Should I graduate from the University of Florida or transfer to break into IB?

Also UF has a program where I would be able to graduate with a Masters of Science in Finance and simultaneously earn a bachelors degree in 4 years.

stay at UF and do MSF

If banking is the dream Umich will get you there and also be an amazing time. Friends at UF who did combined ug + MBA all got great jobs and loved their experience there too. Admittedly never heard of bankers from UF

I went to a target but I'm from FL and have friends who went to UF and are actually at Evercore now. The BBs/EBs recruit from the MSF program, which is only open to UF undergrads. To be fair though, most end up at places like RBC rather than Evercore, as you noticed, but honestly those are still very good opportunities for UF students. 

If you really want a good shot at a top bank though, yes you should really transfer to a target. It will make your life so much easier with recruiting.  Also to add to your list I would say Penn. Only CAS though because even though Wharton takes 100+ transfers, only ~3 are external transfers.

Free tuition to school where there's hot girls, warm weather and a good deal of alumni on the Street? I don't think this is that hard of a decision lol.  You'll come out debt free and can save all that money that you would otherwise be using to pay down student loans if you went somewhere else. 

Have fun at UF while you're there, but try to transfer. 

Very familiar with the path into banking from UF. Honestly, not very difficult. People often are overly consumed with the idea of a target as the only way to break into banking.

If you network, are prepared for interviews, and look for the opportunities you want, it's extremely obtainable. Most students at UF go to Wells/RBC, but that's more so a product of most students not goimg outside of the opportunities provided for UF students.

If you network heavily, you'll be fine--and graduate with only the cost of your room and board. That being said, if you want the educational resources and network of students that those schools offer, it could be worthwhile to consider transfering.

MSF program places into EVR, JEF, Baird, RBC, Truist, etc.

Stay at UF, get into MSF, join a fraternity, have a blast and maintain a 3.7+.

You can place pretty much anywhere from UF with maybe the exception of PJT or CVP (although CVP takes a decent amount of non-targets). If you are diversity, it’s even easier and you should take full advantage of those diversity programs. If you maintain above a 3.9 there, get involved with GSIF and do the MSF program, you’re solid. There’s people from schools that have almost no representation on the street and place into top programs. You have to just be willing to hustle. From what I’ve seen, UF students tend to self-select into Wells/RBC/Truist because the head of the MSF program has good connections with them and the program is essentially a target for those. However, you can definitely network for any program you want, just as soon as you start at the school your freshman year aim to join GSIF ASAP an aim to get involved with MSF and do the requirements to get it. Also, start networking for a freshman internship for the summer and in the spring be ready to start networking for a sophomore internship. The people who end up getting into EVR are always involved with GSIF (normally in leadership positions) and have above 3.9 GPAs. Hope this helps.

I'm graduating from UF in a month. 90% of people who get banking placements do the MSF program here. Absolutely possible to get them without it (except for Evercore), but it's a lot more difficult. If you're diversity, every firm is attainable without MSF. The only attainable firms for everyone else are:

Evercore (2 people)

RBC (4-5 people)

Jefferies (mixed relationship due to people reneging)

WF

Houlihan Lokey

Truist

Raymond James

The program has gotten a lot more competitive in the past 2 years. It used to be you needed a 650+ on the GMAT and know the director and you'd be fine. Now you have to be on the director's good side and the average GMAT is 680+, and the director will shame you if you're below 700. Evercore won't take you unless you have a 700+, do GSIF, and have a 3.8+. If you're a girl or diversity the entrance requirements for the program are less. There's just not a lot of interest in the program so if you have a 3.5+ and a 600+ on the GMAT as a female/diversity candidate you don't have much competition. Also if you're interested in consulting, MBB relationships have finally been developed and in the next few years I wouldn't be surprised if we send 2 kids to each MBB firm yearly.

Pros of going to UF are the worklife balance (really fun school), it being free because of BF, and banking being attainable, albeit placements limited. It's also not incredibly competitive to do extra-curriculars; if you're a smart person most things are attainable. Compare this to other schools where you have more people competing for banking jobs than there are jobs available and the cutthroat culture, UF is a lot easier and a better environment.

I'd say the only downside are the narrow placements. Not only that, but from the people I've spoken to in PE, even the Evercore guys with 720+ GMAT scores and a top tier bank on their resume had major problems recruiting for PE. UF will be a major red flag on your resume. To be fair there are PE firms that are exclusionary towards UMich and other top public graduates too, but it's a problem nonetheless. If you're after MM and especially LMM PE it's not a problem though.

I'm not sure when transfer applications are due, but I'd assume after your first semester so you'd have grades. Give yourself a semester, if you like it stay, if you don't then trasnfer.