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."

Oxbridge Re Holdings

Dividend Yield: 8.00%

Oxbridge Re Holdings

(NASDAQ:

OXBR

) shares currently have a dividend yield of 8.00%.

Oxbridge Re Holdings Limited provides reinsurance business solutions primarily to property and casualty insurers in the Gulf Coast region of the United States. It writes collateralized policies to cover property losses from specified catastrophes. The company has a P/E ratio of 5.22.

The average volume for Oxbridge Re Holdings has been 4,800 shares per day over the past 30 days. Oxbridge Re Holdings has a market cap of $36.4 million and is part of the insurance industry. Shares are up 2.2% year-to-date as of the close of trading on Wednesday.

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TheStreet Ratings rates

Oxbridge Re Holdings

as a

hold

. The company's strengths can be seen in multiple areas, such as its notable return on equity, robust revenue growth and largely solid financial position with reasonable debt levels by most measures. However, as a counter to these strengths, we also find weaknesses including a generally disappointing performance in the stock itself and weak operating cash flow.

Highlights from the ratings report include:

  • Compared to other companies in the Insurance industry and the overall market, OXBRIDGE RE HOLDINGS LTD's return on equity exceeds that of both the industry average and the S&P 500.
  • OXBR's very impressive revenue growth greatly exceeded the industry average of 17.7%. Since the same quarter one year prior, revenues leaped by 129.4%. Growth in the company's revenue appears to have helped boost the earnings per share.
  • OXBRIDGE RE HOLDINGS LTD 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 year. During the past fiscal year, OXBRIDGE RE HOLDINGS LTD increased its bottom line by earning $0.67 versus $0.06 in the prior year.
  • OXBR has underperformed the S&P 500 Index, declining 21.92% 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.
  • Net operating cash flow has declined marginally to -$0.62 million or 9.09% when compared to the same quarter last year. Despite a decrease in cash flow of 9.09%, OXBRIDGE RE HOLDINGS LTD is still significantly exceeding the industry average of -61.22%.

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Alcentra Capital

Dividend Yield: 11.40%

Alcentra Capital

(NASDAQ:

ABDC

) shares currently have a dividend yield of 11.40%.

Alcentra Capital Corporation is a Business Development Company specializing in investments in lower middle-market companies. It invests in the form of subordinated debt and, to a lesser extent, senior debt and minority equity investments. The company has a P/E ratio of 8.16.

The average volume for Alcentra Capital has been 50,200 shares per day over the past 30 days. Alcentra Capital has a market cap of $161.0 million and is part of the financial services industry. Shares are down 3% year-to-date as of the close of trading on Wednesday.

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TheStreet Ratings rates

Alcentra Capital

as a

hold

. The company's strengths can be seen in multiple areas, such as its revenue growth, notable return on equity and good cash flow from operations. However, as a counter to these strengths, we find that the growth in the company's earnings per share has not been good.

Highlights from the ratings report include:

  • The revenue growth came in higher than the industry average of 6.3%. Since the same quarter one year prior, revenues rose by 14.9%. 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.
  • Compared to other companies in the Capital Markets industry and the overall market on the basis of return on equity, ALCENTRA CAPITAL CORP has outperformed in comparison with the industry average, but has underperformed when compared to that of the S&P 500.
  • Reflecting the weaknesses we have cited, including the decline in the company's earnings per share, ABDC has underperformed the S&P 500 Index, declining 9.42% from its price level of one year ago.
  • ALCENTRA CAPITAL CORP's earnings per share declined by 13.0% in the most recent quarter compared to the same quarter a year ago. This year, the market expects an improvement in earnings ($1.48 versus $1.35).
  • The change in net income from the same quarter one year ago has exceeded that of the S&P 500 and greatly outperformed compared to the Capital Markets industry average. The net income has decreased by 11.8% when compared to the same quarter one year ago, dropping from $7.27 million to $6.41 million.

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UMH Properties

Dividend Yield: 7.50%

UMH Properties

(NYSE:

UMH

) shares currently have a dividend yield of 7.50%.

UMH Properties, Inc. (UMH) is a real estate investment trust. The firm engages in the ownership and operation of manufactured home communities. It leases manufactured home spaces to private manufactured home owners, as well as leases homes to residents. The company has a P/E ratio of 64.33.

The average volume for UMH Properties has been 73,300 shares per day over the past 30 days. UMH Properties has a market cap of $260.7 million and is part of the real estate industry. Shares are up 1.5% year-to-date as of the close of trading on Wednesday.

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TheStreet Ratings rates

UMH Properties

as a

hold

. The company's strengths can be seen in multiple areas, such as its revenue growth, good cash flow from operations and increase in stock price during the past year. However, as a counter to these strengths, we also find weaknesses including feeble growth in the company's earnings per share, unimpressive growth in net income and poor profit margins.

Highlights from the ratings report include:

  • Despite its growing revenue, the company underperformed as compared with the industry average of 6.0%. Since the same quarter one year prior, revenues slightly increased by 2.6%. 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.
  • Net operating cash flow has increased to $3.00 million or 42.07% when compared to the same quarter last year. In addition, UMH PROPERTIES INC has also vastly surpassed the industry average cash flow growth rate of -24.80%.
  • After a year of stock price fluctuations, the net result is that UMH's price has not changed very much. Although its weak earnings growth may have played a role in this flat result, don't lose sight of the fact that the performance of the overall market, as measured by the S&P 500 Index, was essentially similar. Despite the fact that it has already risen in the past year, there is currently no conclusive evidence that warrants the purchase or sale of this stock.
  • UMH PROPERTIES 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. Earnings per share have declined over the last two years. We anticipate that this should continue in the coming year. During the past fiscal year, UMH PROPERTIES INC reported poor results of -$0.15 versus -$0.09 in the prior year. For the next year, the market is expecting a contraction of 66.7% in earnings (-$0.25 versus -$0.15).
  • 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 Real Estate Investment Trusts (REITs) industry. The net income has significantly decreased by 86.3% when compared to the same quarter one year ago, falling from $1.48 million to $0.20 million.

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