Charlotte 49ers vs Temple Owls Prediction, 10/17/2026 College Football Picks, Best Bets & Odds

Game: Charlotte 49ers vs Temple Owls

Date: Saturday, October 17, 2026

Location: Lincoln Financial Field in Philadelphia, PA

TV: ESPN+

Odds/Point Spread: Owls (-21.5)

Total/Over-Under: 47.5

The Charlotte 49ers (0-6) are on their way to Lincoln Financial Field on Saturday, October 17, 2026 where they will take on the Temple Owls (2-4). Temple opens this contest as 21.5-point favorites. The over/under is 47.5.

The Charlotte 49ers step onto the field holding a record of 0-6 for this season. In their last matchup, the 49ers faced off with the North Texas Mean Green and went home with a loss by a final score of 50-10. In the game, they ran 56 plays which gave them 274 yards. The Charlotte 49ers ended up running the ball 33 times and totaled 56 yards, which is an average of 1.7 yards per carry. Against the rush, the 49ers conceded 198 yards on 31 attempts, which is an average of 6.4 yds per rush allowed. Charlotte relinquished 28 completions on 39 tries for a total of 382 yards, and a completion percentage of 71.8%.

The 49ers have earned 1,727 yards in total for the season. When it comes to distribution of touchdowns, Charlotte has totaled 4 passing touchdowns and 6 rushing touchdowns. They have turned the ball over 15 times. Charlotte has compiled 78 first downs as a unit, and they have been flagged for 41 infractions for 287 yards. As a team they are averaging 101.5 yards on the ground ranking this team at 129th in the nation. When it comes to scoring points, the Charlotte 49ers are averaging 16.0 points per contest.

The 49ers are ranked 137th in D-1 in terms of the opposition scoring, conceding 42.2 points per contest. The opposition is running for an average of 4.5 yards per running attempt and 184.0 rushing yards per contest so far this season. During the season, they have allowed 1,104 running yards through 6 games. When talking about yards via the pass, the 49ers have conceded 1,697 yds which ranks them 133rd in the nation. They have yielded 282.8 yards per contest via the pass in addition to giving up a completion percentage of 73.0%. During the season, they are conceding 466.8 yards per contest ranking them 132nd in Division 1. They have granted 16 touchdowns via the pass and 16 touchdowns via the ground game.

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The Owls come into this game with a record of 2-4 this season. The last time they took the gridiron, the Owls got the victory with a final of 17-13 when they faced the USF Bulls. Temple ran the ball for 5.1 yds per attempt, finishing the contest with 182 yds on 36 attempts. The Owls finished with 274 yds while running 50 plays (5.5 yds per play). The Owls pass defense allowed a completion rate of 53.1%, relinquishing 205 yds on 17 for 32 passing. Temple gave up 34 rush attempts for 114 yards (3.4 yds per rush).

The Temple Owls have an average of 374.2 yards per game, which is good for 86th in Division 1. The Temple offense has 196 penalty yards on 25 infractions, which has them ranked 126th in college football in terms of making mistakes. They are averaging 201.5 yards per game on the ground and have toted the ball for 1,209 yards in total. They have thrown 1 interception while allowing opponents to recover 5 fumbles and they have been able to tally 107 1st downs. In relation to the points being put on the board, the Owls rank 95th in college football maintaining an average of 24.8 points per game. During the season so far, the Owls have compiled 1,036 yards through the air along with an average of 172.7 passing yards per game, giving them a rank of 122nd in Division 1.

Temple has given up a total of 993 yards rushing (165.5 yards per contest) as well as 12 touchdowns on the ground for the year. They have allowed 8 touchdowns from the passing game as well as 231.7 yards per contest, which has them in 99th in D-1. In total, they have conceded 158 total points. Their defense has earned 3 fumbles recovered and 2 picks on the year. The Owls defense has participated in 390 plays, which is good for 103rd in Division 1. The Owls are conceding 26.3 points per contest, which puts them 96th in D-1.

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

Guy's Pick: Take the Owls -21.5

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