Charlotte vs. Florida International Prediction: Picks & Start Time – October 2022

httpscdn.dataskrive.comapiassetSVeRNV7charlotte 49ers vs florida international panthers Betsperts Media & Technology

C-USA rivals will do battle when the Charlotte 49ers (1-6) battle the Florida International Panthers (2-4) at Jerry Richardson Stadium in Charlotte, North Carolina.

Charlotte vs. Florida International Odds

Point Spread

The spread for this matchup is set at 13.5 points, with bookmakers listing Charlotte as the favorites.


As for the moneyline, Charlotte has -524 odds to pick up the win, while Florida International is listed at +388 to claim victory.


Finally, the over/under for the game is set at 63.5 points.

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Game Info

How to Watch Charlotte vs. Florida International Live?

  • Game Day: Saturday, October 22, 2022
  • Game Time: 3:30 PM ET
  • TV Channel: ESPN3
  • Location: Charlotte, North Carolina
  • Stadium: Jerry Richardson Stadium

Betting Preview


Charlotte has the 85th-ranked offense this season (371.0 yards per game), and have been worse on the other side of the ball, ranking worst with 534.3 yards allowed per game. Despite having a bottom-25 scoring defense that ranks worst in the FBS (44.6 points allowed per game), Charlotte has put up better results on offense, ranking 96th in the FBS by totaling 25.0 points per game. With 277.3 passing yards allowed per game on defense, which ranks 17th-worst in the FBS, Charlotte has had to rely on their 37th-ranked passing offense (274.3 passing yards per contest) to keep them competitive. It’s been a difficult stretch for Charlotte in terms of running the ball, ranking 12th-worst in rushing offense (96.7 rushing yards per game) and second-worst in rushing defense (257.0 rushing yards per game allowed) in 2022. Charlotte sports the 80th-ranked third-down offense this season (38.2% third-down percentage), but has been worse on defense, ranking fifth-worst with a 49.4% third-down conversion rate allowed. Charlotte ranks 100th in college football with a -4 turnover margin after forcing 7 turnovers (98th in the FBS) and committing 11 (89th in the FBS).

Florida International

Florida International has lots of room to get better, as it ranks 16th-worst in total yards per game (322.7) and 18th-worst in total yards surrendered per game (444.3). Florida International has been outplayed on both sides of the ball this season, ranking seventh-worst in points (15.5 per game) and 10th-worst in points surrendered (36.8 per game). Florida International is generating 218.2 passing yards per game on offense this season (90th-ranked). Meanwhile, it is giving up 267.0 passing yards per contest (105th-ranked) on defense. Florida International’s rushing offense has been bottom-25 this season, putting up 104.5 rushing yards per game, which ranks 15th-worst in the FBS. On the defensive side of the ball, it ranks 104th with 177.3 rushing yards surrendered per contest. Florida International has struggled on both sides of the ball on third down this season, ranking fourth-worst in third-down conversion rate (24.4%) and 12th-worst in third-down percentage allowed (46.3%). With seven forced turnovers (98th in the FBS) and eight turnovers committed (40th in the FBS) this season, Florida International ranks 100th in the FBS with a turnover margin of -1.

Charlotte vs. Florida International Betting Analysis

Charlotte Betting Insights

Charlotte has covered the spread twice in seven games with a set spread. Charlotte games have finished with a final combined score above the over/under five times this season. The 49ers have been listed as the moneyline favorite just one other time so far this season, a game they lost. The 49ers have not yet played as a moneyline favorite of -524 or shorter.

Panthers Betting Insights

Florida International has covered the spread two times over six games with a set number. Florida International has a record of 2-2 ATS when playing as at least 13.5-point underdogs. Games involving Florida International have hit the over twice this season. The Panthers have been underdogs in five games this season and won one (20%) of those contests. The Panthers have a record of 0-2 when they’re set as an underdog of +388 or more by oddsmakers this season.

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Charlotte vs. Florida International Against The Spread & Betting Records


Overall Home Away
Point Total AVG 60.9 57.7 63.3
Implied Total AVG 38.6 35.3 41.0
ATS Record 2-5-0 0-3-0 2-2-0
Over/Under Record 5-2-0 3-0-0 2-2-0
Moneyline Favorite Record 0-1 0-1 0-0
Moneyline Underdog Record 1-5 0-2 1-3


Overall Home Away
Point Total AVG 58.3 56.0 60.7
Implied Total AVG 38.5 36.7 40.3
ATS Record 2-4-0 1-2-0 1-2-0
Over/Under Record 2-4-0 1-2-0 1-2-0
Moneyline Favorite Record 1-0 1-0 0-0
Moneyline Underdog Record 1-4 0-2 1-2

Players to Watch


  • Amir Siddiq has hit the gridiron for seven games, collecting 3.0 sacks to go with 4.0 TFL and 18 tackles for the 49ers.
  • The 49ers’ defense has been helped by Solomon Rogers, who has suited up for seven games and collected 3.0 TFL and 23 tackles.
  • As part of the 49ers’ defensive unit, Wayne Jones has delivered one interception to go along with 15 tackles, 2.0 TFL, and one pass defended in seven games.
  • Prince Bemah has been a significant part of the 49ers’ defense in 2022, with 19 tackles and one sack in seven games.


  • On defense, Demetrius Hill has helped lead the way with 28 tackles in six games.
  • Gaethan Bernadel has collected 24 tackles, 1.0 TFL, and 1.5 sacks in six games for the Panthers.
  • Donovan Manuel has 0.5 sacks to go with 1.0 TFL and 21 tackles in six games.
  • With four tackles, 1.0 TFL, and two sacks in six games, Shaun Peterson Jr. has been doing his part on defense for the Panthers.

Charlotte vs. Florida International Predictions and Pick

Charlotte vs. Florida International betting card

    Pick ATS:

    Panthers (+13.5)

    Pick OU:

    Under (63.5)

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How to Bet on Charlotte vs. Florida International

You can bet on Charlotte vs. Florida International at every legal online sportsbook. For more college football odds, including moneylines, spreads, over/under totals as well as college football prop odds, check out the latest college football lines as well as our guide to the best college football betting sites.

And if you wanted to check out how much you could win on a $10 bet if you parlayed today’s Charlotte vs. Florida International picks, don’t forget to check out our free parlay calculator.

Not sure what a parlay is? Or even how to bet on college football? Check out our complete guide to sports betting.

Our pick to win this game is Charlotte, and we project that Florida International will cover the spread (Charlotte -13.5). Finally, we see the scoring in this one going under the posted total of 63.5 points.


Matt Rooney

Matt comes from Chicago and has lived in the area his whole life. Graduated from and played football at Illinois Wesleyan University in Bloomington, IL while also serving as the director of student sports broadcasting. He writes for Betsperts as well as appears on several shows across the network.

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