Charlotte 49ers vs. South Florida Bulls Picks and Prediction for Friday, October 3, 2025
Use Code SSWC The Charlotte 49ers (1-3, 0-1 American) are looking to bounce back after a 28-17 home loss on Sept. 18 against the Rice Owls. Backup quarterback Grayson Loftis is expected to be the starter after Conner Harrell’s season-ending injury. He was able to complete 8-of-13 passes for 73 yards, as well as running three times for 22 yards (7.3 yards per carry)
The South Florida Bulls (3-1, 0-0) are looking to build upon their Sept. 20, 63-14 home win over FCS South Carolina State Bulldogs. Senior quarterback Byrum Brown had a great showing as he completed 14-of-20 passes for 236 yards with four passing touchdowns to one interception while also running three times for nine yards (3.0 yards per rush).
Your Saturday scout: NCAAF predictions for Charlotte 49ers vs. South Florida Bulls you can trust.
49ers Coming Off Extended Rest
The Charlotte 49ers have not played since Sept. 18 in a home loss against the Rice Owls, 28-17. Charlotte struggled a bit on the offensive side of things as they recorded 17 points on 334 total yards of offense (259 passing, 75 rushing). The team was unable to get much going on the ground with 2.3 yards per attempt over 32 rushes and committed the game’s only turnover with a lost fumble. Not only did the 49ers lose Harrell, but backup RB Henry Rutledge is out for the season. This will be a big challenge for Loftis, who began his career at Duke. He threw for 1,006 yards with eight TDs and four INTs as a freshman, completing 55.8% of his passes.
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The defense struggled a bit to get off the field and get stops as the 49ers allowed the Eagles to score 28 points on 353 total yards (98 passing, 255 rushing). Charlotte was just completely unable to slow down Rice’s running game as they allowed 46 carries for 255 yards (5.5 yards per attempt) and three rushing touchdowns. This allowed the passing game to be hard-sparing and be effective as a result.
Charlotte’s offense has been struggling to score much as they are tied for 121st in the NCAA with 18.3 points per game heading into this game. The defense has also been terrible as their 29.3 points per game ranks them 110th in the country.
Injury Report for Charlotte
- Cornerback Collin Gill: Undisclosed (Questionable)
- Tight end Grant Laskey: Undisclosed (Questionable)
- Offensive guard Isaiah Bullerdick: Undisclosed (Questionable)
- Offensive guard Umar Rockhead: Undisclosed (Questionable)
- Wide receiver Justin Olson: Undisclosed (Questionable)
- Offensive guard Andrew Adair: Undisclosed (Questionable)
- Offensive guard Jonny King: Undisclosed (Questionable)
- Defensive lineman Ayo Tifase: Undisclosed (Questionable)
- Defensive lineman Darius Wallace: Undisclosed (Questionable)
- Offensive guard Omarion Davis: Undisclosed (Questionable)
- Running back Henry Rutledge: Undisclosed (OUT)
- Quarterback Conner Harrell: Knee (OUT)
- Wide receiver Jayden McGowan: Lower Body (OUT)
- Defensive lineman DJ Burgess: Upper Body (OUT)
Bulls on Parade
The South Florida Bulls are looking to build off Sept. 20th's 63-14 home win over the FCS’s SC State Bulldogs. The offense was able to completely dominate as they were able to record 63 points on 504 total yards of offense (252 passing, 252 rushing). The Bulls were able to dominate in terms of moving the football in chunk plays as they averaged 9.7 yards per pass attempt while running the ball 9.0 yards per carry. South Florida also looked a bit undisciplined as they committed eight penalties for 80 yards.
The defense looked well against an inferior opponent as they allowed SC State to record 14 points on 305 total yards (235 passing, 70 rushing) throughout the game. South Florida was able to force an interception in their only takeaway. They were also able to apply a lot of pressure as the defense recorded five sacks and had 10 tackles for loss.
The South Florida Bulls have been able to score at a strong level as they are tied for 55th in the NCAA with 31.8 points per game. Their defense is also ranked tied for 55th in all of football, with 21.5 opposing points per game up to this point.
Injury Report for South Florida
- Defensive lineman Dre Butler: Undisclosed (Questionable)
Charlotte 49ers vs. South Florida Bulls Pick
Spread Pick for Charlotte vs. South Florida
- Charlotte 49ers +27.5 (4 units)
The Charlotte 49ers have not played since Sept. 18 so they were able to completely focus on game planning for this matchup. The 49ers have been able to convert on third downs to begin the season, as they have gone 27-of-60 (45.00%) in those chances this season. This number means a few scoring possessions for them or a few punts for South Florida or a few scoring drives for Charlotte to make this number hit. The offensive line injuries for the 49ers feel like some will play and the number will tighten by a few points, so take advantage of the line. Go with the Charlotte 49ers getting a lot of points to cover the spread in this game.
Over/Under Pick for Charlotte vs. South Florida
- UNDER 55.5 (5 units)
Both teams were able to get extended rest heading into this game so they can come out a bit flat on the offensive side of things. South Florida has shown the ability to run the football at an amazing level, averaging 4.8 yards per carry, which means they can win in the trenches and keep the clock ticking as a result. The 49ers are able to move the chains, but the inability to score too well will play a major factor here. All in all, go with UNDER 55.5 POINTS in this game as the better bet.
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