UTSA vs Charlotte Prediction 11/15/25 College Football Picks Today

In this article, we will formulate a UTSA vs Charlotte Prediction for this College Football Week 12 game on Saturday, November 15^th. Let’s take a look at the prediction for this College Football matchup.

Charlotte 49ers Preview

Charlotte has a 1-8 record this season and is sitting 14th in the AAC. They are 3-6-0 ATS, 6-3-0 in Over/Under and have a 1-4 home record and a 0-3 away record. Charlotte is coming off a 22-48 road loss against East Carolina and will face Georgia and Tulane next.

Offensively, Charlotte averages 18.0 points per game, ranking 127th in the nation, while defensively, they allow 38.4 points per game, which is 134th. Charlotte averages 324.8 total yards per game (225.4 passing and 99.3 rushing), while allowing 470.0 total yards per game (205.0 rushing and 265.0 passing).

Grayson Loftis leads Charlotte with 1,045 passing yards with 53.2% completed passes and 8 touchdowns. Rod Gainey Jr. leads the team in rushing yards with 215, while Javen Nicholas has a team-high 44 receptions for 631 receiving yards. Defensively, Reid Williford has a team-high 55 total tackles (31 of them solo), while Reid Williford leads the team in sacks, with 4.

UTSA Roadrunners Preview

UTSA has a 4-5 record this season and is sitting 10th in the AAC. They are 4-5-0 ATS, 7-2-0 in Over/Under and have a 3-1 home record and a 1-4 away record. UTSA is coming off a 23-55 road loss against South Florida and will face East Carolina and Army next.

Offensively, UTSA averages 32.8 points per game, ranking 40th in the nation, while defensively, they allow 33.0 points per game, which is 124th. UTSA averages 399.8 total yards per game (233.3 passing and 166.4 rushing), while allowing 409.3 total yards per game (158.2 rushing and 251.1 passing).

Owen McCown leads UTSA with 1,880 passing yards with 67.6% completed passes and 18 touchdowns. Robert Henry leads the team in rushing yards with 827, while Devin McCuin has a team-high 45 receptions for 467 receiving yards. Defensively, Shadrach Banks has a team-high 84 total tackles (34 of them solo), while Nnanna Anyanwu leads the team in sacks, with 5.

UTSA Roadrunners @ Charlotte 49ers Betting Trends: Week 12

Why the Charlotte 49ers will win

• UTSA has lost each of its last eight road games against conference opponents.
• The home team has won each of UTSA’s last five games.
• UTSA has failed to cover the spread in each of its last eight road games against non-AP-ranked teams.
• The home team has covered the spread in each of UTSA’s last seven games.
• UTSA has lost the first half in three of its last four road games against conference opponents.

Why the UTSA Roadrunners will win

• The favorite has won each of Charlotte’s last nine games.
• Charlotte has lost each of its last six games.
• The favorite has covered the spread in each of Charlotte’s last five games at Jerry Richardson Stadium.
• Charlotte has failed to cover the spread in each of its last four home games against teams from Texas.
• Charlotte has lost the first half in six of its last seven games against conference opponents.

Total Points Facts

• Each of Charlotte’s last five games in North Carolina have gone OVER the total points line.
• Each of UTSA’s last five November games against non-AP-ranked teams have gone OVER the total points line.

Charlotte 49ers Player Prop Facts

• Heading into Week 12, Derrick Eley ranks 10th amongst FBS players for kick return yards (413) this season.

UTSA Roadrunners Player Prop Facts

• Heading into Week 12, Robert Henry ranks 6th amongst FBS players for rushing yards (982) this season.

Matchup/League Facts

• Charlotte ranks 136th among FBS teams for average point differential in first quarters this season (-7.3).
• Charlotte ranks 135th among FBS teams for yards allowed per game this season (470.0).
• UTSA ranks 135th among FBS teams for Q3 opponent points per game this season (10.8).
• UTSA ranks 132nd among FBS teams for H2 opponent points per game this season (17.8).

UTSA vs Charlotte Prediction

In this UTSA vs Charlotte Prediction, UTSA is coming as -18.5-point road favorites, with the total set at 59.5 points. Charlotte has been terrible this season with just one win in nine games played, and are 1-4 at home and 3-6 against the spread. UTSA is just 1-4 on the road and have been up and down in form lately, so I see no value on either side. Both teams have been playing some very high-scoring games lately, going for 10-1 to the over in their last 11 games combined. Both defenses have been struggling mightily, allowing 71.4 points per game combined, so I like the over 59.5 points in this one.