Temple Owls vs Charlotte 49ers Prediction, 10/18/2025 College Football Picks, Best Bets & Odds

Game: Temple Owls vs Charlotte 49ers

Date: Saturday, October 18, 2025

Location: Jerry Richardson Stadium in Charlotte, NC

TV: ESPN+

Odds/Point Spread: 49ers (+11.0)

Total/Over-Under: 48

The Temple Owls (3-3) are traveling to Jerry Richardson Stadium on Saturday, October 18, 2025 where they will try to beat the Charlotte 49ers (1-5). Charlotte opens this matchup as 11.0-point dogs. The total is 48.

The Temple Owls come into this game with a record of 3-3 for this season. In their last game, the Owls played the Navy Midshipmen and went home with a loss by a final score of 32-31. The Temple Owls ended up running the ball 40 times and tallied 173 yards, which earned them an average of 4.3 yards per tote. On the day, they had 76 plays for 518 yards. Temple surrendered 6 pass completions on 17 attempts for a total of 141 yds, and a completion percentage of 35.3%. On the ground, the Owls gave up 243 yards on 37 attempts, which is an average of 6.6 yds per rush allowed.

The Owls have earned 2,286 total yards for the year. When it comes to getting the ball in the endzone, Temple has earned 15 touchdowns via the pass and 8 touchdowns via the ground. They have turned the ball over 1 times. Temple has compiled 120 first downs offensively, and they have been called for 30 infractions for 314 yards. Offensively they hold an average of 172.0 yards on the ground ranking them 51st in D-1. When talking about getting in the endzone, the Temple Owls are averaging 30.3 points per game.

The Owls are ranked 82nd in Division 1 in terms of team defense, conceding 26.2 PPG. The opposition is running for 5.5 yards per attempt on the ground and 172.2 rushing yards per game this year. Overall, they have allowed 1,033 yards on the ground through 6 contests. Concerning yards through the air, the Owls have allowed 1,061 yds which has them sitting in 27th in college football. They have allowed 176.8 yards per outing through the air in addition to giving up a completion percentage of 57.8%. Overall, they are conceding 349.0 yards per outing which puts them 57th in D-1. They have allowed 7 touchdowns by air as well as 13 touchdowns via the ground game.

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The 49ers head into this game 1-5 for this season. The last time they took the field, the 49ers took a defeat with a final score of 24-7 when they faced the Army Black Knights. Charlotte relinquished 64 run attempts for 304 yards (4.8 yards per rush). The 49ers pass defense gave up a completion rate of 33.3%, relinquishing 50 yds on 2 out of 6 passing. The 49ers finished the game with 178 yds while running 55 plays (3.2 yds per play). Charlotte ran the ball for 2.3 yds per attempt, finishing the game with 68 yds on 29 attempts.

Concerning the points being put on the board, the 49ers are sitting 123rd in the nation averaging 17.7 points per outing. The Charlotte 49ers are averaging 307.2 yards/outing, which is good for 125th in D-1. The Charlotte offense has totaled 344 yds of penalties on 41 violations, which ranks them 48th in college football in terms of making mistakes. They have given away 6 interceptions while losing 7 fumbles and they have earned 113 first downs. During the season to this point, the 49ers have compiled 1,292 passing yards as well as an average of 215.3 throwing yards per outing, ranking them 84th in the nation. They are averaging 91.8 run yards per game and have toted the ball for 551 yards in total.

The 49ers are giving up 32.5 PPG, which has them sitting 124th in the country. Charlotte has conceded a total of 1,344 rushing yards (224.0 yards per game) in addition to 12 touchdowns via the rush this season. They have allowed 13 touchdowns through the air in addition to 223.5 yards per outing, which has them ranked 72nd in college football. The 49ers defense has been on the field for 443 plays, which is 122nd in the country. They have tallied 4 fumbles and 2 picks so far this year. Over the course of the season, they have surrendered 195 points in total.

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

Josh's Pick: Take the Owls -11.0

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