Fujifilm X100F vs Panasonic TZ95

The Fujifilm X100F and the Panasonic Lumix DC-TZ95 (labelled Panasonic ZS80 in some countries) are two digital cameras that were announced, respectively, in January 2017 and February 2019. Both the X100F and the TZ95 are fixed lens compact cameras that are based on an APS-C (X100F) and a 1/2.3-inch (TZ95) sensor. The Fujifilm has a resolution of 24 megapixels, whereas the Panasonic provides 20.2 MP.

Below is an overview of the main specs of the two cameras as a starting point for the comparison.

Headline Specifications

Fujifilm X100F		Panasonic TZ95
Fixed lens compact camera		Fixed lens compact camera
35mm f/2.0		24-720mm f/3.3-6.4
24 MP – APS-C sensor		20.2 MP – 1/2.3" sensor
1080/60p Video		4K/30p Video
ISO 200-12,800 (100 - 51,200)		ISO 80-3,200 (80 - 6,400)
Electronic viewfinder (2360k dots)		Electronic viewfinder (2330k dots)
3.0" LCD – 1040k dots		3.0" LCD – 1040k dots
Fixed screen (not touch-sensitive)		Tilting touchscreen
8 shutter flaps per second		10 shutter flaps per second
390 shots per battery charge		380 shots per battery charge
127 x 75 x 52 mm, 469 g		112 x 69 x 42 mm, 327 g

Check X100F offers at
ebay.com
Check TZ95 offers at
ebay.com

Going beyond this snapshot of core features and characteristics, what are the differences between the Fujifilm X100F and the Panasonic Lumix DC-TZ95? Which one should you buy? Read on to find out how these two cameras compare with respect to their body size, their imaging sensors, their shooting features, their input-output connections, and their reception by expert reviewers.

Body comparison

The physical size and weight of the Fujifilm X100F and the Panasonic TZ95 are illustrated in the side-by-side display below. The two cameras are presented according to their relative size. Three consecutive views from the front, the top, and the rear side are shown. All size dimensions are rounded to the nearest millimeter.

Both cameras are available in two different colors (black, silver).

If the front view area (width x height) of the cameras is taken as an aggregate measure of their size, the Panasonic TZ95 is notably smaller (19 percent) than the Fujifilm X100F. Moreover, the TZ95 is markedly lighter (30 percent) than the X100F. In this context, it is worth noting that neither the X100F nor the TZ95 are weather-sealed.

Concerning battery life, the X100F gets 390 shots out of its Fujifilm NP-W126S battery, while the TZ95 can take 380 images on a single charge of its Panasonic DMW-BLG10 power pack. The battery packs of both cameras can be charged via USB, which can be very convenient when travelling.

The adjacent table lists the principal physical characteristics of the two cameras alongside a wider set of alternatives. In case you want to display and compare another camera duo, you can use the CAM-parator app to select your camera combination among a large number of options.

Body Specifications

		Camera Model	Camera Width	Camera Height	Camera Depth	Camera Weight	Battery Life	Weather Sealing	Camera Launch	Launch Price (USD)	Street Price
1.		Fujifilm X100F	127 mm	75 mm	52 mm	469 g	390	n	Jan 2017	1,299	ebay.com
2.		Panasonic TZ95	112 mm	69 mm	42 mm	327 g	380	n	Feb 2019	449	ebay.com
3.		Canon G1 X Mark III	115 mm	78 mm	51 mm	399 g	200	Y	Oct 2017	1,299	ebay.com
4.		Canon SX740	110 mm	64 mm	40 mm	299 g	265	n	Jul 2018	399	amazon.com
5.		Fujifilm X-A5	117 mm	68 mm	40 mm	361 g	450	n	Jan 2018	399	ebay.com
6.		Fujifilm X-T3	133 mm	93 mm	59 mm	539 g	390	Y	Sep 2018	1,499	ebay.com
7.		Fujifilm X-T100	121 mm	83 mm	47 mm	448 g	430	n	May 2018	599	ebay.com
8.		Fujifilm X100	126 mm	75 mm	54 mm	445 g	300	n	Sep 2010	1,199	ebay.com
9.		Fujifilm X100S	127 mm	74 mm	54 mm	445 g	330	n	Jan 2013	1,299	ebay.com
10.		Fujifilm X100T	127 mm	74 mm	52 mm	440 g	330	n	Sep 2014	1,299	ebay.com
11.		Fujifilm X100V	128 mm	75 mm	53 mm	478 g	420	Y	Feb 2020	1,399	ebay.com
12.		Fujifilm XF10	113 mm	64 mm	41 mm	279 g	330	n	Jul 2018	499	ebay.com
13.		Panasonic FT7	117 mm	76 mm	37 mm	319 g	300	Y	May 2018	449	ebay.com
14.		Panasonic FZ2500	138 mm	102 mm	135 mm	915 g	350	n	Sep 2016	1,199	amazon.com
15.		Panasonic LX100 II	115 mm	66 mm	65 mm	392 g	300	n	Aug 2018	999	ebay.com
16.		Panasonic TZ90	112 mm	67 mm	41 mm	322 g	380	n	Apr 2017	449	ebay.com
Note: Measurements and pricing do not include easily detachable parts, such as add-on or interchangeable lenses or optional viewfinders.
Convert to Imperial

