The article provides an overview of analyst ratings for Charles Schwab (NYSE:SCHW) stock over the past 3 months. The average 12-month price target of $69.8 represents a 13.05% decrease from the previous average price target of $80.28. This information is relevant and important for investors in SCHW, as it provides insight into the opinions of professional analysts. However, the score is neutral because the ratings are a mix of bullish, somewhat bullish, indifferent, and somewhat bearish opinions, and the decrease in the average price target does not necessarily indicate a negative short-term impact on the stock price.