Temple Owls vs USF Bulls Prediction, 10/3/2026 College Football Picks, Best Bets & Odds

Game: Temple Owls vs USF Bulls

Date: Saturday, October 3, 2026

Location: Raymond James Stadium in Tampa, FL

TV: ESPNU

Odds/Point Spread: Bulls (-6.5)

Total/Over-Under: 50.5

Raymond James Stadium is the location where the USF Bulls (4-0) will play the Temple Owls (1-3) on Saturday, October 3, 2026. USF opens this matchup as 6.5-point favorites. The total is set at 50.5.

The Temple Owls step onto the field holding a record of 1-3 for this season. The last time they stepped onto the field, the Owls played the Army Black Knights and ended up losing by a score of 21-17. On the ground, the Owls conceded 279 yards on 57 tries, which calculates to 4.9 yards per run allowed. Temple gave up 3 pass completions on 6 attempts for 36 yards, and a completion percentage of 50.0%. Overall, they ran 52 plays which converted into 459 yds. The Temple Owls ran the rock 32 times and totaled 217 yards, which is an average of 6.8 yards per carry.

In terms of putting points on the board, the Temple Owls have an average of 28.0 points per outing. As a team they're holding an average of 220.3 yards via the ground game ranking them 24th in Division 1. The Owls have earned 1,536 total yards over the course of this season. When it comes to scoring touchdowns, Temple has compiled 6 touchdowns via the pass and 6 touchdowns on the ground. Temple has a total of 71 1st downs as a unit, and they have committed 18 penalties for 152 yds. They have turned the ball over 3 different times.

The Owls rank 105th in D-1 concerning their opponents scoring, giving up 27.8 PPG. Opposing teams are running for an average of 4.3 yards per rush on the ground and 157.8 yards on the ground per game on the campaign. During the season, they have allowed 631 rushing yards through 4 games. When it comes to yards through the air, the Owls have allowed 928 yards which has them sitting in 101st in D-1. They have relinquished 232.0 yards per game through the air in addition to allowing a completion percentage of 67.7%. For the season, they have allowed 389.8 yards/game ranking them 109th in D-1. They have surrendered 8 touchdowns via the pass as well as 7 touchdowns pounding the rock.

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The Bulls come into this matchup with a record of 4-0 for this season. In their last game, the Bulls got the victory with a final of 14-6 when they played the Bowling Green Falcons. USF ran the ball for 3.9 yds per carry, finishing with a total of 162 yds on 42 attempts. The Bulls finished the contest with a total of 214 yds on 53 plays (4.0 yards per play). The Bulls passing defense gave up a completion percentage of 57.1%, surrendering 122 yards on 16 out of 28 through the air. USF conceded 33 attempts on the ground for 85 yards (2.6 yards per rush).

Regarding their scoring prowess, the Bulls currently rank 77th in D-1 holding an average of 30.0 points per outing. The USF Bulls have an average of 350.5 yards per outing, which is good for 105th in college football. The USF offense has racked up 115 yds of penalties on 17 infractions, which is good for 129th in D-1 in terms of hurting your team. They have tossed no interceptions while letting opponents recover 3 fumbles and they have been able to earn 84 1st downs. For the season so far, the Bulls have racked up 712 yards via the pass as well as an average of 178.0 passing yards per game, which has them ranked 114th in Division 1. They maintain an average of 172.5 yards via the ground game and have run for 690 yards overall.

The Bulls are surrendering 14.0 points per contest, which has them sitting 21st in college football. USF has allowed a total of 487 yards rushing (121.8 yards per game) as well as 1 touchdown by way of the ground game this season. They have allowed 5 touchdowns through the air in addition to 200.3 yards per game, which puts them in 66th in college football. The Bulls defense has taken the field for 256 plays, which is 70th in college football. They have compiled 3 fumbles recovered and 2 interceptions for the season. This season, they have surrendered 56 points.

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

Josh's Pick: Take the Owls +6.5

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