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Upgrades and downgrades before the market open
Upgrades:
Chevron (CVX) upgraded to Buy from Hold at Argus; target $100
Downgrades:
Caterpillar (CAT) downgraded to Hold from Buy at Deutsche Bank
Other:
Apple (AAPL) target lowered to $130 from $140 at UBS
3M (MMM) target lowered to $136 from $140 at RBC Capital Mkts
UnitedHealth (UNH) initiated with a Outperform at Credit Suisse
MasterCard (MA) initiated with a Buy at UBS
Visa (V) initiated with a Buy at UBS
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