Fujifilm X20 vs Panasonic TZ95

The Fujifilm X20 and the Panasonic Lumix DC-TZ95 (labelled Panasonic ZS80 in some countries) are two digital cameras that were announced, respectively, in January 2013 and February 2019. Both the X20 and the TZ95 are fixed lens compact cameras that are based on a 2/3 (X20) and a 1/2.3-inch (TZ95) sensor. The Fujifilm has a resolution of 12 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 X20		Panasonic TZ95
Fixed lens compact camera		Fixed lens compact camera
28-112mm f/2.0-2.8		24-720mm f/3.3-6.4
12 MP – Two Thirds sensor		20.2 MP – 1/2.3" sensor
1080/60p Video		4K/30p Video
ISO 100-12,800		ISO 80-3,200 (80 - 6,400)
Optical viewfinder		Electronic viewfinder (2330k dots)
2.8" LCD – 460k dots		3.0" LCD – 1040k dots
Fixed screen (not touch-sensitive)		Tilting touchscreen
12 shutter flaps per second		10 shutter flaps per second
270 shots per battery charge		380 shots per battery charge
117 x 70 x 57 mm, 353 g		112 x 69 x 42 mm, 327 g

Check X20 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 X20 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 side-by-side display below illustrates the physical size and weight of the Fujifilm X20 and the Panasonic TZ95. The two cameras are presented according to their relative size. Three consecutive perspectives from the front, the top, and the back are available. All width, height and depth measures 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 (6 percent) than the Fujifilm X20. Moreover, the TZ95 is markedly lighter (7 percent) than the X20. In this context, it is worth noting that neither the X20 nor the TZ95 are weather-sealed.

Concerning battery life, the X20 gets 270 shots out of its Fujifilm NP-50 battery, while the TZ95 can take 380 images on a single charge of its Panasonic DMW-BLG10 power pack. The power pack in the TZ95 can be charged via the USB port, which can be very convenient when travelling.

The following table provides a synthesis of the main physical specifications of the two cameras and other similar ones. If you would like to visualize and compare a different camera combination, you can navigate to the CAM-parator app and make your selection from a broad list of cameras there.

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 X20	117 mm	70 mm	57 mm	353 g	270	n	Jan 2013	599	ebay.com
2.		Panasonic TZ95	112 mm	69 mm	42 mm	327 g	380	n	Feb 2019	449	ebay.com
3.		Canon SX740	110 mm	64 mm	40 mm	299 g	265	n	Jul 2018	399	amazon.com
4.		Canon G7 X	103 mm	60 mm	40 mm	304 g	210	n	Sep 2014	699	ebay.com
5.		Canon G16	109 mm	76 mm	40 mm	356 g	360	n	Aug 2013	549	ebay.com
6.		Canon G15	107 mm	76 mm	40 mm	352 g	350	n	Sep 2012	499	ebay.com
7.		Fujifilm XF10	113 mm	64 mm	41 mm	279 g	330	n	Jul 2018	499	ebay.com
8.		Fujifilm X30	119 mm	72 mm	60 mm	423 g	470	n	Aug 2014	599	ebay.com
9.		Fujifilm XQ1	100 mm	59 mm	33 mm	206 g	240	n	Oct 2013	499	ebay.com
10.		Fujifilm X10	117 mm	70 mm	57 mm	350 g	270	n	Sep 2011	599	ebay.com
11.		Leica D-LUX 6	111 mm	68 mm	46 mm	298 g	330	n	Sep 2012	699	ebay.com
12.		Nikon P7800	119 mm	78 mm	50 mm	399 g	350	n	Sep 2013	549	ebay.com
13.		Olympus Stylus 1	116 mm	87 mm	57 mm	402 g	410	n	Oct 2013	699	ebay.com
14.		Panasonic FT7	117 mm	76 mm	37 mm	319 g	300	Y	May 2018	449	ebay.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
17.		Panasonic LX7	111 mm	68 mm	46 mm	298 g	330	n	Jul 2012	499	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 obviously take relative prices into account. The manufacturer’s suggested retail prices give an idea on the placement of the camera in the maker’s lineup and the broader market. The TZ95 was launched at a somewhat lower price (by 25 percent) than the X20, which makes it more attractive for photographers on a tight budget. Normally, street prices remain initially close to the MSRP, but after a couple of months, the first discounts appear. 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. Then, after the new model is out, very good deals can frequently be found on the pre-owned market.

