the industry average cash flow growth rate of -64.29%.
  • The gross profit margin for NATIONAL HEALTH INVESTORS is currently very high, coming in at 75.76%. Regardless of NHI's high profit margin, it has managed to decrease from the same period last year. Despite the mixed results of the gross profit margin, NHI's net profit margin of 94.27% significantly outperformed against the industry.
  • The return on equity has improved slightly when compared to the same quarter one year prior. This can be construed as a modest strength in the organization. Compared to other companies in the Real Estate Investment Trusts (REITs) industry and the overall market on the basis of return on equity, NATIONAL HEALTH INVESTORS has underperformed in comparison with the industry average, but has exceeded that of the S&P 500.

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