5. Lincoln National ( LNC) Company Profile: Lincoln National, with assets of $153 billion, offers annuities, life insurance, 401(k) plans, savings plans and financial planning. Share Price: $18.61 (Dec. 14) Potential Upside: 45% based on a price target of $27 Investment Thesis: Analyst Steven Schwartz says Lincoln National remains undervalued as fundamentals improve. Bank of America/Merrill Lynch analysts agree, picking Lincoln National as one of their top stock picks for 2012. "Lincoln National has the potential for substantial share price appreciation," Schwartz writes. "Lincoln continues to perform as a top-ten player in various life insurance product arenas and remains well suited to continue to benefit from the demand for the investment and insurance guarantees provided by the life insurance industry." Interested in more on Lincoln National? See TheStreet Ratings' report card for this stock.