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The Citadel vs Charlotte Prediction 9/5/2026 Today’s College Football Picks

Aug 29, 2025; Charlotte, North Carolina, USA;  Charlotte 49ers wide receiver Javen Nicholas (5) runs for yards after catch defended by Appalachian State Mountaineers defensive back Zyeir Gamble (5) during the second half at Bank of America Stadium. Mandatory Credit: Jim Dedmon-Imagn Images

Aug 29, 2025; Charlotte, North Carolina, USA; Charlotte 49ers wide receiver Javen Nicholas (5) runs for yards after catch defended by Appalachian State Mountaineers defensive back Zyeir Gamble (5) during the second half at Bank of America Stadium. Mandatory Credit: Jim Dedmon-Imagn Images

MATCHUP The Citadel Bulldogs Charlotte 49ers
Team Records 0-1 0-0
Spread +20.5 -112 -20.5 -108
Moneyline +950 -1650
Total Over 46.5 (-108) Under 46.5 (-112)
Where Jerry Richardson Stadium, Charlotte, NC
When Saturday, September 5, 2026
Time 03:30 PM EDT
TV ESPN+
In this article we will formulate a The Citadel vs Charlotte prediction for this College Football game on Saturday, September 5th at Jerry Richardson Stadium in Charlotte, North Carolina. Let’s take a look at the prediction for this Week 1 matchup. 

The Citadel Bulldogs Betting Preview

The Citadel Bulldogs are 0-1 this season after they lost to Wofford by a score of 42-14 last week. The Citadel trailed 21-0 at halftime, but did score a touchdown in the third and fourth quarter in the loss. The Bulldogs out gained Wofford by a total of 351-341, went 5-12 on third downs, and lost the turnover battle by a total of 3-2 in the game. Quentin Hayes threw for 88 yards and one interception, while Damir Abdullah caught three passes for 32 yards. Hayes also rushed 18 times for 91 yards in the loss. 

Last season, The Citadel went 4-8 (3-5) and they finished seventh in the Southern Conference. The Citadel started the season with a 38-0 loss to North Dakota State, but they bounced back with a 40-13 win over Samford. The Bulldogs lost seven of their last ten games, but did pickup wins against Chattanooga, Valdosta State, and VMI. The Citadel scored 24 points or fewer in three of their last five games, but their defense was actually not too bad in the 2025 season. 

Charlotte 49ers Betting Preview

The Charlotte 49ers went 1-11 (0-8) last year and they finished last in the American Conference standings. Charlotte started the season with a 34-11 loss to App State, which was followed up by a 20-3 loss to UNC. The 49ers did defeat Monmouth by a score of 42-35 in week three, but they lost each of the last nine games. Charlotte really struggled offensively, as they scored 20 points or fewer in six of their last seven games, while they allowed 27+ points in 10 of their last 12 games. The 49ers scored 14.3 points per game in 2025, while they allowed 36.3 points against per game on defense. 

This year, Charlotte has a quarterback battle between three solid options, so whoever wins the jobs should be decent. The receivers are projected to be solid, but the ground game and offensive line is a question mark. On defense, the 49ers will look to improve after a horrible 2025 season. There are a few returning starters, but we will see plenty of new faces, which actually might be a good thing after how they looked last season. 

Why the Charlotte 49ers will win

Why the The Citadel Bulldogs will win

Total Points Facts

Charlotte 49ers Player Prop Facts

The Citadel Bulldogs Player Prop Facts

Matchup/League Facts

The Citadel vs Charlotte Prediction 

Charlotte comes into this season looking to start on a positive note after a disastrous 2025 season and they are decently sized favorites here. The Citadel struggled in the FCS last year, but they did play in week zero, so they have a slight advantage. Charlotte should win this game just based on competition level, but I have to see some improvement from that defense before I will lay this number. Take The Citadel and the points on the road in this one.

David Racey's Pick: The Citadel +20.5

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