The downgrade to In-Line suggests that Evercore ISI Group sees Ameriprise Financial as fairly valued at its current price, indicating a neutral outlook on the stock's short-term performance. However, the increase in the price target to $400 implies a belief that the stock still has the potential to grow, albeit at a slower pace than previously anticipated. This mixed signal could lead to a neutral short-term impact on the stock price as the market digests both the downgrade and the raised price target.