Buffalo Bulls vs FIU Panthers Prediction, 9/12/2026 College Football Picks, Best Bets & Odds

Game: Buffalo Bulls vs FIU Panthers

Date: Saturday, September 12, 2026

Location: Pitbull Stadium in Miami, FL

TV: ESPN+

Odds/Point Spread: Panthers (-10.5)

Total/Over-Under: 47.5

The Buffalo Bulls (1-0) are headed to Pitbull Stadium on Saturday, September 12, 2026 where they will try to beat the FIU Panthers (0-1). Buffalo opens this game as 10.5-point underdogs. The over/under has been set at 47.5.

The Buffalo Bulls step onto the field holding a record of 1-0 for this season. In their last contest, the Bulls played against the Albany Great Danes and earned the victory with a final of 21-17. The Buffalo Bulls ended up running the ball 33 times and totaled 151 yds, which earned them an average of 4.6 yds per carry. In all, they tallied 80 plays which gave them a total of 340 yards. Buffalo gave up 19 completions on 41 attempts for a total of 204 yds, and a completion rate of 46.3%. In the running game, the Bulls conceded 72 yards on 31 tries, which is an average of 2.3 yds per run surrendered.

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The Bulls have earned 340 total yards for this campaign. In terms of scoring touchdowns, Buffalo has earned 3 touchdowns via the pass and no touchdowns on the ground. They have turned the ball over 1 time. Buffalo has a total of 18 1st downs as an offense, and they have committed 10 penalties for 119 yds. As a team they're maintaining an average of 151.0 yards in the run game which has them sitting 78th in college football. In terms of scoring points, the Buffalo Bulls hold an average of 21.0 points per outing.

In terms of passing yards, the Bulls have allowed 204 yds which has them ranked 75th in the country. They have given up 204.0 yards per outing through the air in addition to allowing a completion percentage of 46.3%. In total, they are surrendering 276.0 yards per outing which has them ranked 56th in D-1. They have granted 2 touchdowns via the pass as well as no touchdowns via the ground game. The opposition is running for 2.3 yards per running attempt and 72.0 rushing yards per game on the year. During the season, they have conceded 72 yards on the ground through 1 outing. The Bulls are sitting in 76th in Division 1 concerning team defense, allowing 17.0 PPG.

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The Panthers come into this game with a record of 0-1 for this season. The last time they took the gridiron, the Panthers took a loss by a score of 19-9 when they faced the USF Bulls. The Panthers finished the contest with a total of 381 yards while they ran 75 plays (5.1 yards per play). FIU rushed the football for 3.2 yards per attempt, finishing with a total of 80 yards on 25 carries. FIU allowed 38 rushing attempts for 108 yards (2.8 yds per carry). The Panthers secondary gave up a completion percentage of 61.1%, surrendering 100 yds on 11 out of 18 passing.

In relation to how much they score, the Panthers sit 126th in Division 1 with an average of 9.0 PPG. The FIU Panthers maintain an average of 381.0 yards per contest, which has them ranked 85th in college football. The FIU offense has totaled 50 penalty yards on 8 infraction, which is 51st in the nation in terms of helping out the other team. They have given away 2 interceptions while letting opponents recover 1 fumble and they have been able to earn 19 1st downs. During this campaign so far, the Panthers have thrown for 301 yards via the pass. They are averaging 80.0 yards per game on the ground.

FIU has surrendered a total of 108 yards on the ground and 1 touchdown via the rush on the year. They have allowed the opposition no touchdowns through the air in addition to 100.0 yards per game, ranking them 22nd in D-1. They have tallied no fumbles and no interceptions over the course of the season. The Panthers defense has participated in 56 plays, which ranks 38th in the nation. The Panthers are relinquishing 19.0 PPG, ranking them 80th in the nation.

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

Tony's Pick: Take the Panthers -10.5

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