Charlotte 49ers defeat Temple Owls 38-31: Recap, Betting Results & AiQ Picks
Sat, Oct 17, 2026 · NCAAF · Charlotte 49ers 38, Temple Owls 31
Charlotte 49ers 38, Temple Owls 31 – Charlotte covered the +17 spread and the game went over the 47.5 total.
Charlotte 49ers vs. Temple Owls final score and game recap
Charlotte's fourth-quarter surge decided the game at Lincoln Financial Field on Saturday, October 17. The 49ers outscored Temple 17–10 in the final quarter after the teams were tied 21–21 entering the period. Temple led 14–7 at halftime following a 7–0 second-quarter run, but Charlotte answered with 14 third-quarter points to level the score.
Conner Harrell completed 23 of 31 passes for 281 yards and two touchdowns to lead Charlotte's offense. Henry Rutledge added 123 rushing yards on 17 carries. Temple's Ajani Sheppard went 15 of 23 for 236 yards and a touchdown, while receiver Peter Clarke caught five passes for 127 yards and a score.
Who covered the spread in Charlotte 49ers vs. Temple Owls?
Charlotte covered as a +17 underdog, winning by 7 points. The line opened at Temple –21 but softened to –17 as money drifted toward the 49ers, a 4-point shift that proved prescient. The 49ers' upset win delivered an against-the-spread victory for bettors who backed the underdog at closing odds.
Did Charlotte 49ers vs. Temple Owls go over or under the total?
The game went over the 47.5 total, finishing with 69 combined points—21.5 points above the line. The total opened at 46.5 and rose 1 point to 47.5.
How did AiQ's Charlotte 49ers vs. Temple Owls predictions do?
AiQ finished 0–1 on this matchup.
- Moneyline: pick Temple Owls at –1167 – LOSS (–$100 on a $100 bet)
AiQ's model assigned Temple a 93% win probability, matching the market's implied probability after removing the vig. However, the –1167 price carried a –0.7% expected value at the best available price (–1400), meaning the model liked the side but not the price. Charlotte's upset win cost the pick.
Charlotte 49ers vs. Temple Owls game prop results: team totals, first half and first quarter
- Temple Owls team total 31.5: Under (paid –115); they scored 31
- First-half moneyline: Temple Owls won the first half (paid –600)
- First-quarter moneyline: tied, bets refunded
- First-quarter total 9.5: Over (paid –130); 14 points were scored
- First-half spread: Charlotte 49ers +9.5 covered (paid +105)
- First-half total 23.5: Under (paid +110); 21 points were recorded
- Charlotte 49ers team total 14.5: Over (paid –108); they posted 38 points
Charlotte 49ers vs. Temple Owls odds: sportsbook value and line movement
The closing moneyline stood at Charlotte +752 and Temple –1167, implying an 11% win probability for Charlotte and 89% for Temple after the vig was removed. The bookmaker's margin sat at 3.8%. Charlotte's +752 paid $752 on a $100 wager, rewarding bettors who backed the underdog.
Charlotte 49ers and Temple Owls betting trends: 2026 season
Charlotte sits at 1–6 overall with a 0–3 home record and 1–3 away/neutral. Against the spread in seven games with a recorded closing line, the 49ers are 3–4. They have hit the over in four of seven totals. Their last five results read W, L, L, L, L.
Temple is 2–5 overall, 1–4 at home and 1–1 away/neutral. The Owls are 4–2–1 against the spread in seven games with a recorded closing line and have gone under four of seven totals. Temple is on a two-game losing streak.
What's next for Charlotte 49ers and Temple Owls?
Charlotte will host the Tulane Green Wave on Friday, October 30. Temple travels to face the East Carolina Pirates on Saturday, October 31.