The Temple Owls (3-3) hit the road for an AAC battle against the Charlotte 49ers (1-5) on Saturday, October 18, 2025 at Jerry Richardson Stadium.

The 49ers are expected to lose by at least two scores (currently +11.5) against the Owls (with an over/under of 48.5 points).

Keep reading to check out our betting preview for this this contest between the Owls and the 49ers, and find all of our predictions here, too!

Temple vs. Charlotte betting lines

• Spread favorite: Owls (-11.5)
• Moneyline: Owls (-429), 49ers (+332)
• Total: 48.5 points

Temple vs. Charlotte betting info and stats

Temple is 5-1-0 against the spread this season. In one game played when favored by at least 11.5 points, Temple covered the spread. Temple has won both games as the moneyline favorite this season. Charlotte has a pair of wins against the spread this season (2-3-1). When Charlotte is an underdog by 11.5 points or more, it has gone 1-1-1 ATS. This will be the sixth time this year Charlotte is the moneyline underdog, and have lost each such contest.

Temple vs. Charlotte recent stats and trends

Temple Owls

• Temple has covered the spread in each of its last three games while going 1-2 overall.
• Two times in those three games, the final combined score has surpassed the set total.
• The past three Temple games averaged 6.0 more points (54.5) than this matchup’s point total.

Charlotte 49ers

• Charlotte has covered the spread once in its last three contests while putting up a 1-2 record straight-up in those games.
• The final combined score of the past three Charlotte games has exceeded the set total twice.
• The last three Charlotte games averaged 48.2 total points, 0.3 fewer points than this matchup’s point total.

Temple vs. Charlotte key players

Temple Owls

• Evan Simon has thrown for 1,150 yards (191.7 ypg) to lead Temple, completing 61.4% of his passes and tossing 13 touchdown passes this season. He’s also figured in the ground game with 156 rushing yards on 45 carries with one rushing touchdown.
• Jevyon Ducker has carried the ball 90 times for a team-high 446 yards on the ground and has found the end zone four times.
• Hunter Smith has been handed the ball 31 times this year and racked up 210 yards (35.0 per game) with two touchdowns.
• Jojo Bermudez’s 285 yards as a receiver pace the team. He’s been targeted 36 times and has collected 22 receptions and four touchdowns.
• Peter Clarke has hauled in 17 passes while averaging 46.0 yards per game and scoring three touchdowns.
• Kajiya Hollawayne has been the target of 22 passes and compiled 16 grabs for 256 yards, an average of 42.7 yards per contest. He’s found the end zone two times through the air this season.
• Cam’Ron Stewart leads the team with 4.0 sacks, and also has 6.0 TFL and 11 tackles.
• Temple’s leading tackler, Curly Ordonez, has 25 tackles, 4.0 TFL, and one sack this year.
• Ty Davis has a team-high one interception to go along with six tackles and one pass defended.

Charlotte 49ers

• Conner Harrell has racked up 737 yards on 66.7% passing while recording four touchdown passes with two interceptions this season. He’s also run for 67 yards with two scores.
• Rod Gainey Jr. has run for 196 yards on 50 carries so far this year while scoring one time on the ground.
• CJ Stokes has racked up 48 carries and totaled 149 yards with one touchdown.
• E. Jai Mason’s 310 receiving yards (62.0 yards per game) are a team high. He has 21 receptions on 31 targets with four touchdowns.
• Javen Nicholas has racked up 304 receiving yards (50.7 yards per game) and one touchdown on 29 receptions.
• Sean Brown’s 13 receptions (on 14 targets) have netted him 166 yards (33.2 ypg).
• Reid Williford paces the team with 2.0 sacks. He’s also the team’s tackle leader, and has collected 2.0 TFL and 43 tackles.
• Ja’Qurious Conley leads the team with one interception, while also recording 29 tackles and one pass defended.