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 X20 features a 2/3 sensor and the Panasonic TZ95 a 1/2.3-inch sensor. The sensor area in the TZ95 is 52 percent smaller. As a result of these sensor size differences, the cameras have a format factor of, respectively, 3.9 and 5.6. Both cameras feature a native aspect ratio (sensor width to sensor height) of 4:3.

Despite having a smaller sensor, the TZ95 offers a higher resolution of 20.2 megapixels, compared with 12 MP of the X20. This megapixels advantage comes at the cost of a higher pixel density and a smaller size of the individual pixel (with a pixel pitch of 1.18μm versus 2.20μm for the X20). However, it should be noted that the TZ95 is much more recent (by 6 years and 1 month) than the X20, and its sensor will have benefitted from technological advances during this time that make it possible to gather light more efficiently. 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 Panasonic TZ95 implies greater flexibility for cropping images or the possibility to print larger pictures. The maximum print size of the TZ95 for good quality output (200 dots per inch) amounts to 25.9 x 19.4 inches or 65.8 x 49.4 cm, for very good quality (250 dpi) 20.7 x 15.6 inches or 52.7 x 39.5 cm, and for excellent quality (300 dpi) 17.3 x 13 inches or 43.9 x 32.9 cm. The corresponding values for the Fujifilm X20 are 20 x 15 inches or 50.8 x 38.1 cm for good quality, 16 x 12 inches or 40.6 x 30.5 cm for very good quality, and 13.3 x 10 inches or 33.9 x 25.4 cm for excellent quality prints.

The X20 has on-sensor phase detect pixels, which results in fast and reliable autofocus acquisition even during live view operation.

The Fujifilm X20 has a native sensitivity range from ISO 100 to ISO 12800. 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 X20 is build around a CMOS sensor, while the TZ95 uses a BSI-CMOS imager. The X20 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 X20	2/3	12.0	4000	3000	1080/60p	20.1	10.9	-462	46
2.		Panasonic TZ95	1/2.3	20.2	5184	3888	4K/30p	20.7	12.2	1103	52
3.		Canon SX740	1/2.3	20.2	5184	3888	4K/30p	20.6	12.1	1050	51
4.		Canon G7 X	1-inch	20.0	5472	3648	1080/60p	23.0	12.7	556	71
5.		Canon G16	1/1.7	12.0	4000	3000	1080/60p	21.0	11.7	230	54
6.		Canon G15	1/1.7	12.0	4000	3000	1080/24p	19.9	11.5	165	46
7.		Fujifilm XF10	APS-C	24.0	6000	4000	4K/15p	24.0	13.4	1844	83
8.		Fujifilm X30	2/3	12.0	4000	3000	1080/60p	20.4	11.2	-312	49
9.		Fujifilm XQ1	2/3	12.0	4000	3000	1080/60p	20.3	11.0	-390	47
10.		Fujifilm X10	2/3	12.0	4000	3000	1080/30p	20.5	11.3	245	50
11.		Leica D-LUX 6	1/1.7	10.0	3648	2736	1080/60p	19.8	10.8	-303	43
12.		Nikon P7800	1/1.7	12.0	4000	3000	1080/30p	21.2	11.7	200	54
13.		Olympus Stylus 1	1/1.7	11.8	3968	2976	1080/30p	20.7	11.6	179	51
14.		Panasonic FT7	1/2.3	20.2	5184	3888	4K/30p	20.6	12.1	1028	51
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
17.		Panasonic LX7	1/1.7	10.0	3648	2736	1080/60p	20.7	11.7	147	50
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 can also record movies. The two cameras under consideration both have sensors whose read-out speed is fast enough to capture moving pictures, but the TZ95 provides a better video resolution than the X20. 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. For example, the TZ95 has an electronic viewfinder (2330k dots), while the X20 has an optical one. Both systems have their advantages, with the electronic viewfinder making it possible to project supplementary shooting information into the framing view, whereas the optical viewfinder offers lag-free viewing and a very clear framing image. The table below summarizes some of the other core capabilities of the Fujifilm X20 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 X20	optical	n	2.8 / 460	fixed	n	1/4000s	12.0/s	Y	Y
2.		Panasonic TZ95	2330	n	3.0 / 1040	tilting	Y	1/2000s	10.0/s	Y	Y
3.		Canon SX740	none	n	3.0 / 922	tilting	n	1/3200s	10.0/s	Y	Y
4.		Canon G7 X	none	n	3.0 / 1040	tilting	Y	1/2000s	6.5/s	Y	Y
5.		Canon G16	optical	n	3.0 / 922	fixed	n	1/4000s	2.2/s	Y	Y
6.		Canon G15	optical	n	3.0 / 922	fixed	n	1/4000s	2.1/s	Y	Y
7.		Fujifilm XF10	none	n	3.0 / 1040	fixed	Y	1/4000s	6.0/s	Y	n
8.		Fujifilm X30	2360	n	3.0 / 920	tilting	n	1/4000s	12.0/s	Y	Y
9.		Fujifilm XQ1	none	n	3.0 / 920	fixed	n	1/4000s	12.0/s	Y	Y
10.		Fujifilm X10	optical	n	2.8 / 460	fixed	n	1/4000s	10.0/s	Y	Y
11.		Leica D-LUX 6	optional	n	3.0 / 920	fixed	n	1/4000s	11.0/s	Y	Y
12.		Nikon P7800	921	n	3.0 / 921	swivel	n	1/4000s	8.0/s	Y	Y
13.		Olympus Stylus 1	1440	n	3.0 / 1040	tilting	Y	1/2000s	7.0/s	Y	Y
14.		Panasonic FT7	1170	n	3.0 / 1040	fixed	n	1/1300s	10.0/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
17.		Panasonic LX7	optional	n	3.0 / 920	fixed	n	1/4000s	11.0/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 X20 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, the TZ95 is one of those camera that have an additional 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).

