Official coverage of the Apple stock shows that Apple (APPL) has a neutral stock rating with a $95 price target. Brian Marshall at American Technology Research is paying attention to the company’s rating, and is contributing his findings to the parade of cautious commentary.

Marshall predicts that earnings for September 2009 will be $4.87 a share, below the Wall Street line of $5.22.

Marshall says that despite the numbers, the company is “arguably the best growth story in the technology sector today” and that the design of Apple’s products is what makes it such a great seller. He adds that, “perhaps more impressive have been the company’s efforts to create user friendly software and ecosystems.”