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Upgrades and downgrades before the market open
Upgrades:
Downgrades:
Travelers (TRV) downgraded to Neutral from Buy at BofA/Merrill
Other:
FedEx (FDX) target raised to $210 from $190 at Citigroup, maintain Buy
Microsoft (MSFT)initiated with a Overweight at JP Morgan
AT&T (T) initiated with a Underweight at HSBC Securities
Verizon (VZ) initiated with a Neutral at HSBC Securities
Apple (AAPL) target raised to $135 from $120, maintain Buy at Canaccord Genuity
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