Temple Owls vs. Charlotte 49ers Picks and Prediction for Saturday, October 18th, 2025
Use Code WWWC The Temple Owls take (3-3, 5-1 ATS, 4-2 O/U) meet with the Charlotte 49ers (1-5, 2-4 ATS, 3-3 O/U) in an AAC clash on Saturday afternoon, and we have you covered with the prediction. The Owls were hit with a home loss against Navy in their previous action. Last week, the 49ers dropped a road clash against Army. These squads last met in the 2016 season.
Can the Owls rebound with their second conference win of the season on Saturday afternoon? Check out the Owls vs. 49ers prediction. Do you need a boost in your handicapping? Try our NCAAF Picks!
Temple Competitive in First Conference Defeat
The Temple Owls are seeking their second conference win of the season. Temple was 2-0 to begin the season and has been shaky since. The Owls had a tough schedule last month, which included defeats against ranked Oklahoma and Georgia Tech squads. They beat UTSA 27-21 to begin conference play, but were charged with a narrow 32-31 home loss by Navy last week in a meeting that had the Owls as 10-point dogs. Temple led down the stretch but Navy scored with less than 30 seconds left and converted the 2-point conversion. The Owls have covered the spread in five of six games on the season.
Evan Simon had one of his best games of the season last week, recording 345 passing yards. The senior QB has surpassed 200 passing yards in just two games. He has posted 1149 passing yards and a 13:0 TD to INT ratio on the year. Temple will run more than pass. Jay Ducker amassed 97 yards last week. The senior RB has issued 446 rushing yards. Hunter Smith has 210 yards.
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The receiving core has three players with 200 or more yards. Peter Clarke leads the squad with 276 yards. Jojo Bermudez is next up with 266 receiving yards. The Temple offense had its best output of the season last week, racking up 518 yards. They are averaging 381 yards per game.
The Owls' defense is not as sharp as the offense. The group was decent against a good offense last week, giving up 384 total yards. They are conceding an average of 349 yards per game. Linebacker Curly Ordonez has made 29 tackles. The pass defense is outstanding, ranking 27th, while the rush defense has not been as effective, coming in at 105th.
Temple is averaging 30.2 points on the year, ranking them 56th. The Owls are conceding an average of 26.2 points, placing them 80th in the country.
Charlotte Targets First Conference Win
The Charlotte 49ers are seeking their first conference win of the season. Charlotte is having a rough season in what is considered a rebuilding year. The 49ers beat Monmouth in their only win. They stand at 0-3 in AAC play, including a 54-26 road loss against USF two weeks ago. The offense struggled in a 24-7 road loss against Army last week in a clash that had the 49ers marked as big 17-point dogs. The 49ers have covered the spread in just two games this season.
Charlotte is playing the remainder of the season without its #1 QB, Connor Harrell, due to a knee injury. Grayson Loftis and Zach Wilcke are sharing the duties under center. Loftis is struggling, completing only 49% of his passes. He has managed 363 passing yards and a 2:3 TD to INT ratio. Wilcke netted 42 yards last week and has 192 passing yards with two TDs against one pick. The rushing offense has also been quiet. They are only averaging 2.8 yards per rush on the season. CJ Stokes has managed 149 yards. Rod Gainey Jr. had most of the carries last week and leads the way with 196 rushing yards.
Charlotte has two players with at least 300 receiving yards. E.Jai Mason has posted 29 or fewer yards in all but one game and has recorded 310 receiving yards on the season. Javen Nicholas has brought in 304 receiving yards. Charlotte was kept to only 178 total yards last week. Their season average is down to 307 yards per game.
The 49ers' defense is also a weakness. The unit had some decent performances early in the season, but was exposed against USF earlier this month. The defense held up last week, yielding only 354 yards against a strong Army offense, although they struggled to contain the run. The defense is squandering an average of 447 yards per game on the year. Linebacker Kadin Schmitz has made 37 tackles. The pass defense is rated 70th, and the rush defense is among the worst, standing at 135th.
Charlotte is scoring an average of 17.7 points on the season, ranking them 125th. The 49ers are squandering an average of 32.5 points, pegging them 125th in the country.
Temple vs. Charlotte Pick
Spread Pick for Temple vs. Charlotte
- Temple -12 (5 units)
The Temple Owls are having a competitive season despite their losing record. It has been a daunting schedule. They have played against two ranked opponents and an undefeated Navy team last week. They covered the spread in all but one game this season. The Charlotte 49ers have only managed one win on the year, and it was against Monmouth, which does not play in the FCS.
Furthermore, Temple has a potent running game, averaging 171 rushing yards per game. This is good news in this matchup against a poor rush defense that is squandering an average of 224 rushing yards per game, ranking them 134th. Moreover, Charlotte has received almost no production at QB because they are playing without #1 QB Connor Harrell, due to injury. They will struggle in the air against an Owls' rush defense that is ranked 27th in the country. Each of the 49ers' defeats has been by 11 or more points.
Over/Under Pick for Temple vs. Charlotte
- Over 48 (5 units)
I expect a ton of scoring in this one. Temple has been dangerous on the road, scoring 66 points in its two road games. No under is safe when the 49ers are playing. This is a defense that squandered 35 points against Monmouth of the FCS and 54 points against USF two weeks.
In addition, as mentioned, the Owls are giving up points. Charlotte is without its #1 QB and will be relying more on the running game. This is key when considering the Owls' biggest weakness on defense is containing the run. They are pegged 106th in the country against the run, so I expect to see success on the ground. The over is a convincing 5-0 in the Owls’ past five road games.
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