Penn State
Nittany Lions
Spread
-23.5
NCAAF Predictions
Penn State Nittany Lions vs Temple Owls Predictions
Saturday, September 12, 2026 at 12:00pm EST at Lincoln Financial Field, Philadelphia, PA
@
Temple
Owls
Spread
+23.5
50%
50%
Spread
Penn State Nittany Lions -23.5
Temple Owls +23.5
Moneyline
Penn State Nittany Lions -3200
Temple Owls +1400
Total
Over 49.5 (-112)
Under 49.5 (-108)
Professional Picks
2 listed
Professional Picks On This Game
Franny DiStefano
Spread pick
Jason Manning
Total pick
Penn State vs. Temple Prediction: A Shutout Doesn't Settle the 23.5-Point Spread
Analysis updated September 12, 2026 at 5:05 AM CDT
Penn State is the likely winner, but its opening shutout alone doesn't justify backing a four-score margin at Temple.
Betting outlook
Penn State opened with a shutout win, according to local radio outlet WILK News / Audacy. That's an encouraging defensive result, but SPF's -23.5 spread requires a win by at least 24 points to cash. One result doesn't establish that margin against Temple.
SPF prices Penn State at -3200 on the moneyline, which requires a win probability above roughly 97% to break even. The Nittany Lions are the likely winner, but without confirmed starters or a clearer picture of Temple's form, that probability isn't supportable.
The same gaps prevent a case for Temple +23.5 or the 49.5 total. Penn State's shutout alone can't establish how much these teams will score. The betting call is Pass.
WILK News / Audacy reports that kickoff is scheduled for noon ET on September 12 at Lincoln Financial Field in Philadelphia, with ESPN2 carrying the game.
Pick
Penn State Nittany Lions
Confidence
low
Betting lean
Pass