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BOSTON ( TheStreet) -- TheStreet.com's stock-rating model upgraded Brown-Forman ( BF.A), the maker of Jack Daniel's Tennessee Whiskey, to "buy."

The numbers: Fiscal fourth-quarter net income decreased 19% to $80 million and earnings per share dropped 35% to 53 cents, hurt by a higher share count. Revenue declined 12% to $537 million. Its gross margin increased from 68% to 69% and its operating margin grew from 23% to 24%. A quick ratio of 0.9 indicates less-than-ideal liquidity. But a debt-to-equity ratio of 0.6 is less than the industry average, demonstrating restrained leverage.

The stock: Brown-Forman has fallen 4% this year, underperforming major U.S. indices. The stock trades at a price-to-earnings ratio of 17, a discount to the market and other distillers. The shares offer a dividend yield of 2.4%.

The model upgraded OneBeacon Insurance Group ( OB) to "hold."

The numbers: Second-quarter profit surged 439% to $128 million, or $1.35 a share, as revenue increased 28% to $653 million. Its gross margin rose from 13% to 30% and its operating margin climbed from 12% to 29%. The company has a strong financial position, with $603 million of cash and $641 million of debt. A debt-to-equity ratio of 0.5 indicates conservative leverage.

The stock: OneBeacon is up 29% this year, outpacing major U.S. indices. The stock offers a 6.2% dividend yield, higher than the average of companies in the S&P 500 Index.

The model upgraded chemical maker Olin ( OLN) to "buy."

The numbers: Second-quarter net income declined 22% to $28 million, or 36 cents a share. Revenue decreased 11% to $383 million. Its gross margin remained steady at 23%, but its operating margin decreased from 10% to 9%. Olin has a strong financial position, evident in its quick ratio of 1.9 and debt-to-equity ratio of 0.3.

The stock: Olin is down 6% this year, underperforming major U.S. indices. The stock trades at a price-to-earnings ratio of 8, a vast discount to the market and chemical peers. The shares offer a hefty 4.7% dividend yield.

The model upgraded Toronto-Dominion Bank ( TD) to "buy."

The numbers: Fiscal third-quarter net income fell 9% to $912 million and earnings per share dropped 17% to $1.01, hurt by a higher share count. Revenue declined 6% to $6.3 billion. Its gross margin rose from 65% to 72% and its operating margin climbed from 25% to 26%. The company is adequately capitalized, evident in its $18 billion of cash reserves. But a debt-to-equity ratio of 1.2 indicates higher-than-ideal leverage.

The stock: Toronto Dominion has advanced 73% this year, beating major U.S. indices. The stock trades at a price-to-earnings ratio of 17, a discount to the market and other banks. The shares offer a 3.6% dividend yield.

The model upgraded health insurer WellPoint ( WLP) to "buy."

The numbers: Second-quarter net income declined 8% to $694 million, but earnings per share fell less than 1% to $1.43 because of a decline in share count. Revenue dropped 2% to $15 billion. Its gross margin remained steady at 23% and its operating margin was little changed at 8%. A quick ratio of 1.5 indicates ample liquidity. A debt-to-equity ratio of 0.4 demonstrates modest leverage.

The stock: WellPoint has advanced 26% this year, more than the Dow Jones Industrial Average and S&P 500. The stock trades at a price-to-earnings ratio of 11, a discount to the market and health care peers. The company doesn't pay dividends.

-- Reported by Jake Lynch in Boston.

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