Naruto's personality would change a great deal. He'd be less naive. Pein has seen a lot of the dark side of the world, and raising Naruto would expose him to that. So Naruto would be more world - weary. He may also be more ruthless in achieving his goals, as Pein doesn't shy away from extreme measures.
If Naruto were raised by Pein in fanfiction, his personality would be transformed. He'd no longer have that infectious optimism that we associate with him. Instead, he'd be more brooding and introspective. Pein's experiences of war and suffering would color Naruto's view of life. He might question the value of things like friendship and loyalty in the same way as before. His sense of humor would probably be muted, and he'd be more focused on the bigger picture of the ninja world's power dynamics, having been indoctrinated by Pein's ideas about the need for change through force if necessary.
His personality would likely be more subdued. Ebisu is a rather proper and disciplined character, so Naruto would probably be less rambunctious.
His personality would likely be more reserved. Manda is not a very expressive or warm - hearted being, so Naruto might not be as outgoing as in the original story. He'd be more cautious and calculating, having learned from Manda's survival instincts.
Naruto might be more assertive. Since Kushina was a strong - willed person, Naruto would likely inherit some of that. He would be less likely to be pushed around and more likely to stand up for himself earlier. Also, he might be more family - oriented as he would have grown up with a loving mother figure in Kushina.
Naruto's personality would be a blend of his original self and Zeref's traits. He may still have his determination but it could be a darker kind of determination. His sense of humor would probably be lost as Zeref doesn't seem the type to encourage light - heartedness. Also, he could be more secretive, not as open as he is in the original Naruto series because Zeref often keeps his own council.
He'd probably be more reserved. Kakashi is not as boisterous as some others, so Naruto might pick up on that. For instance, he might not shout as much about becoming Hokage right away.
His personality might be more reserved. Tsunade is not as boisterous as some of Naruto's other mentors. So he could be less likely to jump into things without thinking. For instance, he might analyze a situation more carefully before acting.
His sense of loyalty might change. While Naruto is fiercely loyal to his friends and village in the original story, being raised by Catwoman could make him more loyal to a smaller, more select group. He might also be more cautious about who he gives his loyalty to, as Catwoman is often on her own and has to be careful about who she trusts.
His personality might become more refined. Instead of being the rowdy Naruto we know, he could be more composed and polite due to the influence of the daimyo's court.
If Naruto was raised by Pein in fanfiction, his character would likely be much darker. Pein's views are quite extreme compared to the more positive influences in Naruto's life like Iruka and Kakashi. Naruto might be more cynical and less likely to believe in the power of friendship so wholeheartedly. He could also be more focused on power and revenge, as Pein's Akatsuki has a lot to do with seeking power and changing the ninja world through force.
Naruto would likely be more empathetic. Kenshin has a deep understanding of the pain of others due to his own past. Naruto, under his care, would develop a stronger sense of empathy. He would be more likely to try to understand the motives of his enemies before attacking. His sense of humor might also change. It could become more subtle, influenced by Kenshin's more serious nature.