When a stock hits a fresh low, it can either signal a dirt cheap dream stock or a dreadful stock to avoid. Separating the wheat from the chaff is difficult, but finding well-run companies at bargain-basement prices is a great way to accumulate a fortune over the long run.

With that in mind, we'll use the aggregate intelligence of the 125,000-plus investors participating in Motley Fool CAPS to see what the community is saying about stocks hitting 52-week lows today. The community's approval (signified by four- and five-star ratings) could indicate that further research is in order.

Here are three such stocks:

Company

Today’s Intraday Price

Industry

CAPS Rating (out of 5)

Fools Saying Outperform

Capital One Financial Corp. (NYSE:COF)

$21.49

Consumer Finance

1 Stars

657 of 1123

Fundtech Ltd. (NASDAQ:FNDT)

$6.02

Software

4 Stars

304 of 310

Fifth Third Bancorp (NASDAQ:FITB)

$3.90

Commercial Banks

1 Stars

360 of 699

Source: Motley Fool CAPS, as of Jan. 21, 2009.

Top-rated consumer finance companies:

  • EZCORP, Inc. (NASDAQ:EZPW): Stock price is 15% higher than last year.
  • Advance America, Cash Advance Centers (NYSE:AEA): Stock price is 75% lower than last year.

Top-rated software companies:

  • NAVTEQ Corp (NYSE:NVT): Stock price is 72% higher than last year.
  • Quality Systems, Inc. (NASDAQ:QSII): Stock price is 49% higher than last year.

Join us on CAPS to learn more about these and countless other interesting stock ideas.