Initiative B has the shortest payback period. With a 0.6 investment and 0.8 in annual EBITDA uplift, the payback period is under one year. Initiative A pays back in under a year as well, but more slowly than Initiative B. Initiative C has the longest payback period, taking just over one year to recoup the upfront cost.

From a prioritization standpoint, Initiative A should be the top focus. While Initiative B delivers the fastest payback, Initiative A addresses the core operational issue driving Midwest underperformance and delivers durable margin improvement across the branch network. Initiative C offers meaningful upside but carries higher execution risk and should be considered after proving success with operational fixes.

This sets up the final question around whether these improvements justify the investment thesis.