Editor's Note: Any reference to TheStreet Ratings and its underlying recommendation does not reflect the opinion of TheStreet, Inc. or any of its contributors including Jim Cramer

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."

Scorpio Tankers

Dividend Yield: 5.30%

Scorpio Tankers (NYSE: STNG) shares currently have a dividend yield of 5.30%.

Scorpio Tankers Inc., together with its subsidiaries, engages in the seaborne transportation of refined petroleum products and crude oil worldwide. The company has a P/E ratio of 226.25.

The average volume for Scorpio Tankers has been 2,563,200 shares per day over the past 30 days. Scorpio Tankers has a market cap of $1.5 billion and is part of the conglomerates industry. Shares are up 3.3% year-to-date as of the close of trading on Wednesday.

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TheStreet Ratings rates Scorpio Tankers as a hold. The company's strengths can be seen in multiple areas, such as its robust revenue growth, good cash flow from operations and expanding profit margins. However, as a counter to these strengths, we also find weaknesses including a generally disappointing performance in the stock itself, unimpressive growth in net income and generally higher debt management risk.

Highlights from the ratings report include:
  • STNG's very impressive revenue growth greatly exceeded the industry average of 20.2%. Since the same quarter one year prior, revenues leaped by 135.6%. 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 significantly increased by 4625.50% to $92.81 million when compared to the same quarter last year. In addition, SCORPIO TANKERS INC has also vastly surpassed the industry average cash flow growth rate of -12.31%.
  • SCORPIO TANKERS 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, SCORPIO TANKERS INC increased its bottom line by earning $0.27 versus $0.14 in the prior year. This year, the market expects an improvement in earnings ($0.82 versus $0.27).
  • 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 Oil, Gas & Consumable Fuels industry. The net income has significantly decreased by 91.4% when compared to the same quarter one year ago, falling from $5.77 million to $0.49 million.
  • The share price of SCORPIO TANKERS INC has not done very well: it is down 10.02% and has underperformed the S&P 500, in part reflecting the company's sharply declining earnings per share when compared to the year-earlier quarter. Looking ahead, we do not see anything in this company's numbers that would change the one-year trend. It was down over the last twelve months; and it could be down again in the next twelve. Naturally, a bull or bear market could sway the movement of this stock.

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Canadian Imperial Bank of Commerce

Dividend Yield: 4.40%

Canadian Imperial Bank of Commerce (NYSE: CM) shares currently have a dividend yield of 4.40%.

Canadian Imperial Bank of Commerce, a diversified financial institution, provides various financial products and services to individuals and small businesses, and commercial, corporate, and institutional clients in Canada and internationally. The company has a P/E ratio of 11.86.

The average volume for Canadian Imperial Bank of Commerce has been 381,300 shares per day over the past 30 days. Canadian Imperial Bank of Commerce has a market cap of $30.2 billion and is part of the banking industry. Shares are down 11.6% year-to-date as of the close of trading on Wednesday.

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TheStreet Ratings rates Canadian Imperial Bank of Commerce as a hold. The company's strengths can be seen in multiple areas, such as its expanding profit margins, good cash flow from operations and notable return on equity. However, as a counter to these strengths, we also find weaknesses including feeble growth in the company's earnings per share, deteriorating net income and a generally disappointing performance in the stock itself.

Highlights from the ratings report include:
  • The gross profit margin for CANADIAN IMPERIAL BANK is currently very high, coming in at 76.75%. It has increased from the same quarter the previous year. Along with this, the net profit margin of 20.76% is above that of the industry average.
  • Net operating cash flow has significantly increased by 151.63% to $2,683.00 million when compared to the same quarter last year. Despite an increase in cash flow of 151.63%, CANADIAN IMPERIAL BANK is still growing at a significantly lower rate than the industry average of 303.10%.
  • Regardless of the drop in revenue, the company managed to outperform against the industry average of 4.6%. Since the same quarter one year prior, revenues slightly dropped by 2.6%. Weakness in the company's revenue seems to have hurt the bottom line, decreasing earnings per share.
  • CANADIAN IMPERIAL BANK's earnings per share declined by 20.8% in the most recent quarter compared to the same quarter a year ago. The company has suffered a declining pattern earnings per share over the past two years. During the past fiscal year, CANADIAN IMPERIAL BANK reported lower earnings of $7.85 versus $8.12 in the prior year.
  • The company, on the basis of change in net income from the same quarter one year ago, has significantly underperformed against the S&P 500 and did not exceed that of the Commercial Banks industry. The net income has decreased by 21.6% when compared to the same quarter one year ago, dropping from $1,174.00 million to $920.00 million.

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Vanguard Natural Resources

Dividend Yield: 8.30%

Vanguard Natural Resources (NASDAQ: VNR) shares currently have a dividend yield of 8.30%.

Vanguard Natural Resources, LLC, through its subsidiaries, acquires and develops oil and natural gas properties in the United States. The company has a P/E ratio of 30.80.

The average volume for Vanguard Natural Resources has been 1,254,700 shares per day over the past 30 days. Vanguard Natural Resources has a market cap of $1.4 billion and is part of the energy industry. Shares are up 10.3% year-to-date as of the close of trading on Wednesday.

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TheStreet Ratings rates Vanguard Natural Resources as a hold. Among the primary strengths of the company is its robust revenue growth -- not just in the most recent periods but in previous quarters as well. At the same time, however, we also find weaknesses including a generally disappointing performance in the stock itself, feeble growth in the company's earnings per share and unimpressive growth in net income.

Highlights from the ratings report include:
  • VNR's very impressive revenue growth greatly exceeded the industry average of 20.2%. Since the same quarter one year prior, revenues leaped by 206.8%. 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 VANGUARD NATURAL RESOURCES is currently extremely low, coming in at 13.55%. It has decreased significantly from the same period last year. Along with this, the net profit margin of -18.15% is significantly below that of the industry average.
  • Despite any intermediate fluctuations, we have only bad news to report on this stock's performance over the last year: it has tumbled by 44.41%, worse than the S&P 500's performance. Consistent with the plunge in the stock price, the company's earnings per share are down 8100.00% compared to the year-earlier quarter. Although its share price is down sharply from a year ago, do not assume that it can now be tagged as cheap and attractive. The reality is that, based on its current price in relation to its earnings, VNR is still more expensive than most of the other companies in its industry.
  • VANGUARD NATURAL RESOURCES 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 year. We anticipate that this should continue in the coming year. During the past fiscal year, VANGUARD NATURAL RESOURCES reported lower earnings of $0.54 versus $0.75 in the prior year. For the next year, the market is expecting a contraction of 80.5% in earnings ($0.11 versus $0.54).
  • 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 Oil, Gas & Consumable Fuels industry. The net income has significantly decreased by 2947.4% when compared to the same quarter one year ago, falling from $2.11 million to -$60.14 million.

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