Life Insurance Company Of Alabama (LINS) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 8.12 means the share price is 8.12 times one year of earnings per share. Market cap $5.83M is the value of all shares combined. Beta 0.30: the stock has moved about 70% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 17, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerLife Insurance Company Of Alabama (LINS) trades at $40.01. Life Insurance Company Of Alabama provides a range of insurance products in the United States. Market cap: $5.83M, Sector: Financials.
Price as of · Last analyzed: Mar 17, 2026Analyst Coverage for LINS: LINS does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
LINS: the 2 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Life Insurance Company Of Alabama (LINS) Financial Services Profile
Life Insurance Company Of Alabama, founded in 1952, operates as a life insurance provider in the U.S., offering a diverse portfolio including life, accident, and supplemental insurance products; the company distinguishes itself through a focus on niche insurance markets with a current market capitalization of $5.83M.
What Is the Investment Thesis for LINS?
Life Insurance Company Of Alabama presents a focused investment opportunity within the life insurance sector, marked by a P/E ratio of 8.12 and a dividend yield of 2.22%. The company's consistent profitability, reflected in a 7.2% profit margin and a 100% gross margin, underscores its operational efficiency. Growth catalysts include expanding its supplemental insurance offerings and strategic partnerships to broaden its market reach. Key risks involve navigating regulatory changes in the insurance industry and managing claims effectively to maintain profitability. The company's low beta of 0.30 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
LINS Key Highlights
Market capitalization of $5.83M indicates the company's current valuation in the market.
- P/E ratio of 8.12 suggests the stock is potentially undervalued compared to its earnings.
- Profit margin of 7.2% demonstrates the company's ability to generate profit from its revenue.
- Gross margin of 100.0% indicates efficient cost management in its insurance operations.
- Dividend yield of 2.22% provides a steady income stream for investors.
Who Are LINS's Competitors?
LINS is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| ABVN ABV Consulting, Inc. | $1.02 | 0.00% | $103M | — |
| SITS Southern ITS International, Inc. | $0.05 | +9.15% | $5.67M | — |
| AAME Atlantic American Corporation | $1.27 | -2.31% | $25.9M | 46 5-pillar |
| CIA Citizens, Inc. | $3.54 | +2.02% | $179M | 45 5-pillar |
| ABX Abacus Global Management, Inc. | $8.27 | +4.82% | $793M | 81 5-pillar |
| MHNC Maiden Holdings North America, Ltd. | $10.38 | -0.84% | $1.03B | — |
| LIFE Ethos Technologies Inc. | $34.12 | +4.76% | $2.17B | 36 5-pillar |
| BHFAP Brighthouse Financial, Inc. | $13.80 | +0.51% | $2.29B | 34 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LINS's Key Strengths?
Diverse range of insurance products.
- Established presence in the life insurance market.
- Strong focus on customer service.
- Consistent profitability and financial stability.
What Are LINS's Weaknesses?
Limited geographic reach compared to larger competitors.
- Reliance on traditional insurance distribution channels.
- Smaller market capitalization may limit access to capital.
- Exposure to regulatory changes in the insurance industry.
What Could Drive LINS Stock Higher?
Expansion of supplemental insurance offerings to drive revenue growth.
- Strategic partnerships with healthcare providers to broaden market reach.
- Potential for digital transformation initiatives to improve customer experience.
- Geographic expansion into underserved markets to increase customer base.
- Product innovation and customization to differentiate from competitors.
What Are the Key Risks for LINS?
Increasing competition from larger insurance companies.
- Rising healthcare costs and claims expenses.
- Changes in interest rates and investment returns.
- Economic downturns and reduced consumer spending.
- Regulatory changes in the insurance industry.
What Are the Growth Opportunities for LINS?
- Expansion of Supplemental Insurance Products: Life Insurance Company Of Alabama can capitalize on the growing demand for supplemental insurance products such as cancer, critical illness, and dental insurance. The market for supplemental insurance is projected to reach $200 billion by 2028, driven by increasing healthcare costs and a desire for more comprehensive coverage. By expanding its supplemental insurance offerings, Life Insurance Company Of Alabama can attract new customers and increase revenue streams.
- Strategic Partnerships with Healthcare Providers: Forming strategic partnerships with healthcare providers can enable Life Insurance Company Of Alabama to offer bundled insurance and healthcare services, creating a competitive advantage. These partnerships can provide access to a broader customer base and enhance customer loyalty. The market for bundled insurance and healthcare services is expected to grow by 15% annually over the next five years, driven by the increasing integration of healthcare and insurance.
