2025 NFL Week 12 Panthers vs. 49ers line, odds: Expert reveals pick for Monday Night Football matchup

Teams looking to stay in the mix in their respective divisions clash when the Carolina Panthers battle the San Francisco 49ers on Monday Night Football. Carolina is coming off a 30-27 overtime win over the Atlanta Falcons, while San Francisco rolled to a 41-22 win over the Arizona Cardinals in Week 11. The Panthers (6-5), who are second in the NFC South, are 3-3 on the road this season. The 49ers (7-4), who are third in the NFC West, are 2-2 on their home field in 2025.

Kickoff from Levi's Stadium in Santa Clara, Calif., is set for 8:15 p.m. ET. The Panthers lead the all-time series 13-10, but the 49ers have won the last two meetings. San Francisco is a 7-point favorite in the latest Panthers vs. 49ers odds, while the over/under for total points scored is 49.5. 

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Before making any Panthers vs. 49ers bets or predictions, make sure you check out what SportsLine NFL expert Micah Roberts has to say, given his mastery of picks in games involving the 49ers.

Micah Roberts has worked in the Las Vegas sportsbook industry for 20-plus years, including a 13-year run as Station Casinos' book director. Most importantly, Roberts has a read on the pulse of the 49ers. He is 18-4 (+1360) on his last 22 against-the-spread picks in games involving San Francisco! Anybody following could be WAY UP!

Now, Roberts has locked in another confident against-the-spread pick for Panthers vs. 49ers.

We can tell you he's leaning Over on the point total, but he knows a crucial X-factor makes one side of the spread a MUST-BACK! You ABSOLUTELY need to see what it is before locking in any picks of your own.

So who wins Panthers vs. 49ers on Monday Night Football, and what x-factor makes one side of the spread hit HARD? ... Join SportsLine right now to see which side of the Falcons vs. 49ers spread to back, all from the expert who is a blistering 18-4 on picks involving the 49ers!

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