Towson Tigers vs Maryland Terrapins Prediction, Odds and Picks for Saturday, 09/13/25

Naturally, there’s built-in FBS bias at play here. Maryland, as a Power Four program, gets the benefit of perception, while Towson automatically takes back an inflated number. That’s the starting point for this handicap—the Tigers are priced up simply because of who they are, not what they’re capable of.

Now, if this were lacrosse, the conversation would be very different. Towson and Maryland have one of the fiercest rivalries in that sport, and the animosity carries across other athletic programs, football included. On the gridiron, however, Maryland has had the upper hand. The Terrapins have won the last three meetings in the series, and Towson hasn’t posed much of a threat. That history makes the Tigers an easy target for the market to fade.

Maryland’s start to the season only reinforces that narrative. The Terps cruised through Florida Atlantic and Northern Illinois, flexing their depth and speed in the process. From the outside looking in, this appears to be just another routine tune-up where Maryland rolls over an FCS opponent. But that line of thinking is exactly what fuels the bias that creates value on the other side.

Towson enters with nothing to lose. They’ll treat this as more than a pay-check game—it’s an intrastate rivalry with added emotion. For Maryland, this is business as usual; for Towson, it’s a chance to make noise against their big brother. That imbalance in motivation matters.

At the end of the day, Maryland is the bigger, deeper program, but football rarely hinges on talent alone. The game hinges on effort, focus, and situational value. Towson brings the latter in spades, while the Terps are already looking ahead to Big Ten play. Take the points with the Tigers.

Towson vs. Maryland: Towson + – Final number to be released on gameday due to FCS vs. FBS match-up.