If you're among the shareholders looking at nice profits from your O'Charley's shares, you'd be wise to take your earnings and run, according to USA Today's Matt Krantz.

Krantz runs the Nashville restaurant company through a four-part test to determine whether it's wise for a reader to unload the company's shares (Ticker: CHUX), which have risen by 32 percent in the last three months, and take his gains: What's the bottom line? You've cheated the odds. You've made a big profit on a stock that was overly punished by investors fearing the worst for the restaurant industry. Take your gain, and keep the tip, before it slips away.

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