- Digital Transformation and Online Sales: Investing in digital transformation and expanding online sales channels can improve customer experience and reduce operational costs. The online insurance market is growing rapidly, with online sales projected to account for 30% of total insurance sales by 2027. By enhancing its online presence and offering digital insurance products, Life Insurance Company Of Alabama can attract tech-savvy customers and increase market share.
- Geographic Expansion into Underserved Markets: Expanding into underserved markets in the United States can provide Life Insurance Company Of Alabama with new growth opportunities. Many rural and underserved communities lack access to comprehensive insurance coverage. By targeting these markets, Life Insurance Company Of Alabama can increase its customer base and contribute to financial inclusion. The market for insurance in underserved communities is estimated at $50 billion.
- Product Innovation and Customization: Developing innovative and customized insurance products tailored to specific customer needs can differentiate Life Insurance Company Of Alabama from its competitors. This includes offering personalized insurance plans based on individual health profiles and financial goals. The market for personalized insurance products is expected to grow by 20% annually over the next five years, driven by increasing demand for customized financial solutions.
What Are LINS's Competitive Advantages?
- Established brand reputation in the life insurance market.
- Long-standing presence in the industry with over 70 years of experience.
- Focus on niche insurance markets and underserved communities.
- Strong relationships with healthcare providers and distribution partners.
What Does LINS Do?
Life Insurance Company Of Alabama, established in 1952 and headquartered in Gadsden, Alabama, operates as a life insurance company within the United States. The company's foundation is rooted in providing accessible and diverse insurance products to meet the evolving needs of its customers. Over the years, Life Insurance Company Of Alabama has expanded its offerings to include a comprehensive suite of insurance solutions, including life, accident, cancer, critical illness, dental, disability, hospital indemnity, and vision and hearing insurance. These products are designed to provide financial security and peace of mind to individuals and families across various life stages and health circumstances. The company's business model focuses on underwriting and managing insurance policies, collecting premiums, and paying out claims in accordance with policy terms. Life Insurance Company Of Alabama distinguishes itself through its commitment to customer service and its ability to tailor insurance products to specific customer needs. With a long-standing presence in the insurance industry, Life Insurance Company Of Alabama has built a reputation for reliability and financial stability, serving a broad customer base across the United States.
What Products and Services Does LINS Offer?
- Offers life insurance policies to individuals and families.
- Provides accident insurance to cover costs related to accidental injuries.
- Offers cancer insurance to help with the expenses of cancer treatment.
- Provides critical illness insurance for serious health conditions.
- Offers dental insurance for dental care and procedures.
- Provides disability insurance to replace income during periods of disability.
- Offers hospital indemnity insurance to cover hospital-related expenses.
- Offers vision and hearing insurance for eye and ear care.
How Does LINS Make Money?
- Underwrites and manages life insurance policies.
- Collects premiums from policyholders.
- Pays out claims to beneficiaries upon the occurrence of insured events.
- Invests premium income to generate returns and cover future claims.
What Industry Does LINS Operate In?
Life Insurance Company Of Alabama operates in the competitive life insurance industry, which is characterized by established players and evolving consumer needs. The industry is influenced by factors such as interest rates, regulatory changes, and demographic trends. Competitors include companies like ABVN, DBKSF, ESIFF, PMIR, and SITS. Life Insurance Company Of Alabama differentiates itself through its focus on niche insurance markets and its long-standing presence in the industry. The life insurance sector is expected to see steady growth, driven by an aging population and increasing awareness of financial security.
Who Are LINS's Key Customers?
- Individuals seeking life insurance for financial protection.
- Families looking for insurance coverage for various health needs.
- Individuals seeking supplemental insurance for specific health risks.
- Businesses offering insurance benefits to their employees.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 40 snapshots
| 2026-08-23 | 47 |
| 2026-08-31 | 47 |
| 2026-09-08 | 47 |
| 2026-09-16 | 47 |
| 2026-09-24 | 47 |
| 2026-10-03 | 47 |
What changed?
The score has stayed at 47.
Over the same 30 days the stock moved -27.3%.
Company Profile
Life Insurance Company Of Alabama operates in the Insurance - Life industry within the Financial Services sector. It is headquartered in Gadsden, US. The company is led by CEO Clarence William Daugette. LINS has traded publicly since 1994.
Life Insurance Company Of Alabama (LINS) Valuation Context
Valued at $5.83M, LINS is classified as a micro-cap stock.
