US Financials took a beating since February. The time to buy is now.$JPM: $JPM, JP Morgan Chase & Co. / H1 $BAC: $BAC, Bank of America Corporation / H1 $C $C, Citigroup, Inc. / H1 Further:Multiple rate hikes widen profits from deposit spreadsStress tests are harder than ever. Banks are passing themCost cuts and technology implementation raises ROI