Any camera decision will naturally be influenced heavily by the price. The retail prices at the time of the camera’s release place the model in the market relative to other models in the producer’s line-up and the competition. The TZ95 was launched at a markedly lower price (by 65 percent) than the X100F, which puts it into a different market segment. Usually, retail prices stay at first close to the launch price, but after several months, discounts become available. Later in the product cycle and, in particular, when the replacement model is about to appear, further discounting and stock clearance sales often push the camera price considerably down.

Sensor comparison

The imaging sensor is at the core of digital cameras and its size is one of the main determining factors of image quality. A large sensor will generally have larger individual pixels that offer better low-light sensitivity, provide wider dynamic range, and have richer color-depth than smaller pixels in a sensor of the same technological generation. Moreover, a large sensor camera will give the photographer more control over depth-of-field in the image and, thus, the ability to better isolate a subject from the background. On the downside, larger sensors tend to be more expensive and lead to bigger and heavier cameras and lenses.

Of the two cameras under consideration, the Fujifilm X100F features an APS-C sensor and the Panasonic TZ95 a 1/2.3-inch sensor. The sensor area in the TZ95 is 92 percent smaller. As a result of these sensor size differences, the cameras have a format factor of, respectively, 1.5 and 5.6. The sensor in the X100F has a native 3:2 aspect ratio, while the one in the TZ95 offers a 4:3 aspect.

With 24MP, the X100F offers a higher resolution than the TZ95 (20.2MP), but the X100F nevertheless has larger individual pixels (pixel pitch of 3.92μm versus 1.18μm for the TZ95) due to its larger sensor. However, the TZ95 is a much more recent model (by 2 years) than the X100F, and its sensor will have benefitted from technological advances during this time that further enhance the light gathering capacity of its pixels. Coming back to sensor resolution, it should be mentioned that neither of the two cameras has an anti-alias filter installed, so they are able to capture all the detail the sensor resolves.

The resolution advantage of the Fujifilm X100F implies greater flexibility for cropping images or the possibility to print larger pictures. The maximum print size of the X100F for good quality output (200 dots per inch) amounts to 30 x 20 inches or 76.2 x 50.8 cm, for very good quality (250 dpi) 24 x 16 inches or 61 x 40.6 cm, and for excellent quality (300 dpi) 20 x 13.3 inches or 50.8 x 33.9 cm. The corresponding values for the Panasonic TZ95 are 25.9 x 19.4 inches or 65.8 x 49.4 cm for good quality, 20.7 x 15.6 inches or 52.7 x 39.5 cm for very good quality, and 17.3 x 13 inches or 43.9 x 32.9 cm for excellent quality prints.

The X100F has on-sensor phase detect pixels, which results in fast and reliable autofocus acquisition even during live view operation.

The Fujifilm X100F has a native sensitivity range from ISO 200 to ISO 12800, which can be extended to ISO 100-51200. The corresponding ISO settings for the Panasonic Lumix DC-TZ95 are ISO 80 to ISO 3200, with the possibility to increase the ISO range to 80-6400.

