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The Temple Owls take on the Navy Midshipmen in Annapolis, Md. Kickoff is set for 3:30 p.m. EST on CBS Sports Network.
Navy is favored by -7.5 points on the spread with a moneyline of -280. The total is set at 54.5 points.
Here’s my Temple vs. Navy prediction and college football pick for Saturday, November 7, 2026.
Temple vs Navy Prediction
- Temple vs. Navy Pick: Temple +7.5 (Play to +7)
My Navy vs. Temple best bet is on Temple to cover the spread. Find the best line available on our live NCAAF odds page and download the Action Network app for the latest picks and analysis.
Temple vs Navy Odds
| Temple Odds | ||
|---|---|---|
| Spread | Total | Moneyline |
+7.5 -122 | 54.5 -110o / -110u | +230 |
| Navy Odds | ||
|---|---|---|
| Spread | Total | Moneyline |
-7.5 +100 | 54.5 -110o / -110u | -285 |
- Temple vs Navy point spread: Navy -7.5 (-102 ), Temple +7.5 (-118)
- Temple vs Navy over/under: 54.5 (-110o / -110u)
- Temple vs Navy moneyline: Temple +225, Navy -280
Temple vs Navy College Football Preview
Navy is pretty immune to falling prey to situational spots, but the Mids find themselves in a fairly tricky spot on Saturday in Navy-Marine Corps Memorial Stadium.
This will mark their seventh straight game without a bye, with the previous three coming against UTSA, North Texas and Notre Dame. That's an exhausting stretch.
On the other side, Temple had its bye two weeks ago and continues to get healthier — although losing stud tight end Peter Clarke to injury last week could hurt moving forward.
Despite that loss, the Temple offense, which has been excellent on the ground (top-15 EPA), should find plenty of explosives through the air (where it ranks top-30 nationally) against a Navy defense that ranks 136th nationally in that department.
While Temple's defense has a plethora of issues, the Owls did look more connected on the back end last week following widespread staff changes during the bye week.
The Owls struggle to defend both the run and pass but have been a bit better overall against the run, which is obviously most important against Navy's offense.
I'm not counting on Temple shutting down quarterback Jackson Gutierrez and the Navy offense, but it doesn't hurt that it already faced Army earlier this season in a game it dominated statistically.
Even if they can't generate many stops, the Owls have enough favorable matchups when on offense to match Navy score-for-score in a game that might not have many possessions in a battle of two slow-paced squads.
Temple burned me last week in a close loss but was done in by a couple of tough-luck turnovers, including one interception where the ball was tipped into a defender's hands and another when the officials picked up a clear pass interference flag for some reason.
That performance didn't scare me off going back to the well with head coach K.C. Keeler, who has historically fared very well in the underdog role.
Pick: Temple +7.5 (Play to +7)
