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NCAAF · Sat, Sep 26 · 6:00 PM

Incarnate Word Cardinals at Texas State Bobcats

O/U 65.5 · SPREAD Texas State Bobcats -30.5

GARY'S PICK
Incarnate Word +30.5
NCAAF@ Texas State· -115

Incarnate Word
+30.5

-115 · LOST · UIW 10 · TXST 63

Texas State

The pick & result

Published pick
Incarnate Word Cardinals +30.5 -115
Published odds
-115
Result
Lost
Final score
10-63

Odds are the American price printed with this pick, not a current offer. Wins, losses and pushes remain on the public record; a missing grade is not a win.

The line

DRAFTKINGS · 13 moves
MarketOpened
Sep 23 11:04 AM
Close
Sep 26 4:40 PM
Move
SPREADTexas State Bobcats -29.5 (-110)Texas State Bobcats -30.5 (-112)+1
TOTAL63.5 (-110)66.5 (-108)+3
MONEYLINETexas State Bobcats -4500Texas State Bobcats -3200+1300
Every move, in order ›
WhenSpreadTotalMoneyline
OPENSep 23 11:04 AMTexas State Bobcats -29.5 (-110)63.5 (-110)Texas State Bobcats -4500 · Incarnate Word Cardinals +1700
Sep 24 12:52 PMTexas State Bobcats -30.5 (-115)65.5 (-105)Texas State Bobcats -6500 · Incarnate Word Cardinals +2000
Sep 25 8:01 AMTexas State Bobcats -30.5 (-115)64.5 (+100)Texas State Bobcats -6500 · Incarnate Word Cardinals +2000
Sep 25 2:01 PMTexas State Bobcats -30.5 (-108)64.5 (-105)Texas State Bobcats -6500 · Incarnate Word Cardinals +2000
Sep 25 3:02 PMTexas State Bobcats -30.5 (-108)64.5 (-105)Texas State Bobcats -5000 · Incarnate Word Cardinals +1800
Sep 25 5:43 PMTexas State Bobcats -30.5 (-108)64.5 (-110)Texas State Bobcats -5000 · Incarnate Word Cardinals +1800
Sep 25 5:53 PMTexas State Bobcats -30.5 (-115)64.5 (-110)Texas State Bobcats -5000 · Incarnate Word Cardinals +1800
Sep 25 6:03 PMTexas State Bobcats -30.5 (-115)64.5 (-115)Texas State Bobcats -5000 · Incarnate Word Cardinals +1800
Sep 26 6:00 AMTexas State Bobcats -30.5 (-118)64.5 (-115)Texas State Bobcats -5000 · Incarnate Word Cardinals +1800
Sep 26 9:53 AMTexas State Bobcats -30.5 (-118)65.5 (-105)Texas State Bobcats -2800 · Incarnate Word Cardinals +1300
Sep 26 10:03 AMTexas State Bobcats -30.5 (-118)65.5 (-112)Texas State Bobcats -2800 · Incarnate Word Cardinals +1300
Sep 26 1:37 PMTexas State Bobcats -30.5 (-118)65.5 (-112)Texas State Bobcats -3200 · Incarnate Word Cardinals +1400
Sep 26 3:59 PMTexas State Bobcats -30.5 (-118)66.5 (-105)Texas State Bobcats -3200 · Incarnate Word Cardinals +1400
CLOSESep 26 4:40 PMTexas State Bobcats -30.5 (-112)66.5 (-108)Texas State Bobcats -3200 · Incarnate Word Cardinals +1400

The read

Texas State hosts Incarnate Word in San Marcos, with the Bobcats coming off their first victory and the Cardinals beginning a three-game road stretch. Both offenses arrive with something to build on.

I’m taking the points because UIW’s passing game can challenge the part of Texas State that has struggled to support separation. The Bobcats have allowed 1,110 passing yards through three games and a 49.6% defensive success rate, ranked 131st of 138 FBS teams. Their schedule ranks eighth in the supplied strength-of-schedule assessment, which deserves consideration. Still, North Texas scored 35 points and UTSA scored 31. The defensive concern extends beyond the loss to Texas.

Emmett Brown has completed 65.3% of his passes, with 792 passing yards through three games. Isaiah Champagne’s 22 catches for 254 yards give him an established receiving connection. My read is that UIW can put together enough scoring possessions to make this spread difficult for Texas State to cover. The Bobcats’ one recorded sack across three games adds to that case, although sacks alone cannot establish how much pressure Brown will face.

Texas State has a credible route to a runaway. Torrance Burgess Jr. has 397 rushing yards at 7.4 per carry, Davian Jackson has five rushing touchdowns, and Brad Jackson just threw four touchdown passes against North Texas. UIW could struggle to interrupt that production. Brown’s four interceptions are the biggest threat to this ticket because giveaways could hand an already productive offense easier scoring opportunities.

I expect Texas State’s offense to create problems. I also see enough in UIW’s passing production, matched against the Bobcats’ defensive results, to back the Cardinals to keep scoring and stay inside +30.5.

