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 "Hold."

CrossAmerica Partners

Dividend Yield: 9.20%

CrossAmerica Partners

(NYSE:

CAPL

) shares currently have a dividend yield of 9.20%.

CrossAmerica Partners LP operates as a wholesale distributor of motor fuels, and owns and leases real estate used in the retail distribution of motor fuels in the United States.

The average volume for CrossAmerica Partners has been 110,600 shares per day over the past 30 days. CrossAmerica Partners has a market cap of $644.4 million and is part of the energy industry. Shares are down 38.6% year-to-date as of the close of trading on Friday.

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TheStreet Ratings rates

CrossAmerica Partners

as a

hold

. The company's strengths can be seen in multiple areas, such as its increase in net income and growth in earnings per share. However, as a counter to these strengths, we also find weaknesses including a generally disappointing performance in the stock itself and poor profit margins.

Highlights from the ratings report include:

  • The net income growth from the same quarter one year ago has significantly exceeded that of the S&P 500 and the Oil, Gas & Consumable Fuels industry. The net income increased by 144.6% when compared to the same quarter one year prior, rising from $4.16 million to $10.16 million.
  • CROSSAMERICA PARTNERS LP has improved earnings per share by 38.1% in the most recent quarter compared to the same quarter a year ago. 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, CROSSAMERICA PARTNERS LP swung to a loss, reporting -$0.22 versus $1.19 in the prior year. This year, the market expects an improvement in earnings ($0.25 versus -$0.22).
  • Despite the weak revenue results, CAPL has outperformed against the industry average of 36.8%. Since the same quarter one year prior, revenues fell by 26.1%. The declining revenue has not hurt the company's bottom line, with increasing earnings per share.
  • The gross profit margin for CROSSAMERICA PARTNERS LP is currently extremely low, coming in at 8.01%. Regardless of CAPL's low profit margin, it has managed to increase from the same period last year. Despite the mixed results of the gross profit margin, CAPL's net profit margin of 1.70% compares favorably to the industry average.
  • CAPL has underperformed the S&P 500 Index, declining 24.97% from its price level of one year ago. Turning toward the future, the fact that the stock has come down in price over the past year should not necessarily be interpreted as a negative; it could be one of the factors that may help make the stock attractive down the road. Right now, however, we believe that it is too soon to buy.

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WhiteHorse Finance

Dividend Yield: 11.60%

WhiteHorse Finance

(NASDAQ:

WHF

) shares currently have a dividend yield of 11.60%.

Whitehorse Finance, LLC is a business development company. The company has a P/E ratio of 8.24.

The average volume for WhiteHorse Finance has been 51,300 shares per day over the past 30 days. WhiteHorse Finance has a market cap of $182.8 million and is part of the financial services industry. Shares are up 6.6% year-to-date as of the close of trading on Friday.

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TheStreet Ratings rates

WhiteHorse Finance

as a

hold

. The company's strengths can be seen in multiple areas, such as its robust revenue growth and expanding profit margins. However, as a counter to these strengths, we also find weaknesses including deteriorating net income and disappointing return on equity.

Highlights from the ratings report include:

  • The revenue growth greatly exceeded the industry average of 5.9%. Since the same quarter one year prior, revenues rose by 26.4%. This growth in revenue does not appear to have trickled down to the company's bottom line, displayed by a decline in earnings per share.
  • The gross profit margin for WHITEHORSE FINANCE INC is rather high; currently it is at 62.49%. It has increased from the same quarter the previous year. Regardless of the strong results of the gross profit margin, the net profit margin of 12.19% trails the industry average.
  • WHITEHORSE FINANCE 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. 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, WHITEHORSE FINANCE INC increased its bottom line by earning $1.32 versus $1.26 in the prior year. This year, the market expects an improvement in earnings ($1.48 versus $1.32).
  • 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 Capital Markets industry. The net income has significantly decreased by 68.7% when compared to the same quarter one year ago, falling from $4.56 million to $1.43 million.
  • 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 Capital Markets industry and the overall market, WHITEHORSE FINANCE INC's return on equity is below that of both the industry average and the S&P 500.

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Manning & Napier

Dividend Yield: 7.70%

Manning & Napier

(NYSE:

MN

) shares currently have a dividend yield of 7.70%.

Manning & Napier, Inc is publicly owned investment manager. It provides its services to net worth individuals and institutions, including 401(k) plans, pension plans, taft-hartley plans, endowments and foundations. The firm manages separate client-focused equity and fixed income portfolios. The company has a P/E ratio of 6.44.

The average volume for Manning & Napier has been 109,100 shares per day over the past 30 days. Manning & Napier has a market cap of $122.8 million and is part of the financial services industry. Shares are down 38.5% year-to-date as of the close of trading on Friday.

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TheStreet Ratings rates

Manning & Napier

as a

hold

. The company's strengths can be seen in multiple areas, such as its impressive record of earnings per share growth, compelling growth in net income and expanding profit margins. However, as a counter to these strengths, we find that the stock has had a generally disappointing performance in the past year.

Highlights from the ratings report include:

  • MANNING & NAPIER INC reported significant earnings per share improvement 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. We feel that this trend should continue. This trend suggests that the performance of the business is improving. During the past fiscal year, MANNING & NAPIER INC increased its bottom line by earning $0.67 versus $0.20 in the prior year. This year, the market expects an improvement in earnings ($0.93 versus $0.67).
  • 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 727.6% when compared to the same quarter one year prior, rising from $0.43 million to $3.54 million.
  • 39.44% is the gross profit margin for MANNING & NAPIER INC which we consider to be strong. It has increased significantly from the same period last year. Despite the strong results of the gross profit margin, MN's net profit margin of 4.54% significantly trails the industry average.
  • MN, with its decline in revenue, underperformed when compared the industry average of 5.9%. Since the same quarter one year prior, revenues fell by 25.6%. The declining revenue has not hurt the company's bottom line, with increasing earnings per share.
  • MN'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 47.14%, 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. Turning toward the future, the fact that the stock has come down in price over the past year should not necessarily be interpreted as a negative; it could be one of the factors that may help make the stock attractive down the road. Right now, however, we believe that it is too soon to buy.

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