Temple and Charlotte are slated to play in the American Athletic Conference on Saturday. Temple is playing .500 football going into this game and they will try to get the better of a Charlotte team that is struggling mightily this season. Before kickoff from North Carolina, continue reading to get my Temple vs Charlotte prediction.
Our Temple vs Charlotte Pick
- Pick: Temple -12.5
- Confidence: ★★★★☆
Game Snapshot
- Matchup: Temple Owls vs Charlotte 49ers
- Date & Time: Saturday, October 18, 2025, 3:30 PM ET
- Venue: Jerry Richardson Stadium, Charlotte, NC
- Broadcast: ESPN+
Temple vs Charlotte Odds
Betting Odds | Spread | Moneyline | Total |
|---|
Temple | -12.5 | -500 | Over 48.5 |
Charlotte | +12.5 | +360 | Under 48.5 |
Key Storylines
- Temple's Offensive Efficiency: Quarterback Evan Simon has been instrumental in Temple's offensive success. He has thrown for 1,149 yards and 13 touchdowns this season. Running back Jay Ducker is also dangerous with 90 carries for 446 yards and four touchdowns. The Owls will try to put up a big number on offense against a struggling Charlotte defense.
- Charlotte's Struggles: The 49ers have faced challenges this season. They have a 1-5 record and an 0-3 record in conference play. Charlotte's only win this season came against Monmouth out of the FBS and even that win came by just a touchdown.
- Recent Performances: Temple is coming off a 32-31 loss to Navy, where they fought valiantly but fell short in the final moments. Charlotte lost 24-7 to Army last week and they have lost three straight games entering this contest.
- Charlotte QB Situation: Charlotte went with a combination of Grayson Loftis and Zach Wilcke in their loss to Army last week. Neither quarterback was effective in that game, as those two combined for just 110 yards through the air. The quarterback position has become a complete liability for the 49ers and that has to change if they want a win over an FBS opponent at some point this season.
Betting Trends & Head-to-Head
- Temple is 5-1 against the spread going into this contest.
- Charlotte is 1-3-2 against the spread on the year.
- The Owls have gone over the total in four of their first six games.
- Charlotte games have gone 3-3 on the over/under market for the season.
- Temple is 2-0 all-time against Charlotte.
Temple vs Charlotte Model Projection
Score Projection: Temple 34 – Charlotte 16
Win Probability: Temple 78%, Charlotte 22%
Final Thoughts
Temple enters this matchup as a strong favorite and deservedly so. The Owls are better on both sides of the ball and I don't expect that to change in this game from North Carolina. I'll lay the points with the Owls here, as they should move to 4-3 on the season and get back above the .500 mark in AAC play for the year.
Jay Sanin
Jay Sanin is the GM and Head of Sports at ATS.io. He has been writing about sports gambling since 2013, handicapping tens of thousands of sporting events. He plays sides and totals aggressively across most sports and is more selective in player prop markets. He does his own modeling across most sports, and his family is jealous of how much time he spends on his precious spreadsheets.
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