In terms of underlying technology, the X100F is build around a CMOS sensor, while the TZ95 uses a BSI-CMOS imager. The X100F uses Fujifilm's X-Trans layout of photosites, while the TZ95 employs the more common Bayer array.

Consistent information on actual sensor performance is available from DXO Mark for many cameras. This service assesses and scores the color depth ("DXO Portrait"), dynamic range ("DXO Landscape"), and low-light sensitivity ("DXO Sports") of camera sensors, and also publishes an overall camera score. The table below summarizes the physical sensor characteristics and sensor quality findings and compares them across a set of similar cameras.

Sensor Characteristics

		Camera Model	Sensor Class	Resolution (MP)	Horiz. Pixels	Vert. Pixels	Video Format	DXO Portrait	DXO Landscape	DXO Sports	DXO Overall
1.		Fujifilm X100F	APS-C	24.0	6000	4000	1080/60p	23.9	13.2	1704	81
2.		Panasonic TZ95	1/2.3	20.2	5184	3888	4K/30p	20.7	12.2	1103	52
3.		Canon G1 X Mark III	APS-C	24.0	6000	4000	1080/60p	23.8	13.2	1649	81
4.		Canon SX740	1/2.3	20.2	5184	3888	4K/30p	20.6	12.1	1050	51
5.		Fujifilm X-A5	APS-C	24.0	6000	4000	4K/15p	24.0	13.3	1800	82
6.		Fujifilm X-T3	APS-C	26.0	6240	4160	4K/60p	24.0	13.4	1853	83
7.		Fujifilm X-T100	APS-C	24.0	6000	4000	4K/15p	24.0	13.4	1829	83
8.		Fujifilm X100	APS-C	12.2	4288	2848	720/30p	22.9	12.4	1001	73
9.		Fujifilm X100S	APS-C	16.0	4896	3264	1080/60p	23.3	12.5	1329	75
10.		Fujifilm X100T	APS-C	16.0	4896	3264	1080/60p	23.6	12.8	1483	78
11.		Fujifilm X100V	APS-C	26.0	6240	4160	4K/30p	24.2	13.6	1996	84
12.		Fujifilm XF10	APS-C	24.0	6000	4000	4K/15p	24.0	13.4	1844	83
13.		Panasonic FT7	1/2.3	20.2	5184	3888	4K/30p	20.6	12.1	1028	51
14.		Panasonic FZ2500	1-inch	20.0	5472	3648	4K/30p	23.0	12.6	538	70
15.		Panasonic LX100 II	Four Thirds	16.8	4736	3552	4K/30p	22.8	12.7	979	72
16.		Panasonic TZ90	1/2.3	20.2	5184	3888	4K/30p	19.1	10.6	106	36
Note: DXO values in italics represent estimates based on sensor size and age.

Many modern cameras are not only capable of taking still images, but also of capturing video footage. Both cameras under consideration have a sensor with sufficiently fast read-out times for moving pictures, but the TZ95 provides a better video resolution than the X100F. It can shoot movie footage at 4K/30p, while the Fujifilm is limited to 1080/60p.

Feature comparison

Apart from body and sensor, cameras can and do differ across a variety of features. The two cameras under consideration are similar with respect to both having an electronic viewfinder. However, the one in the X100F offers a slightly higher resolution than the one in the TZ95 (2360k vs 2330k dots). The table below summarizes some of the other core capabilities of the Fujifilm X100F and Panasonic TZ95 in connection with corresponding information for a sample of similar cameras.

