Time: 7:00 PM ET
Venue: Raymond James Stadium, Tampa, Florida
Broadcast: ESPN2
Weather Forecast (Tampa, FL)
Conditions: Warm, partly cloudy
Temperature: ~82°F at kickoff, humid with real-feel near 85°F
Wind: 6–8 mph
Impact: Slight fatigue factor for Charlotte in humid Florida conditions
Injury Report
Charlotte:
QB Conner Harrell – Out (leg, season-ending)
RB Henry Rutledge – Out (lower body, season-ending)
OL depth thin after multiple minor injuries
South Florida:
WR Sean Atkins – Questionable (ankle)
LB Jhalyn Shuler – Probable (shoulder)
Key Player Matchups
Grayson Loftis (QB, Charlotte) vs. USF Secondary
Loftis, a Duke transfer, is a pocket passer replacing Harrell. He’ll lean on WRs E. Jai Mason and Javen Nicholas, who have combined for 578 yards.
Byrum Brown (QB, USF) vs. Charlotte Defense
Brown has 983 passing yards, 6 TD, 2 INT, plus 120 rushing yards and 2 rushing TDs. His dual-threat ability stresses Charlotte’s linebackers.
Mac Harris (LB, USF) vs. Charlotte Offensive Line
Harris leads USF with 4 sacks. Charlotte allowed 6 sacks last week vs. Rice, so protection is a major concern.
Recent Team Form
Charlotte (1-3, 0-1 AAC)
Only win: narrow victory over FCS opponent
Lost to Appalachian State, UNC, and Rice by double digits
Offense ranks 131st in rushing nationally
Turnover margin: -7 (2nd worst in FBS)
South Florida (3-1, 0-0 AAC)
Last game: 63-14 win over South Carolina State
Briefly ranked after non-conference wins
Offense: 31.8 PPG (74th nationally)
Defense: 21.5 PPG allowed (42nd nationally)
Series History
All-time series: South Florida leads 2–0
Last meeting: USF won 34-15 in 2024
Charlotte has been outscored by 69 points across two meetings
Betting Trends
Charlotte:
1-3 ATS in 2025
2-6 ATS in last 8 AAC games
4 of last 5 games have gone Under
South Florida:
3-1 ATS in 2025
5-1 ATS in last 6 home games
2-0 ATS vs. Charlotte historically
Historical Betting Results
Charlotte:
6-14 ATS in last 20 overall
1-7 ATS as a road underdog of 20+ points
South Florida:
12-6 ATS since 2023
7-2 ATS as a double-digit home favorite
Game Odds
Charlotte 49ers 54.5
South Florida Bulls – 27.5
Odds Courtesy of Sports Odd Direct as of Thursday, October 2, 2025
