FIU Panthers vs USF Bulls Prediction, 9/5/2026 College Football Picks, Best Bets & Odds

Game: FIU Panthers vs USF Bulls

Date: Saturday, September 5, 2026

Location: Raymond James Stadium in Tampa, FL

TV: ESPN+

Odds/Point Spread: Bulls (-13.5)

Total/Over-Under: 51.5

Raymond James Stadium is the location where the USF Bulls (9-4 last season) will try to defeat the FIU Panthers (7-6 last year) on Saturday, September 5, 2026. USF opens this matchup as 13.5-point favorites. The betting total comes in at 51.5.

The FIU Panthers ended the year with a 7-6 mark. The last time they stepped onto the field, the Panthers faced off with the UTSA Roadrunners and walked away from this one with a loss by a score of 57-20. Overall, they tallied 78 plays which gave them 255 yds. The FIU Panthers ran the rock 29 different times and accumulated 79 yds, which had them averaging 2.7 yards per carry. In the running game, the Panthers conceded 186 yds on 40 attempts, which averages out to 4.7 yards per run surrendered. FIU allowed 18 completions on 31 tries for 295 yds, and a completion percentage of 58.1%.

The Panthers earned 5,161 total yards for the prior season. FIU compiled 20 touchdowns through the air and 26 rushing touchdowns. They surrendered the football 21 different times. FIU accumulated 268 1st downs as a unit, and they were called for 85 infractions for 715 yards. Offensively they held an average of 181.6 yds via the ground game, which ranked them 36th in college football. Concerning putting points on the board, the FIU Panthers had an average of 28.5 points per game.

The Panthers were sitting in 105th in the country concerning the opposition scoring, allowing 30.0 PPG. They allowed teams to run for an average of 4.7 yards per tote and 161.6 rushing yards per game last year. Overall, they gave up 2,101 rushing yards through 13 games. Concerning yards through the air, the Panthers allowed 3,249 yds which ranked them 123rd in the nation. Over the course of their 13 games, they allowed 249.9 yards per game through the air and allowed a completion percentage of 60.8%. They relinquished 411.5 yards per game putting them at 110th in D-1. They yielded 26 touchdowns through the air and 20 running touchdowns.

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The Bulls wrapped up their year holding a 9-4 record. The last time they took the field, the Bulls took a loss by a score of 24-10 when they played the Old Dominion Monarchs. The Bulls finished with 333 yards while running 75 plays (4.4 yds per play). USF ran for 1.5 yards per attempt, finishing the game with 52 yds on 35 attempts. USF gave up 55 attempts on the ground for 255 yards (4.6 yds per rush). The Bulls secondary conceded a completion percentage of 42.3%, surrendering 127 yds on 11 out of 26 passing.

When looking at their ability to score points, the Bulls had a ranking of 5th in college football averaging 40.5 points per contest. The USF Bulls had an average of 488.7 yards/contest, which had them ranked 3rd in college football. The USF offense had 796 yds of penalties on 86 violations, which had them ranked 45th in the nation in terms of hurting your team. They gave away 10 interceptions while losing 9 fumbles and they recorded 309 1st downs. Last season, the Bulls compiled 3,596 passing yards not to mention averaging 276.6 passing yards per contest, ranking them 18th in college football. They averaged 212.1 run yards per game and ran for 2,757 yards overall.

USF allowed a total of 1,868 yards on the ground (143.7 yards per outing) and 21 touchdowns by way of the ground game throughout last year. They surrendered 16 touchdowns through the air as well as 242.8 yards/game, ranking them 112th in college football. Over the course of the season, they surrendered 304 total points. Their defense earned 10 fumbles recovered and 14 interceptions last year. The Bulls defense participated in 979 plays, which was 133rd in the country. The Bulls gave up 23.4 points per contest, which put them in 53rd in the country.

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

Guy's Pick: Take the Panthers +13.5

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