// CFB · September 5, 2026

The Citadel vs Charlotte prediction & odds

9/5 - 3:30 PM EDT · Jerry Richardson Stadium · CIT 0-1 — CLT 0-0 · lines via DraftKings

The prices

MarketCITCLT
Moneyline+950-1650
Run line+20.5
Total 46.5Over -108Under -112

The Citadel vs Charlotte prediction

Market-implied pickWin chanceProjected score
Charlotte91% Charlotte 34, The Citadel 13

Strip the book's cut out and the market calls this a clear Charlotte favorite. The question is not who wins but whether -1650 is worth paying for it — see the break-even row below. On the total, the over is the cheaper side of 46.5 at the posted prices. The projected score is the posted total split by the spread — the market's own expected margin, not a model of ours. Our own side on this game, if we take one, goes out in the newsletter before kickoff.

What the market really thinks

CITCLT
Win chance (no-vig)9.2%90.8%
Break-even at the price9.5%94.3%

Both posted prices together imply more than 100% — that surplus (3.8% here) is what the book keeps. Strip it out and the market makes this CIT 9.2%, CLT 90.8%. The break-even row is the win rate you'd need at the posted price just to tread water — the gap between the two rows is the cost of the bet.

Every pick, in your inbox

We take a side on three or four games a day and send every one to subscribers with the reasoning, before anything starts. One is free on the homepage. The rest only go out by email. No card, no spam.

Get every pick free →

Prices move all day. The live version of this game — score, line movement and the rest of the board — is on today's board.

Inside the Number · every game priced at what the market really thinks · insidethenumber.com · @thenumberdesk · 21+ only. If gambling stops being fun, call 1-800-GAMBLER.