Both the X20 and the TZ95 have zoom lenses built in. The X20 has a 28-112mm f/2.0-2.8 optic and the TZ95 offers a 24-720mm f/3.3-6.4 (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 X20 offers the faster maximum aperture.

Concerning the storage of imaging data, both the X20 and the TZ95 write their files to SDXC cards. The TZ95 supports UHS-I cards (Ultra High Speed data transfer of up to 104 MB/s), while the X20 cannot take advantage of Ultra High Speed SD cards.

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 X20 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 X20	Y	stereo / mono	-	-	micro	2.0	-	-	-
2.		Panasonic TZ95	-	stereo / mono	-	-	micro	2.0	Y	-	Y
3.		Canon SX740	-	stereo / mono	-	-	micro	2.0	Y	-	Y
4.		Canon G7 X	-	stereo / mono	-	-	micro	2.0	Y	Y	-
5.		Canon G16	Y	stereo / mono	-	-	mini	2.0	Y	-	-
6.		Canon G15	Y	stereo / mono	-	-	mini	2.0	-	-	-
7.		Fujifilm XF10	-	stereo / mono	Y	-	micro	2.0	Y	-	Y
8.		Fujifilm X30	Y	stereo / mono	-	-	micro	2.0	Y	-	-
9.		Fujifilm XQ1	-	stereo / mono	-	-	micro	2.0	Y	-	-
10.		Fujifilm X10	Y	stereo / mono	-	-	mini	2.0	-	-	-
11.		Leica D-LUX 6	Y	stereo / mono	-	-	mini	2.0	-	-	-
12.		Nikon P7800	Y	stereo / mono	Y	-	mini	2.0	-	-	-
13.		Olympus Stylus 1	Y	stereo / mono	-	-	micro	2.0	Y	-	-
14.		Panasonic FT7	-	stereo / mono	-	-	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	-	-
17.		Panasonic LX7	Y	stereo / mono	-	-	mini	2.0	-	-	-

It is notable that the X20 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 X20 and the TZ95 have been discontinued, but can regularly be found used on ebay. The X20 was replaced by the Fujifilm X30, while the TZ95 does not have a direct successor. Further information on the features and operation of the X20 and TZ95 can be found, respectively, in the Fujifilm X20 Manual (free pdf) or the online Panasonic TZ95 Manual.

Review summary

So how do things add up? Is there a clear favorite between the Fujifilm X20 and the Panasonic TZ95? Which camera is better? The listing below highlights the relative strengths of the two models.

Reasons to prefer the Fujifilm X20:

• Better live-view autofocus: Features on-sensor phase-detection for more confident autofocus.
• Brighter framing: Features an optical viewfinder for clear, lag-free composition.
• Faster shutter: Has higher mechanical shutter speed (1/4000s vs 1/2000s) to freeze action.
• Faster burst: Shoots at higher frequency (12 vs 10 flaps/sec) to capture the decisive moment.
• 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 2013).