Core Features

		Camera Model	Viewfinder (Type or 000 dots)	Control Panel (yes/no)	LCD Specifications (inch/000 dots)	LCD Attach- ment	Touch Screen (yes/no)	Max Shutter Speed *	Max Shutter Flaps *	Built-in Flash (yes/no)	Built-in Image Stab
1.		Fujifilm X100F	2360	n	3.0 / 1040	fixed	n	1/4000s	8.0/s	Y	n
2.		Panasonic TZ95	2330	n	3.0 / 1040	tilting	Y	1/2000s	10.0/s	Y	Y
3.		Canon G1 X Mark III	2360	n	3.0 / 1040	swivel	Y	1/2000s	9.0/s	Y	Y
4.		Canon SX740	none	n	3.0 / 922	tilting	n	1/3200s	10.0/s	Y	Y
5.		Fujifilm X-A5	none	n	3.0 / 1040	tilting	Y	1/4000s	6.0/s	Y	n
6.		Fujifilm X-T3	3690	n	3.0 / 1040	full-flex	Y	1/8000s	11.0/s	n	n
7.		Fujifilm X-T100	2360	n	3.0 / 1040	swivel	Y	1/4000s	6.0/s	Y	n
8.		Fujifilm X100	1440	n	2.8 / 460	fixed	n	1/4000s	5.0/s	Y	n
9.		Fujifilm X100S	2360	n	2.8 / 460	fixed	n	1/4000s	6.0/s	Y	n
10.		Fujifilm X100T	2360	n	3.0 / 1040	fixed	n	1/4000s	6.0/s	Y	n
11.		Fujifilm X100V	3690	n	3.0 / 1620	tilting	Y	1/4000s	11.0/s	n	n
12.		Fujifilm XF10	none	n	3.0 / 1040	fixed	Y	1/4000s	6.0/s	Y	n
13.		Panasonic FT7	1170	n	3.0 / 1040	fixed	n	1/1300s	10.0/s	Y	Y
14.		Panasonic FZ2500	2360	n	3.0 / 1040	swivel	Y	1/4000s	12.0/s	Y	Y
15.		Panasonic LX100 II	2764	n	3.0 / 1240	fixed	Y	1/4000s	11.0/s	n	Y
16.		Panasonic TZ90	1166	n	3.0 / 1040	tilting	Y	1/2000s	10.0/s	Y	Y
Note: *) Information refers to the mechanical shutter, unless the camera only has an electronic one.

One differentiating feature between the two cameras concerns the touch sensitivity of the rear screen. The TZ95 has a touchscreen, while the X100F has a conventional panel. Touch control can be particularly helpful, for example, for setting the focus point.

The reported shutter speed information refers to the use of the mechanical shutter. Yet, some cameras only have an electronic shutter, while others have an electronic shutter in addition to a mechanical one. In fact, both cameras under consideration feature an electronic shutter, which makes completely silent shooting possible. However, this mode is less suitable for photographing moving objects (risk of rolling shutter) or shooting under artificial light sources (risk of flickering).

The Fujifilm X100F has an intervalometer built-in. This enables the photographer to capture time lapse sequences, such as flower blooming, a sunset or moon rise, without purchasing an external camera trigger and related software.

The TZ95 is equipped with a zoom lens, while the X100F comes with a built-in prime. The TZ95 has a 24-720mm f/3.3-6.4 optic and the X100F offers a 35mm f/2.0 (focal lengths in full frame equivalent terms). Hence, the Panasonic provides a wider angle of view at the short end, as well as more tele-photo reach at the long end than the Fujifilm. The X100F offers the faster maximum aperture.

Concerning the storage of imaging data, both the X100F and the TZ95 write their files to SDXC cards. Both cameras can use UHS-I cards, which provide for Ultra High Speed data transfer of up to 104 MB/s.

Connectivity comparison

For some imaging applications, the extent to which a camera can communicate with its environment can be an important aspect in the camera decision process. The table below provides an overview of the connectivity of the Fujifilm X100F and Panasonic Lumix DC-TZ95 and, in particular, the interfaces the cameras (and selected comparators) provide for accessory control and data transfer.

