49ers vs Panthers Prediction: Week 5 Picks, Live Odds & Start Time – October 2022

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Sunday, October 9, 2022 will see the San Francisco 49ers (2-2) go on the road to match up against the Carolina Panthers (1-3) at Bank of America Stadium.

49ers vs. Panthers Odds

Point Spread

The spread for this matchup is set at 6.5 points, with bookmakers listing the 49ers as the favorites.


As for the moneyline, the 49ers have -260 odds to pick up the win, while the Panthers are listed at +220 to claim victory.


Finally, the total for the game is set at 39.5 points.

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Game Info

How to Watch 49ers vs. Panthers Live?

  • Game Day: Sunday, October 9, 2022
  • Game Time: 4:05 PM ET
  • TV Channel: CBS
  • Location: Charlotte, North Carolina
  • Stadium: Bank of America Stadium

Betting Preview


The 49ers rank 24th in total offense this year (324.5 yards per game), but they’ve been playing really well on the other side of the ball, ranking best in the NFL with 234.5 yards allowed per game. Defensively, the 49ers have been a top-five unit, ranking best by giving up only 11.5 points per game. They rank 27th on offense (17.8 points per game).

The 49ers rank 26th in passing yards this year (189.3 per game), but they’ve been playing really well on defense, ranking second-best in the NFL with 161.3 passing yards allowed per game. The 49ers sport the ninth-ranked offense this season in terms of rushing yards (135.3 per game), and they’ve been more effective defensively, ranking second-best with just 73.3 rushing yards allowed per game.

The 49ers rank 21st in third-down efficiency (37.0%) on offense and eighth in third-down conversion rate allowed (32.7%) on defense this year. The 49ers are accumulating 5.5 yards per play on offense (14th in the league), while featuring the best yards per play on defense in the NFL (3.8) this season. The 49ers have forced six total turnovers (12th in NFL) this season and have turned it over five times (ninth in NFL) for a turnover margin of +1, eighth-ranked in the NFL.


The Panthers rank worst in total yards per game (262.3), but they’ve been better defensively, ranking 18th in the NFL with 346.0 total yards surrendered per contest. With 19.5 points per game on offense, the Panthers rank 17th in the NFL. On defense, they rank 14th, giving up 21.3 points per contest.

The Panthers’ passing game has been struggling, ranking third-worst in the NFL with 166.0 passing yards per game. They have been better defensively, surrendering 212.0 passing yards per contest (11th-ranked). The Panthers are generating 96.3 rushing yards per contest on offense this season (24th-ranked). Meanwhile, they are allowing 134.0 rushing yards per contest (25th-ranked) on defense.

The Panthers’ offense has not been getting things done on third down, ranking worst in the NFL with a 25.5% third-down conversion rate. They have been more effective on defense, giving up a 39.1% third-down rate (17th-ranked). The Panthers rank 26th in the NFL with 4.9 yards per play on offense, and they rank eighth with 5.0 yards allowed per play on the defensive side of the ball. After forcing four turnovers (23rd in NFL) and turning the ball over six times (15th in NFL) this season, the Panthers have the 24th-ranked turnover margin of -2.

49ers vs. Panthers Injury Report


Player Pos. Injury Status
Tyrion Davis-Price RB Ankle Out
Javon Kinlaw DT Knee Out
Tyler Kroft TE Knee Out
Trent Williams OT Ankle Out
Tarvarius Moore DB Hamstring Out
Arik Armstead FB Ankle Out
Colton McKivitz FB Knee Out
Jason Verrett CB Acl Questionable


Player Pos. Injury Status
Stephen Sullivan TE Back Out
Laviska Shenault Jr. WR Hamstring Out
Stantley Thomas-Oliver III CB Achilles Out
Frankie Luvu LB Shoulder Questionable
Marquis Haynes DE Knee Questionable
Xavier Woods FB Hamstring Questionable
Jeremy Chinn FB Hamstring Out

49ers vs. Panthers Betting Analysis

49ers Betting Insights

The 49ers have covered the spread in a game two times this season (2-2-0). The 49ers are a perfect 1-0 ATS when playing as at least 6.5-point favorites.

This season, 49ers games have yet to hit the over once. The 49ers finished with an 8-6 record in games they were favored on the moneyline last season (winning 57.1% of those games).

The 49ers won all four games they played as a moneyline favorite with odds of -260 or shorter.

Panthers Betting Insights

The Panthers have put together a record of 1-3-0 against the spread this season.

Panthers games have gone over the total once this year. The Panthers won the only game they’ve played as the underdog this season.

