North Carolina vs California Prediction, Picks & Odds for October 17 — College Football Week 8

Farmer’s prediction: The Bears will be the latest team to embarrass Bill Belichick and the Tar Heels.

Douglas Farmer - Betting Analyst at Covers
Douglas Farmer • Betting Analyst
Oct 16, 2025 • 14:22 ET • 4 min read

NCAAF

Match starts: 29 hrs
CAL
66 %
UNC
34 %
EXPERT PICK - SPREAD
California -9.5 (-124) California -9.5 (-124)
Read Analysis
Kendrick Raphael California Golden Bears NCAAF
Photo By - Imagn Images. California Golden Bears running back Kendrick Raphael (1).

Remember, college football fans, it can always get worse. 

Bill Belichick may have thought the nadir of his time leading the North Carolina Tar Heels was this past week, amid rampant speculation that he was already trying to leave Chapel Hill, but only an NFL fool would fail to recognize that no, it can always get worse.

The Cal Bears will make Belichick’s life worse on a national broadcast in a standalone game this week.

My North Carolina vs. Cal predictions expect the home favorite to not only cover but to do so with some ease.

Find out more in my college football picks for Friday, October 17.

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North Carolina vs California prediction

North Carolina vs California best bet: Cal -9.5 (-124)

The narrative might think North Carolina should finally be focused.

Surely, playing only one game in the last four weeks will have the Tar Heels dialed in, right?

Certainly, an idle week including rampant rumors that Bill Belichick was already leaving Chapel Hill will create some motivation, right?

Undoubtedly, life cannot get worse for North Carolina, can it?

It can always get worse.

Those Belichick rumors did not help anyone on the Tar Heels roster focus. There is plenty of reason to think the coaching staff is already pondering outs to preserve individual careers.

Expecting this misguided NFL mentality to game plan for a Friday night in Berkeley is utterly foolish.

North Carolina has gone 0-3 against the spread vs. Power Four opponents this season, coming as close as two touchdowns of the spread just once.

Falling short of bookmakers’ expectations by an average of 20.8 points per game against supposedly comparable competition makes one thing clear: we are not making fun of Bill Belichick enough.

If this was the best the NFL had to offer, Cal will be the next team of many to show that college football demands more.

North Carolina vs California same-game parlay

North Carolina has topped out at 14 points against Power Four competition this season.

The Tar Heels have scored only one touchdown before garbage time in three games against Power Four competition.

Expect Cal to be the next defense to shut down the broken Tar Heels' offense, and the ballooning lead will give Jaron-Keawe Sagapolutele a chance to relax and tally some stats in front of a national audience. 

North Carolina vs California SGP

  • Cal -9.5
  • North Carolina team total Under 17.5 points
  • Jaron-Keawe Sagapolutele Over 261.5 passing yards

Our deep-ball SGP: Playing Kendrick

Cal has emphasized junior running back Kendrick Raphael in its last two games, taking 43 carries for 186 yards in the two games compared to just 50 carries in the first four games. Raphael's three touchdowns in the last two games are thus not surprising.

Meanwhile, North Carolina is running less and less often. Desperation will do that. 

North Carolina vs California SGP

  • Cal -9.5
  • North Carolina team total Under 17.5 points
  • Jaron-Keawe Sagapolutele Over 261.5 passing yards
  • Kendrick Raphael Over 70.5 rushing yards
  • Kendrick Raphael anytime touchdown
  • Demon June Under 43.5 rushing yards

North Carolina vs California odds

  • Spread: North Carolina -7.5 (-110) | California +7.5 (-110)
  • Moneyline: North Carolina -320 | California +260
  • Over/Under: Over 47.5 (-110) | Under 47.5 (-110)

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North Carolina vs California trend to know

North Carolina has fallen short of its team total in all four FBS games this season, cashing those Unders by an average of 10.25 points per game. Find more college football betting trends for North Carolina vs California.

How to watch North Carolina vs California

Location California Memorial Stadium, Berkeley, CA
Date Friday, October 17, 2025
Kickoff 10:30 p.m. ET
TV ESPN

North Carolina vs California latest injuries

North Carolina vs California weather

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Odds are correct at the time of publishing and are subject to change.
Not intended for use in MA.
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Douglas Farmer
Betting Analyst

Douglas Farmer spends his days thinking about college football and his nights thinking about the NBA. His betting habits and coverage follow that same pattern. He covered Notre Dame football for various outlets from 2008 to 2024, most notably spending eight seasons as NBC Sports’ beat writer on the Irish. That was also when his gambling focus took off. Knowing there were veteran beat writers with three decades more experience than he had, Douglas found his niche by best recognizing Notre Dame’s standing in each year’s national landscape, a complex tapestry most easily understood and remembered via betting odds.

In 2021, that interest created a freelance opportunity with Covers, a role that eventually led to Douglas joining the company full-time in 2023. In the fall, Douglas will place five or six dozen bets each week, a disproportionate amount via BetRivers because the operator tends to have lines slightly different than the rest of the market. The same can be said of Circa Sports’ futures markets.

While Douglas is an avid NBA fan and covers the league throughout the year, the vast majority of his bets are on college football, because that is the biggest key to sports betting: Know what you do not know.

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