Input-Output Connections

		Camera Model	Hotshoe Port	Internal Mic / Speaker	Microphone Port	Headphone Port	HDMI Port	USB Port	WiFi Support	NFC Support	Bluetooth Support
1.		Fujifilm X100F	Y	stereo / mono	Y	-	micro	2.0	Y	-	-
2.		Panasonic TZ95	-	stereo / mono	-	-	micro	2.0	Y	-	Y
3.		Canon G1 X Mark III	Y	stereo / mono	-	-	micro	2.0	Y	Y	Y
4.		Canon SX740	-	stereo / mono	-	-	micro	2.0	Y	-	Y
5.		Fujifilm X-A5	Y	stereo / mono	Y	-	micro	2.0	Y	-	Y
6.		Fujifilm X-T3	Y	stereo / mono	Y	Y	micro	3.1	Y	-	Y
7.		Fujifilm X-T100	Y	stereo / mono	Y	-	micro	2.0	Y	-	Y
8.		Fujifilm X100	Y	stereo / -	-	-	mini	2.0	-	-	-
9.		Fujifilm X100S	Y	stereo / mono	-	-	micro	2.0	-	-	-
10.		Fujifilm X100T	Y	stereo / mono	Y	-	micro	2.0	Y	-	-
11.		Fujifilm X100V	Y	stereo / mono	Y	-	micro	3.1	Y	-	Y
12.		Fujifilm XF10	-	stereo / mono	Y	-	micro	2.0	Y	-	Y
13.		Panasonic FT7	-	stereo / mono	-	-	micro	2.0	Y	-	-
14.		Panasonic FZ2500	Y	stereo / mono	Y	Y	micro	2.0	Y	-	-
15.		Panasonic LX100 II	Y	stereo / mono	-	-	micro	2.0	Y	-	Y
16.		Panasonic TZ90	-	stereo / mono	-	-	micro	2.0	Y	-	-

It is notable that the X100F has a hotshoe, while the TZ95 does not. This socket makes it possible to easily attach optional accessories, such as an external flash gun.

Both the X100F and the TZ95 have been discontinued, but can regularly be found used on ebay. The X100F was replaced by the Fujifilm X100V, while the TZ95 does not have a direct successor. Further information on the features and operation of the X100F and TZ95 can be found, respectively, in the Fujifilm X100F Manual (free pdf) or the online Panasonic TZ95 Manual.

Review summary

So what is the bottom line? Which of the two cameras – the Fujifilm X100F or the Panasonic TZ95 – has the upper hand? Is one clearly better than the other? Below is a summary of the relative strengths of each of the two contestants.

Advantages of the Fujifilm X100F:

• More detail: Offers more megapixels (24 vs 20.2MP) with a 11% higher linear resolution.
• Better image quality: Features bigger pixels on a larger sensor for higher quality imaging.
• Richer colors: The pixel size advantage translates into images with better, more accurate colors.
• More dynamic range: Larger pixels capture a wider spectrum of light and dark details.
• Better low-light sensitivity: Larger pixels means good image quality even under poor lighting.
• Better live-view autofocus: Features on-sensor phase-detection for more confident autofocus.
• Better sound: Can connect to an external microphone for higher quality sound recording.
• Faster shutter: Has higher mechanical shutter speed (1/4000s vs 1/2000s) to freeze action.
• Easier time-lapse photography: Has an intervalometer built-in for low frequency shooting.
• Better light gathering: Has a lens with a wider maximum aperture (f/2.0 vs f/3.3).
• Better lighting: Features a hotshoe and can thus hold and trigger an external flash gun.
• More heavily discounted: Has been available for much longer (launched in January 2017).

Reasons to prefer the Panasonic Lumix DC-TZ95:

• Better video: Provides higher definition movie capture (4K/30p vs 1080/60p).
• Larger viewfinder image: Features a viewfinder with a higher magnification (0.53x vs 0.43x).
• More flexible LCD: Has a tilting screen for odd-angle shots in landscape orientation.
• Fewer buttons to press: Has a touchscreen to facilitate handling and shooting adjustments.
• More selfie-friendly: Has an articulated screen that can be turned to be front-facing.
• Faster burst: Shoots at higher frequency (10 vs 8 flaps/sec) to capture the decisive moment.
• Wider view: Has a wider-angle lens that facilitates landscape or interior shots.
• More compact: Is smaller (112x69mm vs 127x75mm) and will fit more readily into a bag.
• Less heavy: Has a lower weight (by 142g or 30 percent) and is thus easier to take along.
• Sharper images: Has stabilization technology built-in to reduce the impact of hand-shake.
• Easier wireless transfer: Supports Bluetooth for image sharing without cables.
• More affordable: Was introduced into a lower priced category (65 percent cheaper at launch).
• More modern: Reflects 2 years of technical progress since the X100F launch.

If the count of individual advantages (bullet points above) is taken as a guide, the TZ95 comes out slightly ahead of the X100F (13 : 12 points). However, the relative importance of the various individual camera aspects will vary according to personal preferences and needs, so that you might like to apply corresponding weights to the particular features before making a decision on a new camera. A professional sports photographer will view the differences between cameras in a way that diverges from the perspective of a street photog, and a person interested in family portraits has distinct needs from a landscape shooter. Hence, the decision which camera is best and worth buying is often a very personal one.

