 The American scholar, William Arthur Ward, once wrote: The pessimist complains about the wind; the optimist expects it to change; and the realist adjusts the sails.In todays market, the price of a stock is influenced by more than just conventional factors. We live in an evolving world experiencing swift and transformative change. For this reason, an investor needs a more comprehensive way to analyze investment opportunities.This is exactly why TipRanks created the Smart Score an all-encompassing way to evaluate a stock. The Smart Score aggregates eight important factors, some of which are unfamiliar to the average investor, such as hedge fund and insider activity. Each stock is then ranked from 1 to 10, with 10 being the highest, so that an investor can keep up and make a more informed decision.With this in mind, using TipRanks database, we identified three stocks that have earned the Perfect 10 Smart Score. Not to mention each offers up double-digit upside potential. Gaia Inc. GAIATo start us off we have Gaia, Inc. formerly Gaiam, an internet media company that provides video streaming and on-demand services through a subscription. The company has a library of about 8,000 titles which focus on topics including spiritual growth, yoga and alternative healing.Gaia experienced strong demand for its services in the first quarter of 2020 when people stayed home due to the COVID-19 pandemic. Revenue climbed 16 to 14.5 million, from 12.5 million the year before. The increase was driven by growth in paying members and average revenue per member. The positive trend continued when management announced that despite the relaxing of stay-at-home orders, sales momentum persisted. Some investors were concerned that demand would drop-off when the economy re-opened.Weighing in on the news, Roth Capitals Darren Aftahi stated, GAIA announced that it anticipated second quarter 2020 ending subscription count of 655,000 or 19,000 better than our estimate as the company has continued to benefit from increased engagement from the dynamics of stay at home orders through second quarter despite the recent easing. We see this as favorable as it increases the starting subscription base for third quarter, where GAIA reiterates it expects to be earnings and free cash flow positive in July.To this end, the 5-star analyst rates GAYA a Buy along with a 13.00 price target. This indicates significant upside potential of 41 from current levels. To watch Aftahis track record, click hereAs for the rest of the Street, only one other analyst provided a recommendation on the stock over the last three months, which was also a Buy. This translates to a Moderate Buy consensus rating. The average price target is 15, which represents substantial upside potential of 62. See Gaia stock analysis on TipRanksAthene Holding ATHNext on our list is Athene Holding, a financial services company that sells retirement savings products such as annuities to individuals and institutions.Athene has been able to achieve respectable operating results during the COVID-19 pandemic. In the first quarter of 2020, the company generated 3.9 billion of deposits. Although this was a decrease of 17 year-over-year, deposits actually rose 8 quarter-over-quarter.5-star analyst James Fotheringham, of BMO Capital, provided his take on the companys growth prospects: We view Athene as a compelling GARP growth at a reasonable price opportunity. Athene shares offer above-average capital-adjusted growth i.e., earnings plus excess capital at a very meaningful valuation discount.Theres another side to Athenes business, which is how it deploys the earnings deposits. The company invests the funds it receives from customers and attempts to realize a greater return than they promised to pay out. Given all of the recent market volatility, Athene had to mark down the fair value of its assets in the first quarter, resulting in a 1.1 billion loss compared to net income of 708 million the year before. Nevertheless, the analyst is not concerned, noting: Investor concerns around credit risk for Athenes invested assets, are misplaced we think.Based on all of the above, Fotheringham has an Outperform i.e. Buy rating on the stock with a 62 price target, which suggests huge upside potential of 85. To watch Fotheringhams track record, click here Looking at the rest of the analyst community, the bulls represent the majority. 5 Buys and 1 Hold add up to a Strong Buy consensus rating. The 44.80 average price target implies 34 upside potential. See Athene stock analysis on TipRanksSterling Bancorp STLWe end our list with another financial services company, Sterling Bancorp, which offers banking products and services to consumer, commercial, and municipal customers primarily in the New York metropolitan area.Sterlings operating performance was negatively affected by the COVID-19 pandemic. On July 22, the company reported second quarter adjusted EPS of 0.29, compared to the consensus estimate of 0.31 and the prior-year quarter result of 0.46. The poor showing was due to a 56.6 million credit loss provision, which couldnt be offset by deposit growth of 4.6 and loan growth of 2.9.While the stock has significantly underperformed the broader market, plummeting 46 year-to-date, Maxim analyst Michael Diana believes the sell-off is overdone. STL shares are currently trading at 5.9x our 2021 EPS estimate; very undervalued, in our view, he explained.Diana is very bullish on the stock going forward. He noted, Over the next four quarters, we expect, stock price appreciation of nearly 71 to our price target and a dividend yield of 2.4, which should result in an estimated total return of about 73. To explain how he reached his price target, the Maxim analyst stated, Our price target equates to 10.0x our 2021 EPS estimate unchanged and is in line with high-quality small and mid-cap banks.To this end, Diana rates STL a Buy rating, while his 20 price target implies a hefty upside potential of 78. To watch Dianas track record click hereAll in all, other analysts are in agreement. The stock received 7 Buy ratings and 1 Hold in the past 3 months, which amount to a Strong Buy consensus view. The average price target is not as aggressive as Dianas at 15.33, yet it still suggests healthy upside potential of 36. See STL stock analysis on TipRanksTo find good ideas for stocks trading at attractive valuations, visit TipRanks Best Stocks to Buy, a newly launched tool that unites all of TipRanks equity insights. 