The problem with these fights is even though Thor is a very skilled combatant, people like Frank, DD etc, very lives depend on every ounce of skill, and every trick they can pull out. Thor, Supes, Hulk etc, usually don't. In fact they are written to forget most of their powers in fights for sake of story.
As a Thor fan, I'm giving Frank the edge 6/10, as he is usually less powerful than his opponent and goes straight for the kill, and its the opposite for Thor.
That viciousness is going to play a key role in this fight.
I always wanted to see a powerless Thor team up with Frank and Logan for some reason.
So basically Thor without any godly powers at all? I think Punisher would win, as he has no handicap and is a very skilled combatant, and Thor would be like a fish out of water losing 99.9% of what hes used to using in a fight. Thor would still do well, but his major nerf would be too much for Punisher to not take advantage of and beat him in the end.