Advantages of the Panasonic Lumix DC-TZ95:

• More detail: Has more megapixels (20.2 vs 12MP), which boosts linear resolution by 30%.
• Better video: Provides higher definition movie capture (4K/30p vs 1080/60p).
• More framing info: Has an electronic viewfinder that displays shooting data.
• Larger screen: Has a bigger rear LCD (3.0" vs 2.8") for image review and settings control.
• More detailed LCD: Has a higher resolution rear screen (1040k vs 460k dots).
• 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.
• Less disturbing: Has an electronic shutter option for completely silent shooting.
• Wider view: Has a wider-angle lens that facilitates landscape or interior shots.
• More tele-reach: Has a longer tele-lens for perspective compression and subject magnification.
• Longer lasting: Gets more shots (380 versus 270) out of a single battery charge.
• Easier travel charging: Can be conveniently charged via its USB port.
• Easier file upload: Has wifi built in for automatic backup or image transfer to the web.
• Easier wireless transfer: Supports Bluetooth for image sharing without cables.
• Faster buffer clearing: Has an SD card interface that supports the UHS-I standard.
• More affordable: Was released into a lower priced segment (25 percent cheaper at launch).
• More modern: Reflects 6 years and 1 month of technical progress since the X20 launch.

If the number of relative strengths (bullet points above) is taken as a guide, the TZ95 is the clear winner of the contest (18 : 7 points). However, the relevance of individual strengths will vary across photographers, so that you might want to apply your own weighing scheme to the summary points when reflecting and deciding on a new camera. A professional wedding photographer will view the differences between cameras in a way that diverges from the perspective of a travel photog, and a person interested in cityscapes has distinct needs from a macro 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 X20 and the Panasonic TZ95 place the cameras among the top in their class? Find out in the latest Best Travel-Zoom Camera and Best Superzoom Camera listings whether the two cameras rank among the cream of the crop.

In any case, while the comparison of the spec-sheets of cameras can offer a general idea of their imaging potential, it remains incomplete and does no justice, for example, to the way the X20 or the TZ95 perform in practice. At times, user reviews, such as those published at amazon, address these issues in a useful manner, but such feedback is on many occasions incomplete, inconsistent, and unreliable.

Expert reviews

This is where reviews by experts come in. The table below provides a synthesis of the camera assessments of some of the best known photo-gear 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 X20	4/5	+ +	..	77/100	4.5/5	5/5	Jan 2013	599	ebay.com
2.		Panasonic TZ95	..	+ +	..	..	4.5/5	..	Feb 2019	449	ebay.com
3.		Canon SX740	..	+	3.5/5	..	4/5	4/5	Jul 2018	399	amazon.com
4.		Canon G7 X	4/5	+ +	..	77/100	4.5/5	4.5/5	Sep 2014	699	ebay.com
5.		Canon G16	4/5	+	..	..	4.5/5	4.5/5	Aug 2013	549	ebay.com
6.		Canon G15	4/5	+	..	76/100	4.5/5	4.5/5	Sep 2012	499	ebay.com
7.		Fujifilm XF10	..	..	4/5	75/100	4/5	4.5/5	Jul 2018	499	ebay.com
8.		Fujifilm X30	4/5	..	..	76/100	4.5/5	4.5/5	Aug 2014	599	ebay.com
9.		Fujifilm XQ1	..	..	..	..	4.5/5	4.5/5	Oct 2013	499	ebay.com
10.		Fujifilm X10	..	..	..	76/100	4/5	4.5/5	Sep 2011	599	ebay.com
11.		Leica D-LUX 6	..	..	..	..	4/5	4/5	Sep 2012	699	ebay.com
12.		Nikon P7800	3/5	..	..	..	4/5	4.5/5	Sep 2013	549	ebay.com
13.		Olympus Stylus 1	..	+ +	..	..	4.5/5	4.5/5	Oct 2013	699	ebay.com
14.		Panasonic FT7	..	+	..	..	3.5/5	3.5/5	May 2018	449	ebay.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
17.		Panasonic LX7	3/5	+ +	..	75/100	4/5	4.5/5	Jul 2012	499	ebay.com
Note: (+ +) highly recommended; (+) recommended; (o) reviewed; (..) not available.

The above review scores should be interpreted with care, though. The assessments were made in relation to similar cameras of the same technological generation. A score, therefore, has to be seen in close connection to the price and market introduction time of the camera, and rating-comparisons among cameras that span long time periods or concern very differently equipped models make little sense. Also, kindly note that some of the listed sites have over time developped their review approaches and their reporting style.

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Other camera comparisons

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