Memphis vs Charlotte Prediction 10/3/2026 Today’s College Football Picks
Chris Ruffolo
Sep 5, 2026; Memphis, Tennessee, USA; Memphis Tigers quarterback Marcus Stokes (2) throws the ball against Arkansas State during the first half at Simmons Bank Liberty Stadium. Mandatory Credit: Wesley Hale-Imagn Images
MATCHUP
Memphis Tigers
Charlotte 49ers
Team Records
3-1
0-4
Spread
-20.5 -110
+20.5 -110
Moneyline
-1450
+850
Total
Over 52.5 (-108)
Under 52.5 (-112)
Where
Jerry Richardson Stadium, Charlotte, NC
When
Saturday, October 3, 2026
Time
11:00 AM EDT
TV
ESPN+
The Memphis Tigers and the Charlotte 49ers meet in week 5 college football action from Jerry Richardson Stadium on Saturday. We will look at this from a betting perspective and determine the best bets for this game. Here’s a Memphis Tigers vs. Charlotte 49ers Prediction.
Memphis Tigers Recap
The Memphis Tigers come into this game looking to add on to their 45-21 win over UT-Martin last time out to sit at 3-1 this season. After this game, Memphis will head home for a game against UAB.
Tigers Bounce Back From Road Loss
Marcus Stokes has thrown for 1,053 yards, 9 touchdowns and 3 interceptions on 71.4% passing while Jaylin Carter leads Memphis in rushing with 437 yards and 6 touchdowns so far this season. Manny Covey sits behind Carter on the ground with 187 yards and 0 TDs. Hunter Tipton leads the Tigers in receiving with 307 yards and 16 catches along with 3 TDs, while Tychaun Chapman trails with 152 yards and 10 catches. On defense, Zach Ruffin and Mike Montgomery are tied with a team-high 25 tackles while Memphis’s defense as a whole has combined for 10 sacks and 4 interceptions so far this season.
Charlotte 49ers Recap
The Charlotte 49ers will be out to rebound from a 34-7 loss at the hands of the Louisiana Ragin Cajuns to sit at 0-4 on the year. After this game, Charlotte will head on the road for a game against North Texas.
49ers Still Searching For First W
Cole Gonzales has thrown for 729 yards, 3 touchdowns and 6 interceptions on 64.6% passing while Khamani Alexander leads Charlotte in rushing with 176 yards and 3 touchdowns so far this season. Chance Williams sits behind Alexander on the ground with 116 yards and 0 TDs. Jaden Barnes leads the 49ers in receiving with 239 yards and 25 catches along with 0 TDs, while Jaylen Hampton trails with 224 yards and 20 catches. On defense, Gavin Willis has a team-high 29 tackles while Charlotte’s defense as a whole has combined for 6 sacks and 2 interceptions so far this season.
Memphis Tigers @ Charlotte 49ers Betting Trends: Week 5
Why the Charlotte 49ers will win
The home team has won each of Memphis’ last three games.
Memphis has lost each of its last three games against conference opponents.
Charlotte has covered the spread in seven of its last eight games against teams from Tennessee.
Memphis has failed to cover the spread in each of its last four games against teams from North Carolina.
The home team has won the first half in five of Charlotte’s last six games.
Why the Memphis Tigers will win
Charlotte has lost each of its last 13 games.
Memphis has won seven of its last eight October games against non-AP-ranked teams.
The road team has covered the spread in each of Charlotte’s last 11 games.
Charlotte has failed to cover the spread in each of its last six home games.
The favorite has won the first quarter in seven of Charlotte’s last eight games.
The favorite has won the first half in each of Charlotte’s last eight games.
Total Points Facts
Each of Charlotte’s last six games as an underdog have gone UNDER the total points line.
Each of Memphis’ last four games in North Carolina have gone OVER the total points line.
Charlotte 49ers Player Prop Facts
Heading into Week 5, Jaden Barnes has the most targets without a receiving touchdown this season (36).
Memphis Tigers Player Prop Facts
Heading into Week 5, Jaylin Carter ranks T5th amongst FBS players for rushing touchdowns (6) this season.
Matchup/League Facts
Charlotte ranks T133rd among FBS teams for Q4 opponent points per game this season (11.3).
Charlotte ranks 133rd among FBS teams for H1 points per game this season (7.0).
Memphis ranks T131st among FBS teams for Q2 opponent points per game this season (12.3).
Memphis ranks 130th among FBS teams for time of possession per game this season (26:24).
Memphis Tigers vs. Charlotte 49ers Prediction
I’m on the Tigers in this one. Memphis has a long road ahead to make a case for the college football playoff, but they can ill afford to not have dominant showings when they face the dregs of the AAC like Charlotte if Memphis is going to beef up their resume. This is going to be an interesting matchup without question, but I think the Tigers take care of business in this one.
