Charlotte 49ers vs Temple Owls Final — October 17, 2026
CLTOffense2026 regular season to dateTEM
CLTDefenseTEMCLTRecent formTEMCLTHome and roadseason to dateTEMCLTLast 10 gamesTEMRest & travelrest and travel
CLTRest & travelTEMAbout these numbers
2026 regular season to date, captured before kickoff. League rank in small type (138 teams); the gold side ranks higher. Bars show rank, longest = 1st. Source: Gridiron & Wine public Analytics tables.
Last five results this season, oldest to newest. Records are season to date, with home and road splits. Against-the-spread (ATS) and over–under records use the consensus closing line.
Margin of each of the last 6 games this season, oldest to newest (gold = won). Hover a bar for the score margin.
Distance is straight-line from each team's home arena; time-zone change is at game time. Rest counts days since each team's previous game.
The pre-game matchup
Charlotte (0-5) visited Temple (1-4) on Saturday, October 17 at 1:00 PM ET.
Charlotte has the 138th-ranked offense by EPA per play (expected points added per snap) and the 106th-ranked defense (ranks among the 138 teams with play-by-play data). Meanwhile, Temple has the 30th-ranked offense and the 122nd-ranked defense. When Charlotte has the ball, a 138th-ranked offense (−0.297 EPA per play) meets a 122nd-ranked defense (+0.225 allowed); when Temple has it, a 30th-ranked offense (+0.191) meets a 106th-ranked defense (+0.178 allowed).
By success rate (the share of plays that gain expected points), the Charlotte offense is at 35.9% (138th) and the Temple offense at 47.6% (59th). Charlotte scores 11.0 points per game (133rd) and allows 42.0 (133rd); Temple scores 22.2 (92nd) and allows 28.8 (89th).
Charlotte is 0-6 and 2-4 against the spread; its last game was a 50-10 loss to North Texas. Temple is 2-4 and 4-1-1 against the spread; its last game was a 34-20 loss to UConn.
Temple closed as a 17.5-point favorite at home against Charlotte. The spread opened at Temple -23.5. The total closed at 47.5, down from 49.5 at the open. After removing the vig, the closing moneyline (Charlotte +750, Temple -1300) prices Charlotte at 11% and Temple at 89%.
Written from the numbers available before kickoff.
Result
Final score and result vs the closing line
Charlotte 49ers 38, Temple Owls 31
Charlotte 49ers won by 7.
- Against the closing spread (Temple Owls -17.5): Charlotte 49ers covered.
- Combined score 69 vs the closing total of 47.5: Over.
- Charlotte 49ers closed at +750 on the moneyline (a 11% no-vig market-implied chance).
Before the game: market and G&W
From open to close the market moved 4 points toward Charlotte 49ers.
Market numbers are the consensus moneyline with the bookmaker margin removed.
Win probability
Each team's chance of winning through the game, starting from the market's closing price (Charlotte 49ers 11%, Temple Owls 89%) and moving with every snap until the final.
Biggest swings
- Q3 7:17 — Charlotte 49ers ball, 2nd & 7 at TEM 8No Huddle-Shotgun #15 C.Harrell rush left for 8 yards gain to the TEM00 TOUCHDOWN, clock 07:17, 1ST DOWN #84 A.Bui kick attempt good (H: #44 I.Kelly, LS: #33 H.S…Charlotte 49ers 33% → 41% (+9 pts) · Drive 13 in Drive X-Ray
- Q3 6:26 — Temple Owls ball, 1st & 10 at CLT 44No Huddle-Shotgun #13 A.Sheppard rush left for 44 yards gain to the CLT00 TOUCHDOWN, clock 06:26, 1ST DOWN #98 C.Hardin kick attempt good (H: #7 D.Atton, LS: #97…Temple Owls 65% → 78% (+13 pts) · Drive 14 in Drive X-Ray
- Q3 0:43 — Charlotte 49ers ball, 3rd & 1 at CLT 31Shotgun #21 H.Rutledge rush left for 48 yards gain to the TEM21 (#29 A.Powell), 1ST DOWNCharlotte 49ers 25% → 40% (+15 pts) · Drive 17 in Drive X-Ray
- Q4 12:27 — Temple Owls ball, 3rd & 7 at TEM 35No Huddle-Shotgun #13 A.Sheppard pass complete deep right to #0 P.Clarke caught at CLT39, for 46 yards to the CLT19 (#12 C.Clinkscales; #16 S.McIntosh), 1ST DOWNTemple Owls 43% → 61% (+18 pts) · Drive 18 in Drive X-Ray
- Q4 5:27 — Temple Owls ball, 4th & 7 at CLT 38No Huddle-Shotgun #13 A.Sheppard sacked for loss of 7 yards to the CLT45 (#7 D.Burgess), TURNOVER ON DOWNSCharlotte 49ers 71% → 84% (+13 pts) · Drive 20 in Drive X-Ray
Charlotte 49ers won after falling as low as 4% (Q2 1:17).
Game DNA
| Charlotte | Points added | Temple |
|---|---|---|
| +8.6 | Passingdropbacks | -9.7 |
| -1.5 | Rushingdesigned runs | +1.5 |
| +12.4 | Explosive plays5 plays · 8 plays | +23.4 |
| -6.2 | Turnovers1 giveaways · 0 giveaways | +0.0 |
| +1.0 | Special teamskicks, punts and returns | -0.8 |
| +0.8 | Penaltiespre-snap and dead-ball | -0.0 |
| +0.2 | Red zoneTDs on trips: 4 of 5 · 2 of 4 | -1.5 |
| +15.3 | All plays | +12.9 |
The biggest single gap: passing, worth about 18.3 points to Charlotte 49ers. The final margin was 7.
