I am by no means a photographer. But I have been using an S95 for around 10 years, my late partner was the better photographer.
I have learned a few things.
1. Use manual white balance. (if you are not using a strobe).
You can pre-program the shortcut button ( a massive benefit of the S95), to do manual white balance. In addition, you need a neutral (e.g. white) slate to point the camera at. This recalibrate the sensor. (If you wish to test this point the camera at a red background or a green or a blue!).
You need to manual white balance as you change depth.
2. Use manual ISO setting.
For correct exposure, you have ISO, Speed and Apperture.
If you have them in Auto, they are all competing with each other.
3. Ideally use manual mode.
For a long time I used Auto.
Manual does give you much better pictures because you get more control.
Apperture adjust depth of field (what stays in focus)
Speed, reduces movement blur, that includes camera shake and moving fish!
4. If you are using Auto
Check the metering mode. It is often better to have it on point metering, rather than average metering.
This is condition dependent.
The camera locks the settings, focus, exposure when you partially depress the shutter button.
So you can point it at a bright light in spot exposure mode, partially depress the button and that exposure setting is held whilst you reposition the camera, similarly, you can point it at the dark, partially press the button and lock the exposure for this environment.
However. Focus is also locked, which means your picture 'could' be out of focus.
You can also program the shortcut button to lock focus or exposure, or manual white balance.
NOTE the pre-program button can only be programmed for one function at a time.
The BIG one is manual white balance. The second is Manual ISO.
Even for an idiot like me, it improved my pictures significantly.
Gareth