Injuries noted

Texas State Bobcats: Beau Sparks (game-time decision) — Wide receiver; an undisclosed condition made him a game-time decision against Incarnate Word, according to reporting attributed to Caleb Yum of the Austin American-Statesman.; Zechariah Sample (game-time decision) — Wide receiver; an undisclosed condition made him a game-time decision against Incarnate Word, according to reporting attributed to Caleb Yum of the Austin American-Statesman.; Kylen Evans (game-time decision) — Wide receiver; a shoulder injury made him a game-time decision against Incarnate Word, according to reporting attributed to Caleb Yum of the Austin Statesman.

The research

The dated measurements the app shows under this card — observations with their sample and source, not predictions.

QUARTERBACK

  • Emmett Brown is UIW's projected starter

    7.84 Y/A

    Emmett Brown is UIW's projected starting quarterback. UIW's September 19 official recap calls Brown its quarterback, calls David Rasor the backup and identifies Texas State as the next game; no successfully opened current-week source explicitly announced Brown as the starter. 2026 line: 792 passing yards, 65.3% completions, 7.84 yards per attempt, 4-4 TD-INT over 3 games.

  • Brad Jackson is TXST's projected starter

    8.17 Y/A

    Brad Jackson is TXST's projected starting quarterback. A September 21 report identifies Jackson as Texas State's quarterback and says he will face Incarnate Word, but it does not quote a formal starter announcement for this game. 2026 line: 613 passing yards, 64.0% completions, 8.17 yards per attempt, 5-3 TD-INT over 3 games.

TRENCHES

  • TXST: 262.3 rushing yards per game to UIW's 201.7

    60.7 YPG

    UIW is at 201.7 rushing yards per game over 3 games; TXST is at 262.3 over 3 games. Those are this season's games through Sep 25. Last season UIW was at 147.2 over 12 games and TXST at 222.1 over 13 games.

PACE & SCRIPT

  • UIW: 44.7 points per game to TXST's 27.3

    17.3 PPG

    Incarnate Word has scored at a much higher clip than Texas State through three games, a big swing from last season when UIW sat at 25.7 and TXST at 36.5. Three games can inflate a scoring average fast, and Texas State's history says 27.3 is closer to a floor. Expect some pull back toward last year's numbers on both sides before treating UIW as the better offense in this game.

  • UIW: 25 points allowed per game to TXST's 41.7

    16.7 PPG

    Texas State is allowing 41.7 points a game over three games, a big jump from 29 last season, while UIW sits at 25, nearly identical to last year's 25.5. The UIW number looks like who they are. The TXST figure is a small sample and could ease, but pair it with UIW's hot offense and this sets up as a game where the home defense has to prove it can get stops.

  • UIW @ TXST carries a 65.5 market total

    65.5

    This is the highest total on the list at 65.5, 11 points above the 54.5 median across 41 games. The market expects lots of possessions and quick scoring, with one side likely putting up points in bunches. It holds if the pace stays fast; it cracks if one team grinds clock with a big lead and the second half goes quiet. The game script late matters more than the first half here.

TURNOVERS

  • TXST: 1.67 turnovers committed per game to UIW's 3.67

    2 TO

    UIW has given the ball away almost four times a game over three games, more than double last season's 1.5. That is the kind of rate that usually falls back, since turnovers swing a lot in small samples. TXST at 1.67 is close to its 1.23 from last season. A high-scoring UIW team that also coughs it up makes for a volatile road spot, where a couple of short fields can flip a game.

MISMATCH

  • TXST: 1.67 turnovers a game to UIW's 3.67

    1.67 VS 3.67

    UIW has turned it over 3.67 times a game through 3 games, more than double the 1.5 it averaged last season. Texas State is at 1.67, a bit above its 1.23 a year ago. Turnover rates swing hard in three games, so UIW's number is likely to come down. Still a road team giving the ball away that often hands Texas State short fields, and UIW has to play clean, conservative football to stay in it.

COVERAGE

  • UIW: 194.3 passing yards allowed per game to TXST's 367

    172.7 YPG

    UIW is at 194.3 passing yards allowed per game over 3 games; TXST is at 367 over 3 games. Those are what each defense has allowed in this season's games through Sep 25.

  • UIW: 26.7% third downs allowed to TXST's 53.3%

    26.7 PP

    UIW is at 26.7% third downs allowed over 3 games; TXST is at 53.3% over 3 games. Those are what each defense has allowed in this season's games through Sep 25.

SITUATIONAL

  • UIW: 294 team passing yards per game to TXST's 217

    77 YPG

    UIW is at 294 team passing yards per game over 3 games; TXST is at 217 over 3 games. Those are this season's games through Sep 25. Last season UIW was at 245.7 over 12 games and TXST at 250.9 over 13 games.

All research from this day

About this analysis

Who made it
Gary AI, an AI sports-analysis product operated by Gary A.I. LLC. No human reviewer is claimed unless one is explicitly named.
Published data
Daily picks first stored September 26, 2026 at 8:07 AM ET.
Odds record
The pick receipt shows the price printed in the published ticket. The matchup market and line ladder provide separate market context. Stored sportsbook sources: fanduel, draftkings, betrivers, betmgm.
Accountability
Read the editorial standards, source policy, and corrections process.

Every pick posts before the game and is graded after, in public. My Book on this website lets you tail or fade listed calls and keeps your record separately labeled; Gary is also available as a native iOS app.

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