Charlotte 49ers vs USF Bulls Prediction, 10/3/2025 College Football Picks, Best Bets & Odds

Game: Charlotte 49ers vs USF Bulls

Date: Friday, October 3, 2025

Location: Raymond James Stadium in Tampa, FL

TV: ESPN2

Odds/Point Spread: Bulls (-27.0)

Total/Over-Under: 55.5

The USF Bulls (3-1) will go up against the Charlotte 49ers (1-3) at Raymond James Stadium on Friday, October 3, 2025. Charlotte opens this matchup as 27.0-point dogs. The total is 55.5.

The Charlotte 49ers come into this matchup with a record of 1-3 for this season. The last time they took the field, the 49ers played the Rice Owls and walked away from this one with a loss by a score of 28-17. Against the rush, the 49ers conceded 255 yds on 46 tries, which is an average of 5.5 yards per run allowed. Charlotte surrendered 9 completions on 12 attempts for 98 yards, and a completion rate of 75.0%. In the game, they ran 76 plays which gave them a total of 334 yds. The Charlotte 49ers ended up rushing 32 times and had 75 yards, which had them averaging 2.3 yards per attempt.

The 49ers have racked up 1,386 total yards this season. With reference to getting in the endzone, Charlotte has earned 5 passing touchdowns and 3 rushing touchdowns. They have turned the football over 8 times. Charlotte has accrued 87 first downs as a team, and they have been flagged for 28 penalties for 243 yds. As a team they have an average of 88.3 yards on the ground which has them sitting 131st in Division 1. Regarding putting points on the board, the Charlotte 49ers have an average of 18.3 points per outing.

The 49ers rank 110th in D-1 in terms of team defense, giving up 29.3 points per contest. They are allowing teams to run for an average of 4.5 yards per running attempt and 158.3 rushing yards per game so far this season. Overall, they have allowed 633 yards via the ground game in 4 outings. In terms of yards through the air, the 49ers are giving up 1,067 yds which puts them in 89th in D-1. They have conceded 266.8 yards per outing through the air and allowed a completion percentage of 70.0%. Overall, they are surrendering 425.0 yards per game ranking them 118th in college football. They have surrendered 9 touchdowns by air in addition to 6 touchdowns running the ball.

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The Bulls step onto the field holding a record of 3-1 this season. The last time they took the field, the Bulls went home victorious with a score of 63-14 when they faced the South Carolina State Bulldogs. The Bulls finished the contest with a total of 504 yds while running 54 plays (9.3 yds per play). USF ran the ball for 9.0 yards per carry, finishing the game with 252 yds on 28 attempts. USF gave up 38 run attempts for 70 yards (1.8 yards per rush). The Bulls pass defense allowed a completion rate of 59.5%, relinquishing 235 yards on 25 out of 42 passing.

The USF Bulls maintain an average of 399.8 yards per game, ranking them 65th in the country. The USF offense has totaled 226 yds of penalties on 26 violations, which has them sitting 78th in the nation in terms of hurting your team. They are averaging 134.3 yards per game via the ground game and have rushed for 537 yards in total. They have thrown 2 interceptions while letting opponents recover 1 fumble and they have been able to obtain 70 first downs. Regarding this team's ability to score points, the Bulls are sitting 55th in Division 1 holding an average of 31.8 points per outing. During the season to this point, the Bulls currently have a total of 1,062 passing yards as well as holding an average of 265.5 passing yards per contest, ranking them 38th in the country.

USF has conceded a total of 530 rushing yards (132.5 yards/game) and 6 touchdowns via the rush for the year. They have conceded 5 touchdowns through the air as well as 271.0 yards/outing, ranking them 123rd in Division 1. This year, they have surrendered 86 points in total. Their defense has earned 3 fumbles recovered and 4 picks this year. The Bulls defense has taken the field for 298 plays, which is good for 74th in D-1. The Bulls are allowing 21.5 points per contest, which has them sitting 56th in college football.

Who will win tonight's 49ers/Bulls college football game against the spread?

Guy's Pick: Take the Bulls -27.0

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