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Buffalo Bulls vs. Troy Trojans prediction, pick for CFB Week 4 on Saturday 9/20/25

Buffalo Bulls vs. Troy Trojans prediction, pick for CFB Week 4 on Saturday 9/20/25

Published:

By: Dan Johnson

UB Stadium sets the stage for a tight, late-September non-conference test that profiles more like a numbers duel than a vibes play, and the market has settled into that posture. Buffalo is laying 5.5 at standard juice on DraftKings, and the total sits at 44.5. Below is my prediction and pick for College Football Week 4’s game between the Buffalo Bulls and the Troy Trojans on Saturday.

Here’s how I’ll play it. I’ll be pumping out these predictions for individual games all season, with plenty of coverage here on DraftKings Network. Follow my handle @dansby_edits for more betting plays.

Buffalo vs. Troy prediction, preview

Overall power ranks favor Buffalo 85th to Troy’s 96th, and the defensive split is the most pronounced (81st for Buffalo versus 124th for Troy), which matters in a game where one offense doesn’t need fireworks to create separation. Offense power ranks tilt toward Troy (60th) over Buffalo (109th), but that gap softens when the efficiency line items come into focus. Buffalo carries positive expected points added on the ground and through the air—0.03 EPA per rush and 0.04 EPA per pass—while Troy sits in the red at -0.02 EPA per rush and -0.21 EPA per pass. Positive EPA on both branches rarely coincides with a low-40s total unless pace or finishing power is a problem, and neither profile waves a red flag there.

The snap and play-calling data explain why possessions should be functional rather than labored. Buffalo averages 67.7 offensive snaps with a 51.0% run rate and 49.0% pass rate, a balance that prevents obvious tells and keeps early downs on schedule. Troy lives at 65.7 snaps with a 58.6% pass rate, the exact tendency that creates clock stoppages, extra plays, short fields off incompletions, and the occasional explosive when protection holds. With both teams clustered around two-thirds of a hundred plays, the volume component for a mid-40s number is already close to satisfied before efficiency does any heavy lifting.

Passing is where the difference in scoring reliability shows up most sharply, and it begins with how each team’s dropback game holds up when the pocket wobbles. Buffalo’s passing room grades at 63.5 by PFF against Troy’s 56.4, but the sub-metrics tell the story: a 79.2 passer rating when clean is solid, and a 120.5 rating under pressure is downright sustainable; Troy checks in at 65.5 when clean and craters to 56.3 under pressure. That stability gap links cleanly to play-quality metrics at the throw level. Buffalo owns a 5.10% Big-Time-Throw rate against a 2.04% Turnover-Worthy Play rate; Troy flips that relationship with a 2.68% Big-Time-Throw rate and a 3.57% Turnover-Worthy Play rate. When the offense that avoids mistakes also generates the higher proportion of chunk plays, drives end with points more often, and short-field opportunities for the opponent appear when the other side presses.

Strength of schedule offers context rather than contradiction. Troy’s SOS ranks 34th while Buffalo’s sits 88th, and that’s a fair note if you’re using early-season surface stats as your primary compass. The EPA and PFF profiles are already schedule-adjusted in spirit, though, and they still paint a matchup where Buffalo’s balanced, mistake-averse structure is more likely to cash red-zone trips, while Troy’s pass-lean and protection variance add volatility rather than a hard cap. Add the call-sheet tendencies—Buffalo can toggle run or pass on script, Troy invites variance by leaning into the air—and you get more paths to a 20s-type game on both sides than the number suggests.

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Troy vs. Buffalo pick, best bet

Quarterback Ta’Quan Roberson operates within that steadier Buffalo passing profile, and his job is simpler when the operation’s under-pressure output already grades as elite by rating. Wide receiver Victor Snow stretches the field enough to keep safeties honest, which is exactly how a 5.10% Big-Time-Throw environment produces two or three real shot chances across 30-plus attempts. For Troy, quarterback Tucker Kilcrease faces the tougher assignment behind a pass game that loses efficiency the moment the pocket compresses, so running back Tae Meadows becomes the counterpunch that can force Buffalo to defend the full script. If Meadows pops a couple of early explosives, Troy earns the play-action looks that pull its passing grade toward neutral for an afternoon, and that is how the dog’s cover probability and the total’s edge can both hit.

The difference-maker likely emerges from Buffalo’s ability to turn pressure into production rather than panic. If Roberson keeps that under-pressure rating pointing north and the Bulls maintain their 0.03 EPA per rush on early downs, they will stay out of third-and-long, protect their red-zone floor, and force Troy to chase with that 58.6% pass rate. If Troy’s pass game catches rhythm on play-action and the Big-Time-Throw versus Turnover-Worthy Play ledger narrows, the Trojans will do their part to get this past the mid-40s as well.

In any case, it all points to a game that clears the low-40s more often than the board implies. Call it Buffalo 27, Troy 20, with a late short-field cash turning a tight script into a total that lands on the right side of the number.

Ride the over.

Best bet: Buffalo vs. Troy o44.5 total points (-105)

Tail it with me in the DKN Betting Group here!

Dan Johnson has been an editor, writer, and analyst for DraftKings and DraftKings Network since 2024. He’s previously held editorial posts at The Paris Review, Macmillan Publishers, Bedford/St. Martin’s Press, ASSIGNMENT Magazine, and FantasySixPack. You can find his various editorial work & writing (sports-related and non-) at all of the above.
Disclaimer

I am a promoter at DraftKings and am also an avid fan and user (my username is thegreatdansby9) and may sometimes play on my personal account in the games that I offer advice on. Although I have expressed my personal view on the games and strategies above, they do not necessarily reflect the view(s) of DraftKings and do not constitute a representation that any particular strategy will guarantee success. All customers should use their own skills and judgment in building lineups. I may also deploy different players and strategies than what I recommend above. I am not an employee of DraftKings and do not have access to any non-public information.