How about other alternatives? Do the specifications of the Fujifilm X100F and the Panasonic TZ95 place the cameras among the top in their class? Find out in the latest Best Prime Lens Compact Camera and Best Superzoom Camera listings whether the two cameras rank among the cream of the crop.

In any case, while the comparison of technical specifications can provide a useful overview of the capabilities of different cameras, it remains partial and cannot reveal, for example, the shooting experience and imaging performance when actually working with the X100F or the TZ95. User reviews, such as those found at amazon, can sometimes inform about these issues, but such feedback is often incomplete, inconsistent, and biased.

Expert reviews

This is why expert reviews are important. The following table reports the overall ratings of the cameras as published by some of the major camera review sites (amateurphotographer [AP], cameralabs [CL], digitalcameraworld [DCW], dpreview [DPR], ephotozine [EPZ], photographyblog [PB]). As can be seen, the professional reviewers agree in many cases on the quality of different cameras, but sometimes their assessments diverge, reinforcing the earlier point that a camera decision is often a very personal choice.

Expert Camera Reviews

		Camera   Model	AP   score	CL   score	DCW   score	DPR   score	EPZ   score	PB   score	Camera Launch	Launch Price (USD)	Street Price
1.		Fujifilm X100F	5/5	+	3.9/5	83/100	4.5/5	4.5/5	Jan 2017	1,299	ebay.com
2.		Panasonic TZ95	..	+ +	..	..	4.5/5	..	Feb 2019	449	ebay.com
3.		Canon G1 X Mark III	5/5	+	4/5	79/100	4.5/5	4.5/5	Oct 2017	1,299	ebay.com
4.		Canon SX740	..	+	3.5/5	..	4/5	4/5	Jul 2018	399	amazon.com
5.		Fujifilm X-A5	..	+	4.1/5	..	4/5	3.5/5	Jan 2018	399	ebay.com
6.		Fujifilm X-T3	5/5	+ +	4.5/5	88/100	5/5	5/5	Sep 2018	1,499	ebay.com
7.		Fujifilm X-T100	4/5	+	4.5/5	79/100	4/5	4.5/5	May 2018	599	ebay.com
8.		Fujifilm X100	3/5	..	..	75/100	4/5	5/5	Sep 2010	1,199	ebay.com
9.		Fujifilm X100S	5/5	+ +	..	81/100	4.5/5	5/5	Jan 2013	1,299	ebay.com
10.		Fujifilm X100T	5/5	+	..	81/100	4.5/5	5/5	Sep 2014	1,299	ebay.com
11.		Fujifilm X100V	5/5	+ +	4.5/5	86/100	5/5	4.5/5	Feb 2020	1,399	ebay.com
12.		Fujifilm XF10	..	..	4/5	75/100	4/5	4.5/5	Jul 2018	499	ebay.com
13.		Panasonic FT7	..	+	..	..	3.5/5	3.5/5	May 2018	449	ebay.com
14.		Panasonic FZ2500	..	+	..	82/100	4.5/5	5/5	Sep 2016	1,199	amazon.com
15.		Panasonic LX100 II	4.5/5	+	4.2/5	82/100	4.5/5	4.5/5	Aug 2018	999	ebay.com
16.		Panasonic TZ90	..	+ +	4/5	..	4/5	4/5	Apr 2017	449	ebay.com
Note: (+ +) highly recommended; (+) recommended; (o) reviewed; (..) not available.

The above review scores should be interpreted with care, though. The ratings were established in reference to similarly priced cameras that were available in the market at the time of the review. Hence, a score should always be seen in the context of the camera's market launch date and its price, and comparisons of ratings among very different cameras or across long time periods have little meaning. Also, please note that some of the review sites have changed their methodology and reporting over time.

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Other camera comparisons

Did this review help to inform your camera decision process? In case you are interested in seeing how other cameras pair up, just make a corresponding selection in the search boxes below. There is also a set of direct links to comparison reviews that other users of the CAM-parator app explored.

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