Army vs. Temple Prediction, Spread, NCAAF Picks – Friday September 25

The Army Black Knights vs. Temple Owls game is set to kick off at 4 p.m. ET on ESPN on Friday, September 25 at Lincoln Financial Field in Philadelphia. The Black Knights enter as 3.5-point road favorites, via PrizePicks.

Both of these American Conference squads blew late leads in their last game. Army (1-1) squandered a 24-14 advantage with 3:13 remaining in a 28-24 home setback to USF before their bye last week.

Temple (1-2) took it a step further by giving away a 42-28 edge with a shade over a minute left in regulation in a 49-48 overtime defeat at Toledo. The Rockets scored a pair of TDs in an 11-second span to force overtime before eventually holding off the Owls on the go-ahead 2-point conversion.

Below, we'll break down our Army vs. Temple prediction and picks for Friday's college football game, including the winner, over/under, and key player picks for PrizePicks.

Make your Army vs. Temple picks on PrizePicks now.

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Army vs. Temple Prediction, Spread, Over/Under – Friday, September 25

The Black Knights were on their way to a win in their conference opener against USF after routing Bryant in Week 1.

However, Army couldn’t close out USF, allowing the go-ahead TD with 19 seconds left in a stunning 4-point defeat. The Black Knights were poised to cover as 3.5-point favorites but fell to 0-5 against the spread (ATS) since last season at home in league play.

Temple’s only win came against an FCS school in Rhode Island (38-14). The Owls hung around in the first half against Penn State, trailing 10-3 before getting blown out 27-9.

Last Saturday, Temple’s 14-point lead in the final 75 seconds evaporated in the snap of a finger. Following a short TD pass from Toledo, the Rockets recovered an onside kick and scored two plays later to tie the game.

Toledo took a 7-point lead in OT before Temple reached the end zone, but tried the aforementioned 2-point conversion and failed to fall to 1-2.

The only piece of good news for Temple is it has covered the spread in all three games. The Owls will start Ajani Sheppard at QB in place of the injured Jaxon Smolik. Sheppard, who transferred from Rutgers, threw 3 TD passes and rushed for a 22-yard score in OT in the loss to Toledo.

Both these defenses have been horrible so far, according to Game on Paper. Army ranks 126th in EPA per pass and 127th in EPA/rush defensively, while Temple is 130th in EPA/pass. The Black Knights somehow are sixth in EPA/pass, but Army has attempted 24 passes in the first two games.

Army vs. Temple Spread, Over/Under – Friday, September 25

The Black Knights enter Friday’s game as 3.5-point favorites against the Owls. Temple returns a 2.22x payout if they win outright, via PrizePicks Team Picks.

Here are the full payouts for the Army vs. Temple game on PrizePicks.

Play the Army vs. Temple winner or over/under on PrizePicks Team Picks.

Team Picks data is live at the time of writing and is subject to change.

Army vs. Temple Prediction on Spread – 9/25/26

Here are the key game stats and trends behind our Army vs. Temple prediction on the spread for Friday, September 25.

Lock in your Army vs. Temple prediction on PrizePicks.

• Army has won each of the two matchups against Temple since entering the American Conference in 2024.
• Last season, the Black Knights held off the Owls 14-13 but Temple covered as 6.5-point underdogs. The teams posted scoreless first and fourth quarters.
• In that 1-point win, Army ran 18 more plays from scrimmage and posted a total EPA of 12.2 compared to Temple’s 6.4.
• Army ranks fifth nationally in rushing yards per game (254.9), while Temple sits 125th in rushing yards allowed per contest (197.3).
• Temple compiled a total EPA of 27.2 against Toledo, but the Rockets put up an EPA of 24.1.
• Sheppard bumped up from a 0.77 total EPA against Penn State to an impressive 16.48 mark in the loss at Toledo.
• The Owls are 1-4 ATS in their last five games against American Conference opponents.

Army vs. Temple Picks, Player Stats for PrizePicks: 9/25/26

Here are top Army vs. Temple picks to target on Friday, September 25. Today’s college football picks for PrizePicks include QB Cale Hellums and WR JoJo Bermudez.

Army QB Cale Hellums vs. Temple: 94.5 Rush Yards

• Hellums rushed for at least 100 yards in five games last season but has yet to reach 90 yards in 2026.
• After posting 87 yards on the ground against Bryant, Hellums only produced 55 yards on 18 carries in the USF loss.
• The Owls couldn't slow down Hellums last season, as he rushed for 118 yards. However, his 3.3 yards per carry was his second-lowest figure in his five 100-yard performances.
• The last three QBs to rush for 100 yards against Temple since 2024 came from service academies (Army and Navy). 

Add Cale Hellums + Army to win to your PrizePicks lineup now.

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Temple WR JoJo Bermudez vs. Army: 25.5 Rec Yards

• Bermudez racked up 500 receiving yards in his first season at Temple in 2025.
• Through three games, the senior has broken through 26 receiving yards twice, coming against Rhode Island (40) and Toledo (28).
• Army allowed four different USF WRs to pick up at least 30 receiving yards two weeks ago. 
• In last season’s matchup, Bermudez compiled 39 yards on 2 receptions against the Black Knights, including a 21-yard grab.
• Army’s defensive pass success rate ranks 128th in the nation at 56.7%. Last week, Temple faced a Toledo defense that sits 118th nationally in this category.

Add JoJo Bermudez + Temple to cover the spread to your PrizePicks lineup now.

Make Army vs. Temple Picks on PrizePicks

Army looks to avoid an 0-2 start in conference play for this Friday matinee at Temple. The Owls have struggled against the Black Knights the last few years, but can they break through in this American Conference matchup?

Don’t wait until lock — make your Army vs. Temple picks on PrizePicks now and earn real money if you’re right.

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