Penn State vs Temple Prediction, Picks & Odds | 12 Sep 2026

College Football Betting Preview: Penn State vs Temple

Penn State go up against Temple at Lincoln Financial Field, with kickoff scheduled for 12:00 on Saturday, September 12.

Temple have been given a big number on the spread. We recommend taking the -102 that the underdogs cover the +23.5 against Penn State.

Penn State Nittany Lions won their previous game which was at home. It was a 45-0 triumph at Beaver Stadium against Marshall Thundering Herd.

Temple Owls were winners last time out. It was a 38-14 home victory against Rhode Island Rams at Lincoln Financial Field.

Penn State vs Temple Prediction & Picks

Step into Penn State vs Temple with confidence, armed with our expert match prediction, likely scoreline and a custom-built bet builder for maximum value.

Game Prediction

Our pick is that Temple might not be beaten heavily in this college football matchup. They have been afforded a generous +23.5 and we recommend backing the underdogs at -102.

Our CFB handicappers start by reviewing the latest team news for each team, followed by a close look at recent form. That information is then applied to the most relevant stats to reach a well-informed verdict.

Key Penn State vs Temple stats:

• The +23.5 line has been covered by Temple in 7 of their last 10 games.
• The +23.5 line has been covered by Temple in 14 of their last 20 games.
• The -23.5 line hasn’t been covered by Penn State in 9 consecutive games on the road.
• The -23.5 line hasn’t been covered by Penn State in 15 of their last 20 games on the road.

Temple +23.5 Probability

According to the latest betting odds, our pick has a 50.5% chance of winning. Taking all factors into consideration, our cappers think there’s a stronger chance of success and estimate the probability to be closer to 60%. It’s the reason why we are recommending this college bet.

If you’re searching for bigger odds and feel confident that your selection will perform well, then moving the line can secure an increased potential payout.

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Our Game Prediction

Temple +23.5 @ -102 Bet Now

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Correct Score Prediction

Penn State 38 - 20 Temple

Should you want to go for a selection at massive odds, head to the correct score lines where the Lions can be backed speculatively to achieve a 38-20 victory.

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Penn State vs Temple Odds

The odds and lines below are updated regularly and may differ from the prices shown in our picks, which are captured at the time of publication.

The sportsbooks are taking no chances with their Moneyline odds of -5000 about Penn State which reflects they have a 98% chance of winning this college game. Temple are the underdogs at +1400 and they’re regarded as least likely to win.

The spread is calculated to be 23.5, while total points comes in at 49.5. A wager on the Totals allows football bettors to use the latest data to good effect. Those expecting a low total can back Under 49.5 at -110.

The best betting apps provide tons of game lines and team props for nearly every college football matchup. Take a few moments to browse all the markets so you can place a bet that matches your insight.

Moneyline

Penn State

-5000

Temple

+1400

Point Spread

Penn State -23.5

-120

Temple +23.5

-102

Total Points

Under 49.5

-110

Over 49.5

-110

As an alternative to the game lines, check out the player prop bets that are available. It’s especially great if you have a view when it comes to First, Last or Anytime Touchdown Scorer, while there are lots of other player and quarterback options.

Instead of focusing on the overall outcome, some bettors prefer to look at the college football micro betting lines. As the name suggests, it means placing short-term in-game wagers and this might include the Next Play or Next Drive Result.

Temple Have Picked Up Five Wins in Past Ten at Home

Temple are 5-5 in their last 10 home games, posting 23.60 points per contest while yielding 24.70.

Penn State have stacked up three straight wins away from home. They have six wins and four losses in the last 10 games on the road, averaging 30.80 points scored and 25.50 points allowed.

Last 10 Games		W-L	P	PF	PA	O49.5	U49.5
Temple Home Stats		5-5	48.30	23.60	24.70	5	5
Penn State Away Stats		6-4	56.30	30.80	25.50	6	4

• W-L = Wins-Losses
• P = Avg. Points
• PF = Avg. Points For
• PA = Avg. Points Against
• O49.5 = Games Over 49.5 Points
• U49.5 = Games Under 49.5 Points

Latest regular season and playoff games stats.

Penn State Nittany Lions Stats

Temple Owls Stats

Moneyline

• 5 wins and 5 defeats in the last 10 games
• 6 wins and 4 defeats in the last 10 games on the road

Moneyline

• 4 wins and 6 defeats in the last 10 games
• 5 wins and 5 defeats in the last 10 home games

Point Spread

• -23.5 Betting Line: Have covered the spread in 2 of the last 10 games
• -23.5 Betting Line on the Road: Have covered the spread in 1 of the last 10 games on the road

Point Spread

• +23.5 Betting Line: Have covered the spread in 7 of the last 10 games
• +23.5 Betting Line at Home: Have covered the spread in 7 of the last 10 home games

Total Points

• Game Totals: An average of 51.20 pts in the previous 10 games
• Game Totals on the Road: An average of 56.30 pts in the previous 10 games on the road
• Over 49.5: Covered in 4 of the previous 10 games
• Over 49.5 on the Road: Covered in 6 of the previous 10 games on the road
• Team Totals: Have scored an average of 29.20 pts and allowed 22.00 pts in the last 10 games
• Team Totals on the Road: Have scored an average of 30.80 pts and allowed 25.50 pts in the last 10 games on the road

Total Points

• Game Totals: An average of 58.30 pts in the previous 10 games
• Game Totals at Home: An average of 48.30 pts in the previous 10 home games
• Over 49.5: Covered in 8 of the previous 10 games
• Over 49.5 at Home: Covered in 5 of the previous 10 home games
• Team Totals: Have scored an average of 27.20 pts and allowed 31.10 pts in the last 10 games
• Team Totals at Home: Have scored an average of 23.60 pts and allowed 24.70 pts in the last 10 home games

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