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." TCP Capital Dividend Yield: 9.90% TCP Capital (NASDAQ: TCPC) shares currently have a dividend yield of 9.90%. TCP Capital Corp. is a business development company specializing in direct equity and debt investments in middle-market, senior secured loans, junior loans, originated loans, mezzanine, senior debt instruments, bonds, and secondary-market investments. It seeks to invest in the United States. The company has a P/E ratio of 12.03. The average volume for TCP Capital has been 135,200 shares per day over the past 30 days. TCP Capital has a market cap of $709.2 million and is part of the financial services industry. Shares are up 4.2% year-to-date as of the close of trading on Tuesday. 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 TCP Capital as a buy. The company's strengths can be seen in multiple areas, such as its robust revenue growth, impressive record of earnings per share growth, compelling growth in net income, good cash flow from operations and expanding profit margins. We feel its strengths outweigh the fact that the company has had lackluster performance in the stock itself. Highlights from the ratings report include:

  • The revenue growth greatly exceeded the industry average of 23.1%. Since the same quarter one year prior, revenues rose by 23.3%. Growth in the company's revenue appears to have helped boost the earnings per share.
  • TCP CAPITAL CORP 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. We feel that this trend should continue. During the past fiscal year, TCP CAPITAL CORP increased its bottom line by earning $1.21 versus $0.96 in the prior year. This year, the market expects an improvement in earnings ($1.58 versus $1.21).
  • 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 131.2% when compared to the same quarter one year prior, rising from -$6.69 million to $2.09 million.
  • Net operating cash flow has significantly increased by 205.12% to $93.42 million when compared to the same quarter last year. In addition, TCP CAPITAL CORP has also vastly surpassed the industry average cash flow growth rate of -25.38%.
  • The gross profit margin for TCP CAPITAL CORP is currently very high, coming in at 79.94%. 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 5.27% trails the industry average.
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Harvest Capital Credit Dividend Yield: 10.50% Harvest Capital Credit (NASDAQ: HCAP) shares currently have a dividend yield of 10.50%. Harvest Capital Credit LLC is a business development company providing structured credit to small businesses. The company has a P/E ratio of 8.36. The average volume for Harvest Capital Credit has been 25,200 shares per day over the past 30 days. Harvest Capital Credit has a market cap of $80.8 million and is part of the financial services industry. Shares are up 10.1% year-to-date as of the close of trading on Tuesday. 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 Harvest Capital Credit as a buy. The company's strengths can be seen in multiple areas, such as its robust revenue growth, expanding profit margins and good cash flow from operations. We feel its strengths outweigh the fact that the company has had somewhat disappointing return on equity. Highlights from the ratings report include:

  • HCAP's very impressive revenue growth greatly exceeded the industry average of 23.1%. Since the same quarter one year prior, revenues leaped by 55.0%. 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 HARVEST CAPITAL CREDIT CORP is rather high; currently it is at 66.95%. It has increased from the same quarter the previous year. Along with this, the net profit margin of 31.86% significantly outperformed against the industry average.
  • Net operating cash flow has significantly increased by 113.06% to $2.06 million when compared to the same quarter last year. In addition, HARVEST CAPITAL CREDIT CORP has also vastly surpassed the industry average cash flow growth rate of -25.38%.
  • HARVEST CAPITAL CREDIT CORP's earnings per share declined by 22.7% in the most recent quarter compared to the same quarter a year ago. The company has suffered a declining pattern of earnings per share over the past year. However, we anticipate this trend reversing over the coming year. During the past fiscal year, HARVEST CAPITAL CREDIT CORP reported lower earnings of $1.04 versus $1.52 in the prior year. This year, the market expects an improvement in earnings ($1.48 versus $1.04).
  • The change in net income from the same quarter one year ago has significantly exceeded that of the Capital Markets industry average, but is less than that of the S&P 500. The net income has decreased by 23.6% when compared to the same quarter one year ago, dropping from $2.74 million to $2.10 million.
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Tootsie Roll Industries Dividend Yield: 12.10% Tootsie Roll Industries (NYSE: TR) shares currently have a dividend yield of 12.10%. Tootsie Roll Industries, Inc., together with its subsidiaries, manufactures and sells confectionery products primarily in the United States, Canada, and Mexico. The company has a P/E ratio of 33.93. The average volume for Tootsie Roll Industries has been 72,800 shares per day over the past 30 days. Tootsie Roll Industries has a market cap of $2.2 billion and is part of the food & beverage industry. Shares are up 10.7% year-to-date as of the close of trading on Tuesday. 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 Tootsie Roll Industries as a buy. The company's strengths can be seen in multiple areas, such as its growth in earnings per share, solid stock price performance and increase in net income. Although no company is perfect, currently we do not see any significant weaknesses which are likely to detract from the generally positive outlook. Highlights from the ratings report include:

  • TOOTSIE ROLL INDUSTRIES INC has improved earnings per share by 9.9% 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, TOOTSIE ROLL INDUSTRIES INC increased its bottom line by earning $1.05 versus $0.99 in the prior year.
  • 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.
  • TR, with its decline in revenue, underperformed when compared the industry average of 7.6%. Since the same quarter one year prior, revenues slightly dropped by 2.8%. The declining revenue has not hurt the company's bottom line, with increasing earnings per share.
  • The company, on the basis of net income growth from the same quarter one year ago, has significantly underperformed compared to the Food Products industry average, but is greater than that of the S&P 500. The net income increased by 8.1% when compared to the same quarter one year prior, going from $9.15 million to $9.90 million.
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