Key Financial Metrics
Return on equity for Life Insurance Company Of Alabama stands at 10.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 2.9%, showing how much profit it generates from its asset base. LINS trades at a trailing price-to-earnings ratio of 8.12, below the Financial Services sector average of ~17.20x. A current ratio of 2.13 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 11.2%, the inverse of the P/E and a quick read on earnings relative to price.
LINS Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Diverse range of insurance products.
- Established presence in the life insurance market.
- Strong focus on customer service.
- Consistent profitability and financial stability.
Bear Case
- Limited geographic reach compared to larger competitors.
- Reliance on traditional insurance distribution channels.
- Smaller market capitalization may limit access to capital.
- Exposure to regulatory changes in the insurance industry.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
LINS Latest News
No recent news available for LINS.
LINS Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for LINS.
Price Targets
Wall Street price target analysis for LINS.
LINS MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for LINS; grades run from A+ (80-100) to F (below 30).
Leadership: Clarence William Daugette
CEO
Clarence William Daugette serves as the CEO of Life Insurance Company Of Alabama. His career spans several decades in the insurance and financial services industries. Daugette has held various leadership positions, demonstrating expertise in strategic planning, risk management, and operational efficiency. He is known for his commitment to customer service and his ability to drive growth and innovation within the company. Daugette's educational background includes a degree in business administration and certifications in insurance and financial planning.
Track Record: Under Clarence William Daugette's leadership, Life Insurance Company Of Alabama has maintained consistent profitability and expanded its product offerings. He has overseen the implementation of new technologies to improve customer experience and streamline operations. Daugette has also focused on strengthening the company's relationships with healthcare providers and distribution partners. Key milestones include achieving a 7.2% profit margin and a 2.22% dividend yield.
LINS OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Life Insurance Company Of Alabama may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not be required to file regular financial reports with the SEC. This contrasts with NYSE or NASDAQ-listed companies, which must adhere to strict listing standards, including minimum market capitalization, share price, and financial reporting requirements. Investing in OTC Other stocks carries higher risks due to the lack of regulatory oversight and transparency.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower trading volume can lead to price manipulation.
- Higher bid-ask spreads increase transaction costs.
- OTC Other status indicates potential regulatory or financial issues.
- Potential for delisting or trading suspension.
- Verify the company's registration and legal standing.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive position.
- Evaluate the management team's experience and track record.
- Monitor trading volume and price volatility.
- Understand the risks associated with OTC investing.
- Consult with a financial advisor before investing.
- Long-standing presence in the insurance market (founded in 1952).
- Operation within a regulated industry (insurance).
- Availability of some financial information (e.g., market cap, P/E ratio).
- CEO with a documented background in the industry.
- Dividend yield suggests some financial stability.
LINS Financials Stock FAQ
Is LINS a good stock to buy?
Stock Expert AI does not rate LINS buy, sell or hold. Life Insurance Company Of Alabama has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns and what the price assumes. This is educational content, not investment advice.
What is the LINS stock price today?
The last price recorded on this page for Life Insurance Company Of Alabama (LINS) is $40.01, as of the Oct 2, 2026 trading session. It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What do analysts say about LINS stock?
Analyst coverage for Life Insurance Company Of Alabama (LINS) is limited, given its OTC listing and smaller market capitalization. Key valuation metrics include a P/E ratio of 8.12 and a dividend yield of 2.22%. Investors should conduct thorough due diligence and consider the risks associated with OTC investing.
What are the key factors to evaluate for LINS?
Evaluate LINS on fundamentals, analyst consensus, and risk factors. P/E: 8.12x. The company's low beta of 0.30 suggests lower volatility compared to the broader market. Not financial advice.
How frequently does LINS data refresh on this page?
LINS's price is the last quote we recorded, from the Oct 2, 2026 trading session. Pages are served from a cache, so the copy you are reading can lag that quote. The quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 is recalculated from the most recent completed US trading session; the score's own date shows its last successful run.
What has driven LINS's recent stock price performance?
Life Insurance Company Of Alabama (LINS) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diverse range of insurance products. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LINS overvalued or undervalued right now?
Life Insurance Company Of Alabama (LINS) trades at 8.12x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research LINS before investing?
Before investing in Life Insurance Company Of Alabama (LINS), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
No publishable V2 score is available for this stock yet.
Data provided for informational purposes only.
- Limited analyst coverage and financial disclosure for OTC-listed company.
- Information based on available financial data and company description.