The Panthers have not entered a game this season as a bigger underdog on the moneyline than the +220 odds on them winning this game.

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49ers vs. Panthers Against The Spread & Betting Records


Overall Home Away
Point Total AVG 41.3 40.8 41.8
Implied Total AVG 22.8 23.0 22.5
ATS Record 2-2-0 2-0-0 0-2-0
Over/Under Record 0-4-0 0-2-0 0-2-0
Moneyline Favorite Record 2-2 2-0 0-2
Moneyline Underdog Record 0-0 0-0 0-0


Overall Home Away
Point Total AVG 42.6 42.3 43.5
Implied Total AVG 22.0 21.7 23.0
ATS Record 1-3-0 1-2-0 0-1-0
Over/Under Record 1-3-0 1-2-0 0-1-0
Moneyline Favorite Record 0-3 0-2 0-1
Moneyline Underdog Record 1-0 1-0 0-0

Players to Watch


  • Deebo Samuel has brought in 18 passes on 29 targets for 246 total yards and one touchdown. He is averaging 4.5 catches and 61.5 yards per game in four games played.
  • Jimmy Garoppolo has passed for 604 yards, three touchdowns and one interception this year. He averages 201.3 yards per game and 7.8 per attempt, while completing 61.0%.
  • He has tacked on 8 rushing yards (2.7 per game) and one touchdown on the ground.
  • Jeff Wilson Jr.‘s output on the ground this season includes 255 yards and one TD. He is averaging 63.8 yards per game and 4.5 per attempt (22nd in the NFL).
  • Wilson has received seven targets in the passing game and has seven catches (1.8 per game) for 58 yards (14.5 per game) and zero TDs.
  • Brandon Aiyuk has racked up 179 receiving yards and one touchdown with 14 catches on 22 targets. He’s averaging 3.5 receptions and 44.8 yards per game.
  • On the defensive side, Nick Bosa has 6.0 sacks (first in the NFL) to go with 5.0 TFL and 14 tackles in 2022.
  • Talanoa Hufanga has intercepted two pases (fifth in the NFL) and added 25 tackles, 2.0 TFL, and four passes defended.
  • This season, Dre Greenlaw has put up 2.0 TFL and 37 tackles.
  • Charvarius Ward has one interception with 21 tackles, 1.0 TFL, and four passes defended.


  • This year in four games, Christian McCaffrey has churned out 270 rushing yards (leading the Panthers) and scored one rushing touchdown. He averages 67.5 yards per game and 4.7 per carry (19th in the NFL).
  • McCaffrey’s offensive contributions include 19 receptions (4.8 per game) on 22 targets for 138 yards (34.5 per game) and one receiving touchdown.
  • In four games, Baker Mayfield has 747 passing yards, with four touchdowns against three interceptions and completing 54.7% of his attempts.
  • He has added 40 rushing yards (second on the Panthers), while scoring one touchdown on the ground (averaging 10.0 yards per game and 2.9 per carry).
  • In four games played this season, D.J. Moore has 13 catches (3.3 receptions per game on 7.2 targets per game) for 138 yards and one receiving touchdown.
  • Robby Anderson has been targeted 22 times, resulting in 12 catches for 174 yards .
  • Frankie Luvu’s 2022 effort includes 32 tackles, 5.0 TFL, and one interception through four games. He leads the Panthers in tackles.
  • Brian Burns has 3.0 sacks (first on the Panthers) to go with 5.0 TFL and 19 tackles.
  • Xavier Woods has 30 tackles.
  • Shaq Thompson’s stat sheet includes 28 tackles and one pass defended in four games

49ers vs. Panthers Predictions and Pick

Our pick to win this game is the 49ers, and we expect that Panthers will cover the spread (49ers -6.5). Finally, we see the scoring in this one going under the posted total of 39.5 points.

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How to Bet on 49ers vs. Panthers

You can bet on 49ers vs. Panthers at every legal online sportsbook. For more NFL odds, including moneylines, spreads, over/under totals as well as NFL prop odds, check out the latest NFL lines as well as our guide to the best NFL betting sites.

And if you wanted to check out how much you could win on a $10 bet if you parlayed today’s 49ers vs. Panthers picks, don’t forget to check out our free parlay calculator.

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


Luis Escalante

Luis has been a regular contributor to 4for4 since 2014 and is currently the Director of Strategy at Betsperts Group. Luis comes from an analytics background, leveraging his data skills with multiple years of experience in NFL, fantasy football, daily fantasy sports, and betting.

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