Points added: what each team's plays added to its expected points, credited to the team with the ball. Each play counts once.
The official play, graded
The official play on this game, at the price it was sent, graded against the final score.
Every official play is logged and graded, wins and losses alike. Full track record.
Line review
Temple Owls closed as the market favourite at 89% and lost.
The line moved toward Charlotte 49ers before kickoff, and they won.
Market
Closing line and line movement
Charlotte +23.5 (-110)
Charlotte +17.5 (-115)
Temple -2387 92%
Temple -1300 89%
Consensus of US sportsbooks. Open = first line after both teams' previous games; Close = consensus at kickoff. Percentages are the moneyline's no-vig market-implied chances.
Members
G&W Line
G&W’s own number for this game, next to the market. Analytics
Matchup
Players to watch
- Attempts127
- Completion %62.2%126th
- Passing yards802202nd
- Yards per attempt6.3202nd
- TD–INT3–7
- Rushing yards216214th
- Season line46 carries, 216 yds, 3 TD
- Receiving yards34386th
- Season line35 catches, 343 yds
- Tackles4836th
- Attempts97
- Completion %60.8%150th
- Passing yards891179th
- Yards per attempt9.230th
- TD–INT7–0
- Rushing yards44942nd
- Season line81 carries, 449 yds, 2 TD
- Receiving yards234206th
- Season line12 catches, 234 yds, 2 TD
- Tackles5510th
Season passing totals from public box scores, captured before kickoff. Ranks among the 259 quarterbacks with at least 60 attempts. Rushing, receiving and tackle leaders: season totals captured October 14, 5:34 a.m. ET; ranks among FBS players.
Success by situation
| Situation | Charlotte | Temple |
|---|---|---|
| Early-down success rateCharlotte offense vs Temple defense | 36.4%129th | 48.8%127th |
| Early-down success rateTemple offense vs Charlotte defense | 51.1%136th | 42.1%82nd |
| 3rd-down conversion rateCharlotte offense vs Temple defense | 20.0%137th | 50.8%129th |
| 3rd-down conversion rateTemple offense vs Charlotte defense | 40.4%72nd | 46.3%31st |
| Explosive play rateCharlotte offense vs Temple defense | 4.4%129th | 7.4%86th |
| Explosive play rateTemple offense vs Charlotte defense | 7.2%84th | 7.7%42nd |
| Pass rateshare of plays that are passes or sacks | 57.4%15th-highest | 39.6%129th-highest |
On 3rd down Charlotte converts 20.0% (137th) against a Temple defense allowing 50.8% (129th).
On 3rd down Temple converts 46.3% (31st) against a Charlotte defense allowing 40.4% (72nd).
2026 regular season before kickoff, from play-by-play with garbage time removed; ranks among the 138 teams in the play-by-play data (defense: 1st = allows the least). Success = a play that gains expected points.
Coaching staff
| Staff | Charlotte | Temple |
|---|---|---|
| Head coach | Tim Albin | K. C. Keeler |
| Tenureat this school | 2nd season | 2nd season |
| Record at schoolthis season included, as of the date below | 1–17 | 7–11 |
| Career recordas an FBS head coach | 34–36 | 19–23 |
| Offensive coordinator | Todd Fitch | Tyler Walker |
| Defensive coordinator | Nate Faanes | Brian Smith |
Staff list as of October 13, 6:50 a.m. ET.
Head-to-head
The teams have met 1 time since 2021: Charlotte won 0 and Temple 1.
| Date | Score | Line | Total |
|---|---|---|---|
| Oct 18, 2025 | Temple 49, Charlotte 14 Temple won |
Meetings since 2021, most recent first. Line and total are the consensus closing numbers where line history is available.
Teams
Charlotte 49ers
- Charlotte 49ers team stats
- Tulane Green Wave at Charlotte 49ers (Oct 30)
- Charlotte 49ers 10, North Texas Mean Green 50 (Oct 10)
- Memphis Tigers 59, Charlotte 49ers 8 (Oct 3)
- Charlotte 49ers 9, Ole Miss Rebels 41 (Sep 12)
Temple Owls
- Temple Owls team stats
- Temple Owls at East Carolina Pirates (Oct 31)
- UConn Huskies 34, Temple Owls 20 (Oct 10)
- Temple Owls 17, South Florida Bulls 13 (Oct 3)
- Army Black Knights 21, Temple Owls 17 (Sep 25)
Gridiron & Wine graded a pick on this game: see the archived pick.
More NCAAF games on October 17, 2026
- Florida Atlantic Owls 24, Army Black Knights 56 (Oct 17)
- Pittsburgh Panthers 21, Boston College Eagles 27 (Oct 17)
- Ball State Cardinals 32, Bowling Green Falcons 31 (Oct 17)
- Charleston Southern Buccaneers 0, Clemson Tigers 37 (Oct 17)
- Ohio State Buckeyes 19, Indiana Hoosiers 15 (Oct 17)
- Georgia State Panthers 22, James Madison Dukes 49 (Oct 17)
- Kansas Jayhawks 24, Kansas State Wildcats 35 (Oct 17)
- Mississippi State Bulldogs 0, LSU Tigers 31 (Oct 17)
- Northwestern Wildcats 24, Michigan State Spartans 21 (Oct 17)
- Virginia Cavaliers 13, SMU Mustangs 23 (Oct 17)
- Florida Gators 27, Texas Longhorns 24 (Oct 17)
- Cincinnati Bearcats 42, West Virginia Mountaineers 45 (Oct 17)
- Rutgers Scarlet Knights 37, Maryland Terrapins 30 (Oct 17)
- UMass Minutemen 18, Buffalo Bulls 25 (Oct 17)
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